Safe Rate Rankings

Best Bank Mortgage Lenders in Oklahoma City

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders135

Total Loans16,841

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MidFirst BankBank	Exceptional	Exceptional	Strong	Exceptional	$875Fees	0.003%Below	186
2	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,666Fees	0.209%Above	144
3	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$689Fees	0.293%Below	38
4	Stride Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,198Fees	0.306%Above	671
5	Sovereign BankBank	Strong	Sound	Strong	Exceptional	$1,815Fees	0.358%Above	228
6	F&M BankBank	Strong	Sound	Strong	Exceptional	$1,597Fees	0.158%Above	195
7	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,138Fees	0.260%Above	54
8	Great Plains National BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,003Fees	0.454%Above	582
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,656Fees	0.249%Above	241
10	The Central Trust BankBank	Strong	Sound	Strong	Strong	$1,121Fees	0.342%Above	183
11	Chickasaw Community BankBank	Strong	Strong	Acceptable	Strong	$3,362Fees	0.092%Below	68
12	Simmons BankBank	Strong	Sound	Strong	Strong	$2,241Fees	0.347%Above	65
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,111Fees	0.125%Above	52
14	First United Bank and Trust CompanyBank	Strong	Acceptable	Strong	Exceptional	$1,768Fees	0.512%Above	1,087
15	Gateway First BankBank	Strong	Acceptable	Strong	Exceptional	$2,603Fees	0.352%Above	505
16	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Exceptional	$3,765Fees	0.439%Above	470
17	BancFirstBank	Strong	Acceptable	Strong	Exceptional	$1,320Fees	0.255%Above	387
18	Arvest BankBank	Strong	Acceptable	Strong	Exceptional	$1,782Fees	0.288%Above	321
19	BOKF, National AssociationBank	Strong	Acceptable	Strong	Exceptional	$1,567Fees	0.534%Above	300
20	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,280Fees	0.125%Below	120
21	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,882Fees	0.384%Above	56
22	Prosperity BankBank	Sound	Sound	Acceptable	Sound	$976Fees	0.000%Above	43

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.