# Best Mortgage Lenders in Oklahoma

**As of:** 2026-05-20

Compare the top mortgage lenders in Oklahoma. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/oklahoma/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 203
- **Total Loans:** 40,476
- **Median Rate Spread:** 0.37522727272727274%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Firstar Bank | 93 | 72 | 92 | 358 | Bank |
| 2 | MidFirst Bank | 86 | 82 | 63 | 274 | Bank |
| 3 | ASSOCIATED MORTGAGE CORPORATION | 84 | 44 | 86 | 2,371 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,503 | Independent Mortgage Company |
| 5 | FLAT BRANCH MORTGAGE, INC. | 84 | 50 | 89 | 1,194 | Independent Mortgage Company |
| 6 | LENDLO MORTGAGE, LLC | 84 | 49 | 88 | 826 | Independent Mortgage Company |
| 7 | Bank of America, National Association | 80 | 73 | 75 | 285 | Bank |
| 8 | American Bank of Oklahoma | 80 | 61 | 72 | 245 | Bank |
| 9 | U.S. Bank National Association | 80 | 75 | 71 | 119 | Bank |
| 10 | Stride Bank, National Association | 78 | 53 | 79 | 1,110 | Bank |
| 11 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 469 | Credit Union |
| 12 | MLD MORTGAGE INC. | 78 | 48 | 82 | 404 | Independent Mortgage Company |
| 13 | Sovereign Bank | 78 | 46 | 73 | 341 | Bank |
| 14 | RCB Bank | 78 | 80 | 58 | 279 | Bank |
| 15 | F&M Bank | 78 | 57 | 69 | 249 | Bank |
| 16 | CWM PARTNERS, L.P. | 78 | 51 | 72 | 245 | Independent Mortgage Company |
| 17 | NBKC BANK | 78 | 91 | 59 | 100 | Bank |
| 18 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 2,948 | Independent Mortgage Company |
| 19 | Great Plains National Bank | 74 | 38 | 81 | 957 | Bank |
| 20 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 420 | Bank |
| 21 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 405 | Independent Mortgage Company |
| 22 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 382 | Independent Mortgage Company |
| 23 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 323 | Independent Mortgage Company |
| 24 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 315 | Independent Mortgage Company |
| 25 | The Central Trust Bank | 73 | 47 | 75 | 306 | Bank |
| 26 | TTCU Federal Credit Union | 73 | 69 | 51 | 203 | Credit Union |
| 27 | Communication Federal Credit Union | 73 | 67 | 53 | 174 | Credit Union |
| 28 | Truity Federal Credit Union | 73 | 77 | 58 | 160 | Credit Union |
| 29 | Simmons Bank | 73 | 44 | 61 | 144 | Bank |
| 30 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 135 | Bank |
| 31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 99 | Independent Mortgage Company |
| 32 | First United Bank and Trust Company | 68 | 36 | 72 | 2,541 | Bank |
| 33 | Mortgage Research Center, LLC | 68 | 34 | 70 | 1,577 | Independent Mortgage Company |
| 34 | Arvest Bank | 68 | 39 | 71 | 1,513 | Bank |
| 35 | BOKF, National Association | 68 | 39 | 71 | 1,118 | Bank |
| 36 | BancFirst | 68 | 36 | 73 | 1,113 | Bank |
| 37 | Gateway First Bank | 68 | 29 | 79 | 1,085 | Bank |
| 38 | CORNERSTONE CAPITAL BANK, SSB | 68 | 23 | 79 | 700 | Bank |
| 39 | THE MORTGAGE LINK, INC. | 68 | 20 | 79 | 431 | Independent Mortgage Company |
| 40 | FINANCIAL CONCEPTS MORTGAGE, LLC | 68 | 38 | 75 | 413 | Independent Mortgage Company |
| 41 | American Mortgage Bank, LLC | 68 | 31 | 71 | 371 | Independent Mortgage Company |
| 42 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 561 | Independent Mortgage Company |
| 43 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 259 | Independent Mortgage Company |
| 44 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 229 | Independent Mortgage Company |
| 45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 197 | Independent Mortgage Company |
| 46 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 197 | Independent Mortgage Company |
| 47 | V.I.P. MORTGAGE, INC. | 68 | 29 | 83 | 184 | Independent Mortgage Company |
| 48 | SWBC MORTGAGE CORPORATION | 68 | 34 | 86 | 181 | Independent Mortgage Company |
| 49 | USAA Federal Savings Bank | 66 | 54 | 45 | 275 | Bank |
| 50 | TINKER FEDERAL CREDIT UNION | 66 | 59 | 46 | 203 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Oklahoma.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.