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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Oklahoma City
Updated February 5, 2026
Market Overview
135
Total Lenders
16,841
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MidFirst Bank | Exceptional | Exceptional | Strong | Exceptional | $875 | -0.003% | 186 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $722 | -0.498% | 237 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,551 | +0.172% | 769 | |
4 | ASSOCIATED MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,389 | +0.229% | 695 | |
5 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,041 | +0.394% | 408 | |
6 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Exceptional | $2,793 | +0.249% | 376 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,666 | +0.209% | 144 | |
8 | NBKC BANK | Strong | Exceptional | Sound | Sound | $689 | -0.293% | 38 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,943 | -0.048% | 38 | |
10 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | $1,198 | +0.306% | 671 | |
11 | Sovereign Bank | Strong | Sound | Strong | Exceptional | $1,815 | +0.358% | 228 | |
12 | CWM PARTNERS, L.P. | Strong | Sound | Strong | Exceptional | $2,015 | +0.268% | 217 | |
13 | F&M Bank | Strong | Sound | Strong | Exceptional | $1,597 | +0.158% | 195 | |
14 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $2,386 | +0.195% | 98 | |
15 | Communication Federal Credit Union | Strong | Strong | Sound | Strong | $1,101 | +0.350% | 84 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,726 | +0.450% | 67 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,138 | +0.260% | 54 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,792 | +0.352% | 1,162 | |
19 | Great Plains National Bank | Strong | Acceptable | Exceptional | Exceptional | $2,003 | +0.454% | 582 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,656 | +0.249% | 241 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,138 | +0.292% | 215 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,709 | -0.015% | 200 | |
23 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,121 | +0.342% | 183 | |
24 | TINKER FEDERAL CREDIT UNION | Strong | Sound | Sound | Exceptional | $1,516 | +0.079% | 153 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,278 | +0.167% | 151 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,446 | +0.472% | 138 | |
27 | Simmons Bank | Strong | Sound | Strong | Strong | $2,241 | +0.347% | 65 | |
28 | AML FUNDING LLC | Strong | Sound | Strong | Strong | $1,863 | +0.365% | 60 | |
29 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,111 | +0.125% | 52 | |
30 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $1,687 | +0.171% | 36 | |
31 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $1,768 | +0.512% | 1,087 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $649 | +0.267% | 548 | |
33 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $2,603 | +0.352% | 505 | |
34 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Exceptional | $3,765 | +0.439% | 470 | |
35 | BancFirst | Strong | Acceptable | Strong | Exceptional | $1,320 | +0.255% | 387 | |
36 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,782 | +0.288% | 321 | |
37 | FINANCIAL CONCEPTS MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,705 | +0.405% | 311 | |
38 | BOKF, National Association | Strong | Acceptable | Strong | Exceptional | $1,567 | +0.534% | 300 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,621 | +0.219% | 170 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,562 | +0.448% | 167 | |
41 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,085 | +0.364% | 155 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,624 | +0.470% | 139 | |
43 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,280 | -0.125% | 120 | |
44 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,999 | +0.299% | 114 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,487 | +0.575% | 112 | |
46 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,871 | +0.571% | 84 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,273 | +0.107% | 66 | |
48 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,169 | +0.276% | 35 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,052 | +0.350% | 115 | |
50 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | $2,425 | +0.662% | 110 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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