Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 245 | 162 | 17.6% | 7.50% |
| 2 | Truity Federal Credit Union | C | 196 | 134 | 8.2% | 6.63% |
| 3 | Rocket Mortgage | C | 113 | 70 | 25.7% | 6.75% |
| 4 | BOKF | D | 67 | 34 | 22.4% | 6.63% |
| 5 | Mortgage Research Center | C | 60 | 28 | 15.0% | 6.31% |
| 6 | Flat Branch Mortgage | A | 56 | 46 | 1.8% | 6.63% |
| 7 | BancFirst | C | 43 | 33 | 16.3% | 7.50% |
| 8 | Associated Mortgage | A | 42 | 37 | 0.0% | 6.50% |
| 9 | United Shore Financial Services | B | 41 | 30 | 14.6% | 6.12% |
| 10 | Pennymac Loan Services | C | 36 | 14 | 22.2% | 7.00% |
| 11 | Vanderbilt Mortgage and Finance | F | 36 | 2 | 38.9% | 11.99% |
| 12 | Armstrong Bank | B | 34 | 23 | 5.9% | 7.46% |
| 13 | 21st Mortgage | F | 32 | 6 | 50.0% | 8.88% |
| 14 | Freedom Mortgage | B | 30 | 14 | 13.3% | 6.25% |
| 15 | Triad Financial Services | D | 28 | 1 | 50.0% | 10.60% |
| 16 | Broker Solutions | D | 22 | 5 | 9.1% | 7.25% |
| 17 | First United Bank and Trust | C | 22 | 16 | 4.6% | 6.88% |
| 18 | RCB Bank | B | 22 | 15 | 18.2% | 6.61% |
| 19 | Carrington Mortgage Services | D | 21 | 5 | 52.4% | 8.75% |
| 20 | AmeriSave Mortgage | D | 20 | 3 | 65.0% | 6.75% |
| 21 | Gateway First Bank | B | 20 | 11 | 5.0% | 6.88% |
| 22 | Newrez | D | 17 | 3 | 11.8% | 6.38% |
| 23 | New Day Financial | F | 16 | 2 | 31.3% | 6.87% |
| 24 | Credit Human Federal Credit Union | D | 16 | 1 | 93.8% | 7.80% |
| 25 | Stride Bank | A | 16 | 14 | 0.0% | 6.56% |
Best approval odds in Washington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Truity Federal Credit Union | 155 | 10.3% |
| 2 | Arvest Bank | 209 | 20.6% |
| 3 | Rocket Mortgage | 101 | 28.7% |
| 4 | BOKF | 52 | 28.9% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,649 | 970 | 17.3% | 6.99% | $125,000 |
| 2024 | 1,663 | 943 | 19.6% | 6.88% | $135,000 |
| 2025 | 1,735 | 965 | 17.6% | 6.75% | $145,000 |
Frequently asked questions
17.6% of applications in Washington County were denied in 2025, against 17.9% statewide in Oklahoma.
Arvest Bank, with 245 applications in 2025 and a denial rate of 17.6%.
The median mortgage application in Washington County in 2025 was for $145,000; the median property value on originated loans was $225,000.