Largest lenders in Sequoyah County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Firstar Bank | B | 160 | 136 | 6.9% | 6.49% |
| 2 | Armstrong Bank | B | 142 | 102 | 12.0% | 7.26% |
| 3 | 21st Mortgage | F | 92 | 18 | 52.2% | 10.46% |
| 4 | Arvest Bank | C | 81 | 44 | 25.9% | 6.81% |
| 5 | Rocket Mortgage | C | 79 | 55 | 24.1% | 6.88% |
| 6 | The First National Bank of Fort Smith | B | 76 | 58 | 10.5% | 7.50% |
| 7 | Firsttrust Home Loans | B | 70 | 65 | 1.4% | 6.13% |
| 8 | Vanderbilt Mortgage and Finance | F | 45 | 8 | 46.7% | 10.25% |
| 9 | United Federal Credit Union | D | 34 | 19 | 32.4% | 6.50% |
| 10 | Triad Financial Services | D | 34 | 2 | 70.6% | 8.81% |
| 11 | Mortgage Research Center | C | 32 | 14 | 18.8% | 6.56% |
| 12 | Freedom Mortgage | B | 30 | 17 | 10.0% | 6.25% |
| 13 | AmeriSave Mortgage | D | 29 | 3 | 75.9% | 6.75% |
| 14 | Newrez | D | 29 | 7 | 34.5% | 6.25% |
| 15 | United Shore Financial Services | B | 27 | 13 | 14.8% | 5.63% |
| 16 | Pennymac Loan Services | C | 26 | 7 | 3.9% | 6.13% |
| 17 | Broker Solutions | D | 21 | 9 | 9.5% | 6.63% |
| 18 | Flat Branch Mortgage | A | 18 | 8 | 5.6% | 7.00% |
| 19 | Highlands Residential Mortgage | B | 16 | 16 | 0.0% | 6.63% |
| 20 | Loandepot.Com | D | 13 | 3 | 61.5% | 8.38% |
| 21 | New Day Financial | F | 12 | 3 | 33.3% | 6.99% |
| 22 | Guild Mortgage | A | 12 | 7 | 16.7% | 6.44% |
| 23 | U.S. Bank | D | 10 | 2 | 60.0% | 8.11% |
| 24 | Canopy Mortgage | B | 10 | 3 | 0.0% | 7.13% |
| 25 | Credit Human Federal Credit Union | D | 10 | 0 | 100.0% | — |
Best approval odds in Sequoyah County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Firsttrust Home Loans | 66 | 1.5% |
| 2 | Firstar Bank | 148 | 7.4% |
| 3 | The First National Bank of Fort Smith | 66 | 12.1% |
| 4 | Armstrong Bank | 130 | 13.1% |
| 5 | Rocket Mortgage | 74 | 25.7% |
| 6 | Arvest Bank | 66 | 31.8% |
| 7 | 21st Mortgage | 67 | 71.6% |
What Sequoyah County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sequoyah County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,163 | 616 | 20.2% | 7.07% | $125,000 |
| 2024 | 1,186 | 654 | 18.3% | 7.25% | $130,000 |
| 2025 | 1,435 | 781 | 21.9% | 6.85% | $135,000 |
Frequently asked questions
21.9% of applications in Sequoyah County were denied in 2025, against 17.9% statewide in Oklahoma.
Firstar Bank, with 160 applications in 2025 and a denial rate of 6.9%.
The median mortgage application in Sequoyah County in 2025 was for $135,000; the median property value on originated loans was $205,000.