The Payne County Bank
The Payne County Bank received 115 applications in 2025 and made 101 mortgages, in 11 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 108 decisions, 5 were denials — 4.6%.
| Legal Entity Identifier | 254900OCV4AWL56SWL08 |
|---|---|
| Applications received | 115 |
| Mortgages made | 101 |
| Denied | 5 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Payne County Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | Not published | $145,000 | 2.1% |
| Refinancing | 30 | Not published | $120,000 | 8.8% |
| Other purposes | 26 | Not published | $75,000 | 3.7% |
Where The Payne County Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Payne County, OK | 53 | Not published | 5.4% |
| Lincoln County, OK | 24 | Not published | 0.0% |
| Pottawatomie County, OK | 8 | Under 10 loans | 0.0% |
| Logan County, OK | 5 | Under 10 loans | 0.0% |
| Creek County, OK | 4 | Under 10 loans | 33.3% |
| McCurtain County, OK | 2 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Colfax County, NM | 1 | Under 10 loans | 0.0% |
| Kay County, OK | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
Get told when this changes
When The Payne County Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.