# FINANCIAL CONCEPTS MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/financial-concepts-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FINANCIAL CONCEPTS MORTGAGE, LLC is a independent mortgage company, headquartered in Edmond, OK, serving borrowers across 3 states, with 420 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300488506L45QIE35
- **Headquarters:** Edmond, OK
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** KS, OK, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.1%
- **Brokered/Wholesale:** 0.9%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.375%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,412
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 420
- **Dollar Volume:** $103 million
- **Applications Received:** 467
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $245,000
- **Average Borrower Income:** $121,338
- **Average Property Value:** $289,286

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 208 | +0.169% | $3,010 | Sound ☺️ |
| FHA | 75/100 | 141 | +0.823% | $2,045 | Strong 😀 |
| VA | 74/100 | 65 | +0.021% | $1,655 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 196 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 141 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 65 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 408 | $99M | +0.375% | Strong 😀 |
| Refinance | 29/100 | 12 | $4M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 413 | 1.00% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 311 | 89/100 |
| Enid, OK | OK | 52 | 93/100 |
| Non |  | 38 | 39/100 |

## Where This Lender Ranks

FINANCIAL CONCEPTS MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Enid, OK Mortgage Companies
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Enid, OK for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Enid, OK for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Enid, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Enid, OK for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Enid, OK
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders)
- 🥉 **#3** in Enid, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Enid, OK for VA Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Oklahoma for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Oklahoma City, OK for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Oklahoma Mortgage Companies
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Oklahoma City, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Oklahoma City, OK for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Oklahoma for Conventional Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Oklahoma City, OK Mortgage Companies
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Oklahoma for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Oklahoma City, OK for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does FINANCIAL CONCEPTS MORTGAGE, LLC offer?

FINANCIAL CONCEPTS MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FINANCIAL CONCEPTS MORTGAGE, LLC offer mortgages?

FINANCIAL CONCEPTS MORTGAGE, LLC offers mortgages in 3 states: KS, OK, TX.

### How competitive are FINANCIAL CONCEPTS MORTGAGE, LLC's mortgage rates?

FINANCIAL CONCEPTS MORTGAGE, LLC has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.375% above market average.

### What type of lender is FINANCIAL CONCEPTS MORTGAGE, LLC?

FINANCIAL CONCEPTS MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Edmond, OK.

### What is FINANCIAL CONCEPTS MORTGAGE, LLC's loan approval success rate?

FINANCIAL CONCEPTS MORTGAGE, LLC has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/financial-concepts-mortgage

### How to Cite

> "FINANCIAL CONCEPTS MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/financial-concepts-mortgage

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