# Best Mortgage Lenders in Oklahoma City, OK

**As of:** 2026-05-19

Compare the top mortgage lenders in Oklahoma City, OK. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/oklahoma-city-ok/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 135
- **Total Loans:** 16,841
- **Median Rate Spread:** 0.3373587786259542%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | MidFirst Bank | 93 | 82 | 63 | 186 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 769 | Independent Mortgage Company |
| 3 | ASSOCIATED MORTGAGE CORPORATION | 84 | 44 | 86 | 695 | Independent Mortgage Company |
| 4 | LENDLO MORTGAGE, LLC | 84 | 49 | 88 | 408 | Independent Mortgage Company |
| 5 | MLD MORTGAGE INC. | 84 | 48 | 82 | 376 | Independent Mortgage Company |
| 6 | Bank of America, National Association | 80 | 73 | 75 | 144 | Bank |
| 7 | Stride Bank, National Association | 78 | 53 | 79 | 671 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 237 | Credit Union |
| 9 | Sovereign Bank | 78 | 46 | 73 | 228 | Bank |
| 10 | CWM PARTNERS, L.P. | 78 | 51 | 72 | 217 | Independent Mortgage Company |
| 11 | F&M Bank | 78 | 57 | 69 | 195 | Bank |
| 12 | FLAT BRANCH MORTGAGE, INC. | 78 | 50 | 89 | 98 | Independent Mortgage Company |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 67 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,162 | Independent Mortgage Company |
| 15 | Great Plains National Bank | 74 | 38 | 81 | 582 | Bank |
| 16 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 241 | Bank |
| 17 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 215 | Independent Mortgage Company |
| 18 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 200 | Independent Mortgage Company |
| 19 | The Central Trust Bank | 73 | 47 | 75 | 183 | Bank |
| 20 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 151 | Independent Mortgage Company |
| 21 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 138 | Independent Mortgage Company |
| 22 | Communication Federal Credit Union | 73 | 67 | 53 | 84 | Credit Union |
| 23 | Simmons Bank | 73 | 44 | 61 | 65 | Bank |
| 24 | AML FUNDING LLC | 73 | 48 | 67 | 60 | Independent Mortgage Company |
| 25 | U.S. Bank National Association | 73 | 75 | 71 | 54 | Bank |
| 26 | TINKER FEDERAL CREDIT UNION | 71 | 59 | 46 | 153 | Credit Union |
| 27 | NBKC BANK | 71 | 91 | 59 | 38 | Bank |
| 28 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 38 | Independent Mortgage Company |
| 29 | FIRST COLONY MORTGAGE CORPORATION | 71 | 42 | 84 | 36 | Independent Mortgage Company |
| 30 | First United Bank and Trust Company | 68 | 36 | 72 | 1,087 | Bank |
| 31 | Mortgage Research Center, LLC | 68 | 34 | 70 | 548 | Independent Mortgage Company |
| 32 | Gateway First Bank | 68 | 29 | 79 | 505 | Bank |
| 33 | CORNERSTONE CAPITAL BANK, SSB | 68 | 23 | 79 | 470 | Bank |
| 34 | BancFirst | 68 | 36 | 73 | 387 | Bank |
| 35 | Arvest Bank | 68 | 39 | 71 | 321 | Bank |
| 36 | FINANCIAL CONCEPTS MORTGAGE, LLC | 68 | 38 | 75 | 311 | Independent Mortgage Company |
| 37 | BOKF, National Association | 68 | 39 | 71 | 300 | Bank |
| 38 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 170 | Independent Mortgage Company |
| 39 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 167 | Independent Mortgage Company |
| 40 | SWBC MORTGAGE CORPORATION | 68 | 34 | 86 | 155 | Independent Mortgage Company |
| 41 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 139 | Independent Mortgage Company |
| 42 | V.I.P. MORTGAGE, INC. | 68 | 29 | 83 | 114 | Independent Mortgage Company |
| 43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 112 | Independent Mortgage Company |
| 44 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 52 | Bank |
| 45 | BAY EQUITY LLC | 66 | 43 | 65 | 35 | Independent Mortgage Company |
| 46 | USAA Federal Savings Bank | 66 | 54 | 45 | 120 | Bank |
| 47 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 42 | 55 | 84 | Independent Mortgage Company |
| 48 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 66 | Independent Mortgage Company |
| 49 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 115 | Independent Mortgage Company |
| 50 | American Mortgage Bank, LLC | 63 | 31 | 71 | 110 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Oklahoma City, OK.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.