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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 VA 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	LENDLO MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$3,041	+0.394%	408
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,551	+0.172%	769
3	CORNERSTONE CAPITAL BANK, SSB	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,765	+0.439%	470
4	Great Plains National Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$2,003	+0.454%	582
5	Arvest Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,782	+0.288%	321
6	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$722	-0.498%	237
7	NBKC BANK	Exceptional	Exceptional	Exceptional	Strong	Sound	$689	-0.293%	38
8	MLD MORTGAGE INC.	Exceptional	Strong	Strong	Strong	Exceptional	$2,793	+0.249%	376
9	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,138	+0.292%	215
10	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,709	-0.015%	200
11	F&M Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,597	+0.158%	195
12	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,446	+0.472%	138
13	First United Bank and Trust Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,768	+0.512%	1,087
14	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,389	+0.229%	695
15	Stride Bank, National Association	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,198	+0.306%	671
16	Gateway First Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,603	+0.352%	505
17	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,656	+0.249%	241
18	Sovereign Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,815	+0.358%	228
19	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,621	+0.219%	170
20	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,085	+0.364%	155
21	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,280	-0.125%	120
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,726	+0.450%	67
23	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,138	+0.260%	54
24	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,792	+0.352%	1,162
25	CWM PARTNERS, L.P.	Strong	Sound	Strong	Strong	Exceptional	$2,015	+0.268%	217
26	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$1,973	+0.542%	153
27	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,278	+0.167%	151
28	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$2,765	+0.613%	80
29	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,273	+0.107%	66
30	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$3,001	+0.297%	59
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$2,259	+0.384%	38
32	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$649	+0.267%	548
33	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,705	+0.405%	311
34	The Central Trust Bank	Strong	Sound	Strong	Strong	Strong	$1,121	+0.342%	183
35	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,487	+0.575%	112
36	American Mortgage Bank, LLC	Strong	Sound	Strong	Strong	Strong	$2,425	+0.662%	110
37	FLAT BRANCH MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,386	+0.195%	98
38	SUN WEST MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,763	+0.500%	58
39	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$1,882	+0.384%	56
40	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,424	+0.508%	49
41	BancFirst	Strong	Acceptable	Strong	Strong	Exceptional	$1,320	+0.255%	387
42	BOKF, National Association	Strong	Acceptable	Strong	Strong	Exceptional	$1,567	+0.534%	300
43	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,562	+0.448%	167
44	TINKER FEDERAL CREDIT UNION	Strong	Sound	Sound	Sound	Exceptional	$1,516	+0.079%	153
45	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,624	+0.470%	139
46	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,052	+0.350%	115
47	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,999	+0.299%	114
48	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,800	+0.633%	108
49	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,851	+0.569%	68
50	SOUTHWEST FUNDING, LP	Strong	Acceptable	Strong	Strong	Strong	$3,141	+0.685%	71

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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