Mortgage lenders in Payne County
1,247 mortgages were made in Payne County, Oklahoma, in 2025, by 241 lenders. The median rate their borrowers got was 6.750% on a median loan of $185,000. Of 1,645 decisions, 316 were denials — 19.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| BancFirst | 191 | 7.125% | $145,000 | 6.5% |
| Great Plains National Bank | 93 | 6.625% | $215,000 | 2.1% |
| Rocket Mortgage, LLC | 74 | 6.990% | $155,000 | 24.5% |
| Simmons Bank | 71 | 6.250% | $175,000 | 8.9% |
| The Payne County Bank | 53 | Not published | $105,000 | 5.4% |
| LENDLO MORTGAGE, LLC | 44 | 5.990% | $200,000 | 0.0% |
| RCB Bank | 42 | 6.688% | $195,000 | 10.6% |
| Arvest Bank | 38 | 6.750% | $185,000 | 20.4% |
| SENTE MORTGAGE, INC. | 36 | 6.933% | $195,000 | 0.0% |
| TINKER FEDERAL CREDIT UNION | 24 | 7.470% | $110,000 | 17.2% |
| Mortgage Research Center, LLC | 22 | 6.375% | $225,000 | 26.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 5.999% | $240,000 | 24.1% |
| First United Bank and Trust Company | 18 | 6.875% | $205,000 | 5.0% |
| The Bank, National Association | 18 | Not published | $225,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 16 | 5.688% | $225,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 15 | 5.875% | $215,000 | 31.8% |
| JPMorgan Chase Bank, National Association | 15 | 6.750% | $245,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 7.063% | $185,000 | 17.7% |
| First Bank & Trust Co. | 14 | Not published | $125,000 | 6.7% |
| 21st Mortgage Corporation | 13 | 10.390% | $145,000 | 78.0% |
| BOKF, National Association | 12 | 6.625% | $220,000 | 14.3% |
| CWM PARTNERS, L.P. | 11 | 6.250% | $305,000 | 0.0% |
| Loandepot.Com, LLC | 10 | 6.808% | $120,000 | 33.3% |
| Stride Bank, National Association | 10 | 6.500% | $220,000 | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 10 | 6.313% | $185,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 23.1% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 46.2% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| MidFirst Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 48.7% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TTCU Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 44.4% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BLUE SKY BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Central Trust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sovereign Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truity Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Tulsa Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 81.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 55.6% |
| American Heritage Bank | 2 | Under 10 loans | Under 10 loans | 62.5% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OKLAHOMA'S CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED BUILT HOMES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tolleson Private Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armstrong Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firstar Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chambers Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALOR BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wichita Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AVB Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Security National Bank of Enid | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 90.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUE SKY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WEOKIE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank and Trust Company of Ardmore | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| InterBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Communication Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oklahoma Educators Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mabrey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FineMark National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| All America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Fort Smith | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quail Creek Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sooner State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chickasaw Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Of Oklahoma | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank of Edmond | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 41 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Payne County
28 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| RCB Bank | 4 | $240.2 million |
| Simmons Bank | 3 | $520.9 million |
| BancFirst | 3 | $491.4 million |
| Blue Sky Bank | 3 | $167.5 million |
| The Payne County Bank | 2 | $232.8 million |
| Exchange Bank and Trust Company | 2 | $144.4 million |
| The Bank, National Association | 2 | $81.9 million |
| Great Plains National Bank | 1 | $84.4 million |
| Arvest Bank | 1 | $69.2 million |
| JPMorgan Chase Bank, National Association | 1 | $49.5 million |
| American Heritage Bank | 1 | $44.2 million |
| MidFirst Bank | 1 | $41.4 million |
| First Oklahoma Bank | 1 | $33.3 million |
| First Bank & Trust Co. | 1 | $28.7 million |
| BMO Bank National Association | 1 | $13.9 million |
| International Bank of Commerce | 1 | $6.6 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Simmons Bank, 308 S Main St, Stillwater
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When the next year’s lending figures are out for Payne County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.