Refinancing lenders in Ottawa County
57 refinancing mortgages were made in Ottawa County, Oklahoma, in 2025, by 43 lenders. The median rate their borrowers got was 6.500% on a median loan of $125,000. Of 73 decisions, 10 were denials — 13.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Arvest Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BancFirst | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TTCU Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firstar Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chickasaw Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RCB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| People's Bank of Seneca | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Loandepot.Com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Southwest Missouri Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FLAT BRANCH MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 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.