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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$722	-0.498%	237
2	MidFirst Bank	Exceptional	Exceptional	Sound	Sound	Exceptional	$875	-0.003%	186
3	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,666	+0.209%	144
4	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,943	-0.048%	38
5	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,389	+0.229%	695
6	BOKF, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,567	+0.534%	300
7	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,386	+0.195%	98
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,138	+0.260%	54
9	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$689	-0.293%	38
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,792	+0.352%	1,162
11	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,551	+0.172%	769
12	Stride Bank, National Association	Strong	Sound	Strong	Strong	Exceptional	$1,198	+0.306%	671
13	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Exceptional	$2,793	+0.249%	376
14	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Sound	Sound	Exceptional	Exceptional	$2,705	+0.405%	311
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,656	+0.249%	241
16	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,121	+0.342%	183
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,278	+0.167%	151
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,726	+0.450%	67
19	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,273	+0.107%	66
20	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,111	+0.125%	52
21	First United Bank and Trust Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,768	+0.512%	1,087
22	Great Plains National Bank	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,003	+0.454%	582
23	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,603	+0.352%	505
24	Arvest Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,782	+0.288%	321
25	Sovereign Bank	Strong	Sound	Sound	Strong	Exceptional	$1,815	+0.358%	228
26	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,709	-0.015%	200
27	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,999	+0.299%	114
28	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$2,871	+0.571%	84
29	Communication Federal Credit Union	Strong	Strong	Sound	Sound	Strong	$1,101	+0.350%	84
30	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,424	+0.508%	49
31	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$2,169	+0.276%	35
32	BancFirst	Strong	Acceptable	Strong	Strong	Exceptional	$1,320	+0.255%	387
33	CWM PARTNERS, L.P.	Strong	Sound	Sound	Sound	Exceptional	$2,015	+0.268%	217
34	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,138	+0.292%	215
35	F&M Bank	Strong	Sound	Sound	Sound	Exceptional	$1,597	+0.158%	195
36	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,621	+0.219%	170
37	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,562	+0.448%	167
38	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,085	+0.364%	155
39	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,624	+0.470%	139
40	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,446	+0.472%	138
41	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,052	+0.350%	115
42	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,487	+0.575%	112
43	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,800	+0.633%	108
44	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,527	+0.427%	81
45	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,765	+0.613%	80
46	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$649	+0.267%	548
47	LENDLO MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,041	+0.394%	408
48	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,973	+0.542%	153
49	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,145	+0.673%	109
50	THE MORTGAGE LINK, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,498	+0.598%	66

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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