Mortgage lenders in Lincoln County
760 mortgages were made in Lincoln County, Oklahoma, in 2025, by 177 lenders. The median rate their borrowers got was 6.875% on a median loan of $155,000. Of 1,155 decisions, 320 were denials — 27.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| BancFirst | 194 | 7.500% | $75,000 | 9.6% |
| Rocket Mortgage, LLC | 34 | 6.625% | $160,000 | 31.4% |
| First United Bank and Trust Company | 33 | 6.625% | $225,000 | 2.9% |
| First Bank & Trust Co. | 28 | Not published | $50,000 | 15.2% |
| 21st Mortgage Corporation | 24 | 9.835% | $165,000 | 67.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 5.933% | $250,000 | 22.2% |
| The Payne County Bank | 24 | Not published | $90,000 | 0.0% |
| Vision Bank | 15 | 7.500% | $175,000 | 28.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 8.990% | $110,000 | 60.5% |
| Arvest Bank | 14 | 6.500% | $260,000 | 12.5% |
| Great Plains National Bank | 14 | 6.563% | $255,000 | 0.0% |
| Mortgage Research Center, LLC | 13 | 6.625% | $245,000 | 48.0% |
| TINKER FEDERAL CREDIT UNION | 13 | 7.500% | $75,000 | 25.0% |
| Stride Bank, National Association | 13 | 6.500% | $185,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 12 | 5.438% | $200,000 | 13.3% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.375% | $155,000 | 21.4% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $255,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 48.2% |
| Communication Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 9.1% |
| SOUTHWEST STAGE FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BOKF, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GARDNER FINANCIAL SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 73.3% |
| TRUE SKY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| ASSOCIATED MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OKLAHOMA'S CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MidFirst Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RCB Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SENTE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGIANCE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valliance Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500B8F043AF564B98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| International Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| FNB Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| McClain Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Focus Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank 7 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sovereign 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% |
| SpiritBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 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% |
| First National Bank Of Oklahoma | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truity Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Security National Bank of Enid | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Core Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 91.7% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED BUILT HOMES, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| WEOKIE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AML FUNDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| VALOR BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| OKLAHOMA CENTRAL Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Leader Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CENTENNIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Fidelity Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Ameris Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE CLEARING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| WESTSTAR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FLORIDA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 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.
Bank branches in Lincoln County
11 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| BancFirst | 5 | $541.2 million |
| Vision Bank | 2 | $142.4 million |
| First Bank & Trust Co. | 2 | $73.2 million |
| The Payne County Bank | 1 | $24.3 million |
| International Bank of Commerce | 1 | $16.1 million |
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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.