FINANCIAL CONCEPTS MORTGAGE, LLC
FINANCIAL CONCEPTS MORTGAGE, LLC received 601 applications in 2025 and made 547 mortgages, in 46 counties across 3 states. The median rate its borrowers got was 6.500% on a median loan of $235,000. Of 555 decisions, 8 were denials — 1.4%, most often for debt-to-income ratio. 25 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300488506L45QIE35 |
|---|---|
| Applications received | 601 |
| Mortgages made | 547 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.078 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 512 | 6.500% | $235,000 | 1.5% |
| Refinancing | 26 | 6.500% | $310,000 | 0.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where FINANCIAL CONCEPTS MORTGAGE, LLC lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 197 | 6.500% | 3.0% |
| Cleveland County, OK | 85 | 6.375% | 0.0% |
| Garfield County, OK | 65 | 6.250% | 0.0% |
| Canadian County, OK | 52 | 6.625% | 0.0% |
| Logan County, OK | 18 | 6.688% | 0.0% |
| Pottawatomie County, OK | 14 | 6.250% | 0.0% |
| Comanche County, OK | 11 | 6.625% | 0.0% |
| Grady County, OK | 11 | 6.500% | 0.0% |
| Lincoln County, OK | 9 | Under 10 loans | 0.0% |
| McClain County, OK | 9 | Under 10 loans | 0.0% |
| Grant County, OK | 5 | Under 10 loans | 0.0% |
| Kingfisher County, OK | 4 | Under 10 loans | 0.0% |
| Kiowa County, OK | 4 | Under 10 loans | 0.0% |
| Noble County, OK | 3 | Under 10 loans | 0.0% |
| Tulsa County, OK | 3 | Under 10 loans | 0.0% |
| Woodward County, OK | 3 | Under 10 loans | 0.0% |
| Butler County, KS | 2 | Under 10 loans | 0.0% |
| Sedgwick County, KS | 2 | Under 10 loans | 0.0% |
| Beckham County, OK | 2 | Under 10 loans | 0.0% |
| Blaine County, OK | 2 | Under 10 loans | 0.0% |
| Caddo County, OK | 2 | Under 10 loans | 0.0% |
| Custer County, OK | 2 | Under 10 loans | 0.0% |
| Okmulgee County, OK | 2 | Under 10 loans | 0.0% |
| Payne County, OK | 2 | Under 10 loans | 0.0% |
| Stephens County, OK | 2 | Under 10 loans | 0.0% |
| Carter County, OK | 1 | Under 10 loans | 0.0% |
| Cotton County, OK | 1 | Under 10 loans | 0.0% |
| Dewey County, OK | 1 | Under 10 loans | 0.0% |
| Garvin County, OK | 1 | Under 10 loans | 0.0% |
| Haskell County, OK | 1 | Under 10 loans | 0.0% |
| McIntosh County, OK | 1 | Under 10 loans | 0.0% |
| Major County, OK | 1 | Under 10 loans | 0.0% |
| Mayes County, OK | 1 | Under 10 loans | 0.0% |
| Pittsburg County, OK | 1 | Under 10 loans | 0.0% |
| Pontotoc County, OK | 1 | Under 10 loans | 0.0% |
| Rogers County, OK | 1 | Under 10 loans | 0.0% |
| Seminole County, OK | 1 | Under 10 loans | 0.0% |
| Wagoner County, OK | 1 | Under 10 loans | 0.0% |
| Washita County, OK | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Wichita County, TX | 1 | Under 10 loans | 0.0% |
| Creek County, OK | 0 | Under 10 loans | 100.0% |
| Brazoria County, TX | 0 | Under 10 loans | Not published |
| Ellis County, TX | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| San Jacinto County, TX | 0 | Under 10 loans | Not published |
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When FINANCIAL CONCEPTS MORTGAGE, LLC’s figures are published for the next year, or restated.
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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.