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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 FHA 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,551	+0.172%	769
2	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,389	+0.229%	695
3	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,041	+0.394%	408
4	CWM PARTNERS, L.P.	Exceptional	Strong	Strong	Strong	Exceptional	$2,015	+0.268%	217
5	F&M Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,597	+0.158%	195
6	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,446	+0.472%	138
7	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,726	+0.450%	67
8	First United Bank and Trust Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,768	+0.512%	1,087
9	Stride Bank, National Association	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,198	+0.306%	671
10	Great Plains National Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,003	+0.454%	582
11	MLD MORTGAGE INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,793	+0.249%	376
12	Arvest Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,782	+0.288%	321
13	Sovereign Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,815	+0.358%	228
14	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,709	-0.015%	200
15	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,085	+0.364%	155
16	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,386	+0.195%	98
17	Simmons Bank	Exceptional	Strong	Strong	Strong	Strong	$2,241	+0.347%	65
18	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,792	+0.352%	1,162
19	CORNERSTONE CAPITAL BANK, SSB	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,765	+0.439%	470
20	BancFirst	Strong	Sound	Strong	Strong	Exceptional	$1,320	+0.255%	387
21	MidFirst Bank	Strong	Strong	Sound	Sound	Exceptional	$875	-0.003%	186
22	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,121	+0.342%	183
23	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,278	+0.167%	151
24	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,527	+0.427%	81
25	Chickasaw Community Bank	Strong	Strong	Strong	Sound	Strong	$3,362	-0.092%	68
26	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$3,001	+0.297%	59
27	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$3,762	-0.092%	55
28	U.S. Bank National Association	Strong	Strong	Exceptional	Sound	Sound	$1,138	+0.260%	54
29	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,603	+0.352%	505
30	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,705	+0.405%	311
31	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,562	+0.448%	167
32	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,973	+0.542%	153
33	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,999	+0.299%	114
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,487	+0.575%	112
35	AML FUNDING LLC	Strong	Sound	Strong	Strong	Strong	$1,863	+0.365%	60
36	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$1,882	+0.384%	56
37	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$649	+0.267%	548
38	BOKF, National Association	Strong	Acceptable	Strong	Strong	Exceptional	$1,567	+0.534%	300
39	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,656	+0.249%	241
40	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,138	+0.292%	215
41	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,621	+0.219%	170
42	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,624	+0.470%	139
43	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$2,871	+0.571%	84
44	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,765	+0.613%	80
45	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,851	+0.569%	68
46	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,498	+0.598%	66
47	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,280	+0.728%	62
48	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,259	+0.384%	38
49	American Mortgage Bank, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,425	+0.662%	110
50	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$2,273	+0.107%	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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