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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 Mortgage Lenders in Oklahoma
Updated February 6, 2026
Market Overview
203
Total Lenders
40,476
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Firstar Bank | Exceptional | Strong | Exceptional | Exceptional | $1,450 | +0.154% | 358 | |
2 | MidFirst Bank | Exceptional | Exceptional | Strong | Strong | $776 | -0.009% | 274 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $595 | -0.485% | 469 | |
4 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $684 | -0.154% | 100 | |
5 | ASSOCIATED MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,433 | +0.316% | 2,371 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,585 | +0.172% | 1,503 | |
7 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,950 | +0.405% | 1,194 | |
8 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,159 | +0.499% | 826 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,584 | +0.234% | 285 | |
10 | RCB Bank | Strong | Strong | Sound | Exceptional | $1,292 | -0.358% | 279 | |
11 | American Bank of Oklahoma | Strong | Strong | Strong | Strong | $2,959 | -0.061% | 245 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,134 | +0.304% | 119 | |
13 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | $1,494 | +0.351% | 1,110 | |
14 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $2,777 | +0.254% | 404 | |
15 | Sovereign Bank | Strong | Sound | Strong | Exceptional | $1,989 | +0.343% | 341 | |
16 | F&M Bank | Strong | Sound | Strong | Exceptional | $1,732 | +0.218% | 249 | |
17 | CWM PARTNERS, L.P. | Strong | Sound | Strong | Exceptional | $1,961 | +0.265% | 245 | |
18 | TTCU Federal Credit Union | Strong | Strong | Sound | Strong | $1,416 | +0.148% | 203 | |
19 | Communication Federal Credit Union | Strong | Strong | Sound | Strong | $1,037 | +0.409% | 174 | |
20 | Truity Federal Credit Union | Strong | Strong | Sound | Strong | $797 | +0.116% | 160 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,202 | +0.163% | 135 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,582 | +0.420% | 2,948 | |
23 | Great Plains National Bank | Strong | Acceptable | Exceptional | Exceptional | $2,047 | +0.481% | 957 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,783 | +0.270% | 420 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,856 | -0.016% | 405 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,941 | +0.283% | 382 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,660 | +0.534% | 323 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,873 | +0.357% | 315 | |
29 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,214 | +0.278% | 306 | |
30 | Simmons Bank | Strong | Sound | Strong | Strong | $1,979 | +0.356% | 144 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,513 | +0.419% | 99 | |
32 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $1,854 | +0.473% | 2,541 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,518 | +0.519% | 1,577 | |
34 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,701 | +0.405% | 1,513 | |
35 | BOKF, National Association | Strong | Acceptable | Strong | Exceptional | $1,613 | +0.480% | 1,118 | |
36 | BancFirst | Strong | Acceptable | Strong | Exceptional | $1,295 | +0.342% | 1,113 | |
37 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $2,546 | +0.423% | 1,085 | |
38 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Exceptional | $3,689 | +0.496% | 700 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,061 | +0.540% | 561 | |
40 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Exceptional | $2,981 | +0.639% | 431 | |
41 | FINANCIAL CONCEPTS MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,424 | +0.384% | 413 | |
42 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Exceptional | $1,872 | +0.573% | 371 | |
43 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,553 | -0.098% | 275 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,819 | +0.462% | 259 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,499 | +0.248% | 229 | |
46 | TINKER FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $1,469 | +0.116% | 203 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,546 | +0.599% | 197 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,425 | +0.586% | 197 | |
49 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,131 | +0.274% | 184 | |
50 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,121 | +0.356% | 181 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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