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Garfield County, Oklahoma
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Garfield County, Oklahoma, saw 1,495 HMDA-reported applications and 951 originations ($155m) in 2024.
That is 39.8 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 18.2%, below the state rate of 23.4%. The median rate spread on originated loans was 0.6 percentage points and 18.2% of originations were 1.5 points or more above the average prime offer rate.
17 lenders reached 25 applications in the county; the most active by originations were Gateway First Bank (116), Great Plains National Bank (69) and Primelending (68).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Gateway First Bank | 137 | 116 | $16m | 1.7% | — |
| 2 | Great Plains National Bank | 76 | 69 | $15m | 2.8% | — |
| 3 | Primelending | 76 | 68 | $7.5m | 0.0% | — |
| 4 | Bokf NA | 123 | 65 | $5.9m | 30.9% | — |
| 5 | Security National Bank | 71 | 61 | $13m | 1.5% | — |
| 6 | Financial Concpepts Mortgage | 61 | 56 | $12m | 0.0% | — |
| 7 | Cowboy Bank | 52 | 51 | $8.4m | 1.9% | — |
| 8 | Rocket Mortgage | 64 | 41 | $7.6m | 27.1% | — |
| 9 | Mortgage Research Center | 64 | 36 | $7.1m | 22.9% | — |
| 10 | Tinker Federal Credit Union | 67 | 35 | $2.4m | 25.0% | — |
| 11 | Interbank | 33 | 27 | $2.5m | 3.3% | — |
| 12 | United Wholesale Mortgage | 27 | 17 | $3.4m | — | — |
| 13 | Bancfirst | 26 | 15 | $1.5m | 26.9% | — |
| 14 | Pennymac Loan Services LLC | 32 | 14 | $3.5m | — | — |
| 15 | BMO Harris Bank NA | 25 | 9 | $375k | — | — |
| 16 | Vanderbilt Mortgage and Finance, Inc | 26 | 8 | $640k | — | — |
| 17 | Discover Bank | 30 | 3 | $135k | 88.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 17. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 18.2% | 23.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.2% | 17.5% | 15.6% |
| Average originated loan | $163k | $223k | $329k |
| Originations per 1,000 households | 39.8 | 46.6 | 48.0 |
| Home purchase share of originations | 72.2% | 63.6% | 57.0% |
| FHA-insured share | 18.0% | 17.1% | 13.4% |
| VA-guaranteed share | 17.7% | 11.9% | 7.9% |
Rate spread distribution
Share of 698 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Oklahoma). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 72% (687)Home improvement 6% (56)Refinancing 11% (102)Cash-out refinancing 5% (51)Other purpose 6% (55)
By type
Conventional 64% (604)FHA 18% (171)VA 18% (168)USDA 1% (8)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in Garfield County, OK?
By 2024 originations: Gateway First Bank (116), Great Plains National Bank (69), Primelending (68), Bokf NA (65), Security National Bank (61). 17 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Garfield County?
18.2% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in Garfield County in 2024?
951 loans totalling $155m, from 1,495 applications; 39.8 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 40047; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.