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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 Company Lenders in Oklahoma City

Updated February 5, 2026

Market Overview

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	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,446	+0.472%	138
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,726	+0.450%	67
7	MLD MORTGAGE INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,793	+0.249%	376
8	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,709	-0.015%	200
9	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,085	+0.364%	155
10	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,386	+0.195%	98
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,792	+0.352%	1,162
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,278	+0.167%	151
13	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,527	+0.427%	81
14	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$3,001	+0.297%	59
15	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$3,762	-0.092%	55
16	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,705	+0.405%	311
17	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,562	+0.448%	167
18	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,973	+0.542%	153
19	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,999	+0.299%	114
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,487	+0.575%	112
21	AML FUNDING LLC	Strong	Sound	Strong	Strong	Strong	$1,863	+0.365%	60
22	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$649	+0.267%	548
23	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,138	+0.292%	215
24	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,621	+0.219%	170
25	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,624	+0.470%	139
26	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$2,871	+0.571%	84
27	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,765	+0.613%	80
28	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,851	+0.569%	68
29	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,498	+0.598%	66
30	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,280	+0.728%	62
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,259	+0.384%	38
32	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,892	+0.725%	316
33	GARDNER FINANCIAL SERVICES, LTD.	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,915	+0.703%	149
34	American Mortgage Bank, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,425	+0.662%	110
35	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$2,273	+0.107%	66
36	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$3,004	+0.504%	58
37	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,509	+0.865%	58
38	SUN WEST MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,763	+0.500%	58
39	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,411	+0.536%	55
40	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,424	+0.508%	49
41	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$3,014	+0.418%	36
42	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,169	+0.276%	35
43	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,052	+0.350%	115
44	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$2,800	+0.633%	108
45	SOUTHWEST FUNDING, LP	Strong	Mediocre	Exceptional	Strong	Strong	$3,141	+0.685%	71
46	GENEVA FINANCIAL, LLC	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,266	+0.668%	53
47	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,610	+0.479%	49
48	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,216	+0.972%	35
49	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$3,145	+0.673%	109

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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