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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 Bank Mortgage Lenders in Oklahoma City
Updated February 5, 2026
Market Overview
22
Total Lenders
6,260
Total Loans
0.17%
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 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,666 | +0.209% | 144 | |
3 | NBKC BANK | Strong | Exceptional | Sound | Sound | $689 | -0.293% | 38 | |
4 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | $1,198 | +0.306% | 671 | |
5 | Sovereign Bank | Strong | Sound | Strong | Exceptional | $1,815 | +0.358% | 228 | |
6 | F&M Bank | Strong | Sound | Strong | Exceptional | $1,597 | +0.158% | 195 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,138 | +0.260% | 54 | |
8 | Great Plains National Bank | Strong | Acceptable | Exceptional | Exceptional | $2,003 | +0.454% | 582 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,656 | +0.249% | 241 | |
10 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,121 | +0.342% | 183 | |
11 | Chickasaw Community Bank | Strong | Strong | Acceptable | Strong | $3,362 | -0.092% | 68 | |
12 | Simmons Bank | Strong | Sound | Strong | Strong | $2,241 | +0.347% | 65 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,111 | +0.125% | 52 | |
14 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $1,768 | +0.512% | 1,087 | |
15 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $2,603 | +0.352% | 505 | |
16 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Exceptional | $3,765 | +0.439% | 470 | |
17 | BancFirst | Strong | Acceptable | Strong | Exceptional | $1,320 | +0.255% | 387 | |
18 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,782 | +0.288% | 321 | |
19 | BOKF, National Association | Strong | Acceptable | Strong | Exceptional | $1,567 | +0.534% | 300 | |
20 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,280 | -0.125% | 120 | |
21 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,882 | +0.384% | 56 | |
22 | Prosperity Bank | Sound | Sound | Acceptable | Sound | $976 | +0.000% | 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)
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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