Largest lenders in Wagoner County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 238 | 157 | 18.1% | 7.00% |
| 2 | Rocket Mortgage | C | 220 | 161 | 19.1% | 6.63% |
| 3 | Associated Mortgage | A | 199 | 156 | 0.0% | 6.50% |
| 4 | Dhi Mortgage Company | B | 195 | 131 | 10.8% | 4.99% |
| 5 | BOKF | D | 193 | 119 | 16.6% | 6.63% |
| 6 | The Mortgage Link | B | 188 | 148 | 0.0% | 6.13% |
| 7 | BancFirst | C | 148 | 123 | 6.1% | 7.38% |
| 8 | Flat Branch Mortgage | A | 141 | 114 | 0.7% | 6.50% |
| 9 | TTCU Federal Credit Union | B | 127 | 100 | 9.5% | 6.94% |
| 10 | Mortgage Research Center | C | 109 | 52 | 13.8% | 6.25% |
| 11 | United Shore Financial Services | B | 108 | 84 | 10.2% | 6.38% |
| 12 | First United Bank and Trust | C | 103 | 82 | 1.9% | 6.50% |
| 13 | Pennymac Loan Services | C | 94 | 47 | 9.6% | 6.13% |
| 14 | 21st Mortgage | F | 75 | 11 | 48.0% | 8.92% |
| 15 | Freedom Mortgage | B | 74 | 28 | 9.5% | 6.25% |
| 16 | Vanderbilt Mortgage and Finance | F | 72 | 7 | 41.7% | 8.99% |
| 17 | Tulsa Federal Credit Union | F | 66 | 29 | 16.7% | 7.50% |
| 18 | Gateway First Bank | B | 64 | 49 | 0.0% | 6.38% |
| 19 | Stride Bank | A | 60 | 44 | 5.0% | 6.38% |
| 20 | Triad Financial Services | D | 58 | 4 | 50.0% | 8.32% |
| 21 | Waterstone Mortgage | C | 55 | 37 | 1.8% | 6.63% |
| 22 | Broker Solutions | D | 54 | 24 | 5.6% | 6.93% |
| 23 | Armstrong Bank | B | 52 | 33 | 21.2% | 7.10% |
| 24 | Lennar Mortgage | A | 52 | 36 | 11.5% | 5.99% |
| 25 | Firstar Bank | B | 46 | 36 | 0.0% | 6.50% |
Best approval odds in Wagoner County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Mortgage Link | 160 | 0.0% |
| 2 | Associated Mortgage | 174 | 0.0% |
| 3 | Flat Branch Mortgage | 116 | 0.9% |
| 4 | First United Bank and Trust | 85 | 2.4% |
| 5 | BancFirst | 146 | 6.2% |
| 6 | TTCU Federal Credit Union | 120 | 10.0% |
| 7 | United Shore Financial Services | 98 | 11.2% |
| 8 | Dhi Mortgage Company | 154 | 13.6% |
| 9 | Pennymac Loan Services | 56 | 16.1% |
| 10 | Rocket Mortgage | 208 | 20.2% |
What Wagoner County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wagoner County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,535 | 2,006 | 19.9% | 6.88% | $175,000 |
| 2024 | 4,090 | 2,483 | 16.2% | 6.75% | $195,000 |
| 2025 | 4,486 | 2,695 | 13.7% | 6.50% | $215,000 |
Frequently asked questions
13.7% of applications in Wagoner County were denied in 2025, against 17.9% statewide in Oklahoma.
Arvest Bank, with 238 applications in 2025 and a denial rate of 18.1%.
The median mortgage application in Wagoner County in 2025 was for $215,000; the median property value on originated loans was $295,000.