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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 Conventional Mortgage Bank Lenders in Oklahoma
Updated February 6, 2026
Market Overview
26
Total Lenders
40,476
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Firstar Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,450 | +0.154% | 358 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,584 | +0.234% | 285 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,134 | +0.304% | 119 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $684 | -0.154% | 100 | |
5 | BOKF, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,613 | +0.480% | 1,118 | |
6 | MidFirst Bank | Exceptional | Exceptional | Sound | Sound | Strong | $776 | -0.009% | 274 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,202 | +0.163% | 135 | |
8 | Stride Bank, National Association | Strong | Sound | Strong | Strong | Exceptional | $1,494 | +0.351% | 1,110 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,783 | +0.270% | 420 | |
10 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,214 | +0.278% | 306 | |
11 | RCB Bank | Strong | Strong | Sound | Sound | Exceptional | $1,292 | -0.358% | 279 | |
12 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,854 | +0.473% | 2,541 | |
13 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,701 | +0.405% | 1,513 | |
14 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,546 | +0.423% | 1,085 | |
15 | Great Plains National Bank | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,047 | +0.481% | 957 | |
16 | Sovereign Bank | Strong | Sound | Sound | Strong | Exceptional | $1,989 | +0.343% | 341 | |
17 | BancFirst | Strong | Acceptable | Strong | Strong | Exceptional | $1,295 | +0.342% | 1,113 | |
18 | F&M Bank | Strong | Sound | Sound | Sound | Exceptional | $1,732 | +0.218% | 249 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,739 | +0.356% | 117 | |
20 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,689 | +0.496% | 700 | |
21 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,553 | -0.098% | 275 | |
22 | American Bank of Oklahoma | Strong | Sound | Sound | Sound | Strong | $2,959 | -0.061% | 245 | |
23 | Simmons Bank | Strong | Acceptable | Strong | Sound | Strong | $1,979 | +0.356% | 144 | |
24 | Chickasaw Community Bank | Sound | Strong | Mediocre | Mediocre | Strong | $2,814 | -0.003% | 154 | |
25 | Vision Bank | Sound | Acceptable | Acceptable | Acceptable | Strong | $1,132 | +0.275% | 99 | |
26 | Armstrong Bank | Sound | Mediocre | Sound | Sound | Strong | $1,567 | +0.600% | 89 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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