# Best Bank Mortgage Lenders in Oklahoma City, OK

**As of:** 2026-05-22

Compare the top banks offering mortgages in Oklahoma City, OK. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Bank of America, National Association | 80 | 73 | 75 | 144 | Bank |
| 3 | Stride Bank, National Association | 78 | 53 | 79 | 671 | Bank |
| 4 | Sovereign Bank | 78 | 46 | 73 | 228 | Bank |
| 5 | F&M Bank | 78 | 57 | 69 | 195 | Bank |
| 6 | Great Plains National Bank | 74 | 38 | 81 | 582 | Bank |
| 7 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 241 | Bank |
| 8 | The Central Trust Bank | 73 | 47 | 75 | 183 | Bank |
| 9 | Simmons Bank | 73 | 44 | 61 | 65 | Bank |
| 10 | U.S. Bank National Association | 73 | 75 | 71 | 54 | Bank |
| 11 | NBKC BANK | 71 | 91 | 59 | 38 | Bank |
| 12 | First United Bank and Trust Company | 68 | 36 | 72 | 1,087 | Bank |
| 13 | Gateway First Bank | 68 | 29 | 79 | 505 | Bank |
| 14 | CORNERSTONE CAPITAL BANK, SSB | 68 | 23 | 79 | 470 | Bank |
| 15 | BancFirst | 68 | 36 | 73 | 387 | Bank |
| 16 | Arvest Bank | 68 | 39 | 71 | 321 | Bank |
| 17 | BOKF, National Association | 68 | 39 | 71 | 300 | Bank |
| 18 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 52 | Bank |
| 19 | USAA Federal Savings Bank | 66 | 54 | 45 | 120 | Bank |
| 20 | Chickasaw Community Bank | 63 | 69 | 40 | 68 | Bank |
| 21 | Flagstar Bank, N.A. | 58 | 40 | 76 | 56 | Bank |
| 22 | Prosperity Bank | 52 | 42 | 37 | 43 | Bank |

## 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.