Refinancing lenders in Garfield County
113 refinancing mortgages were made in Garfield County, Oklahoma, in 2025, by 60 lenders. The median rate their borrowers got was 6.188% on a median loan of $175,000. Of 153 decisions, 31 were denials — 20.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Security National Bank of Enid | 21 | Not published | $115,000 | 0.0% |
| The Bank of Kremlin | 13 | Not published | $105,000 | 0.0% |
| Rocket Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 7.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Great Plains National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBC OKLAHOMA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| InterBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BancFirst | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MLD MORTGAGE INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loandepot.Com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First United Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| SENTE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TINKER FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| The City National Bank and Trust Company of Lawton | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Communication Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| WEOKIE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.