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Mayes 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.
Lenders reported 1,392 mortgage applications in Mayes County, Oklahoma, for 2024, and originated 661 loans worth $129m.
That is 43.2 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 31.4%, above the state rate of 23.4%. The median rate spread on originated loans was 0.6 percentage points and 19.9% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were Arvest Bank (69), Rocket Mortgage (48) and Rcb Bank (31).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | 117 | 69 | $9.2m | 21.1% | — |
| 2 | Rocket Mortgage | 70 | 48 | $8.8m | 26.9% | — |
| 3 | Rcb Bank | 49 | 31 | $4.9m | 18.4% | — |
| 4 | Flat Branch Mortgage, Inc. | 40 | 31 | $5.4m | 0.0% | — |
| 5 | Us Mortgage Corporation | 38 | 29 | $5.9m | 6.5% | — |
| 6 | Bancfirst | 34 | 28 | $3.4m | 2.9% | — |
| 7 | United Wholesale Mortgage | 30 | 20 | $4.3m | — | — |
| 8 | Bank of Commerce | 28 | 19 | $1.6m | — | — |
| 9 | Associated Mortgage Corporation | 26 | 19 | $4.5m | — | — |
| 10 | Mortgage Research Center | 31 | 18 | $4.5m | — | — |
| 11 | TTCU Federal Credit Union | 26 | 17 | $2.0m | 20.0% | — |
| 12 | DHI Mortgage Company, LTD. | 26 | 17 | $4.1m | — | — |
| 13 | 21st Mortgage | 64 | 11 | $1.7m | 72.7% | — |
| 14 | Triad Financial Services, Inc. | 88 | 8 | $1.1m | 50.6% | — |
| 15 | Vanderbilt Mortgage and Finance, Inc | 90 | 7 | $895k | 83.3% | — |
| 16 | Credit Human Federal Credit Un | 46 | 1 | $165k | 89.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 31.4% | 23.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.9% | 17.5% | 15.6% |
| Average originated loan | $194k | $223k | $329k |
| Originations per 1,000 households | 43.2 | 46.6 | 48.0 |
| Home purchase share of originations | 60.2% | 63.6% | 57.0% |
| FHA-insured share | 20.6% | 17.1% | 13.4% |
| VA-guaranteed share | 11.3% | 11.9% | 7.9% |
Rate spread distribution
Share of 573 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 60% (398)Home improvement 8% (52)Refinancing 12% (77)Cash-out refinancing 13% (85)Other purpose 7% (49)
By type
Conventional 64% (423)FHA 21% (136)VA 11% (75)USDA 4% (27)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in Mayes County, OK?
By 2024 originations: Arvest Bank (69), Rocket Mortgage (48), Rcb Bank (31), Flat Branch Mortgage, Inc. (31), Us Mortgage Corporation (29). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Mayes County?
31.4% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in Mayes County in 2024?
661 loans totalling $129m, from 1,392 applications; 43.2 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 40097; 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.