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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 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$595	-0.485%	469
2	Firstar Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,450	+0.154%	358
3	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,950	+0.405%	1,194
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,584	+0.234%	285
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,134	+0.304%	119
6	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Strong	$684	-0.154%	100
7	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,433	+0.316%	2,371
8	BOKF, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,613	+0.480%	1,118
9	MidFirst Bank	Exceptional	Exceptional	Sound	Sound	Strong	$776	-0.009%	274
10	Truity Federal Credit Union	Exceptional	Strong	Strong	Strong	Strong	$797	+0.116%	160
11	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,202	+0.163%	135
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,582	+0.420%	2,948
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,585	+0.172%	1,503
14	Stride Bank, National Association	Strong	Sound	Strong	Strong	Exceptional	$1,494	+0.351%	1,110
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,783	+0.270%	420
16	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Sound	Sound	Exceptional	Exceptional	$2,424	+0.384%	413
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,873	+0.357%	315
18	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,214	+0.278%	306
19	RCB Bank	Strong	Strong	Sound	Sound	Exceptional	$1,292	-0.358%	279
20	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,113	+0.148%	134
21	First United Bank and Trust Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,854	+0.473%	2,541
22	Arvest Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,701	+0.405%	1,513
23	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,546	+0.423%	1,085
24	Great Plains National Bank	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,047	+0.481%	957
25	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,856	-0.016%	405
26	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$2,777	+0.254%	404
27	Sovereign Bank	Strong	Sound	Sound	Strong	Exceptional	$1,989	+0.343%	341
28	TTCU Federal Credit Union	Strong	Strong	Sound	Sound	Strong	$1,416	+0.148%	203
29	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,131	+0.274%	184
30	Communication Federal Credit Union	Strong	Strong	Sound	Sound	Strong	$1,037	+0.409%	174
31	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$2,631	+0.534%	126
32	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,513	+0.419%	99
33	BancFirst	Strong	Acceptable	Strong	Strong	Exceptional	$1,295	+0.342%	1,113
34	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,061	+0.540%	561
35	THE MORTGAGE LINK, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,981	+0.639%	431
36	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,941	+0.283%	382
37	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,660	+0.534%	323
38	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,118	+0.467%	267
39	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,819	+0.462%	259
40	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,042	+0.715%	257
41	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,499	+0.248%	229
42	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,546	+0.599%	197
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,425	+0.586%	197
44	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,121	+0.356%	181
45	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,279	+0.564%	160
46	GoodLeap, LLC	Strong	Sound	Strong	Sound	Strong	$3,034	-0.140%	135
47	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,095	+0.841%	127
48	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,293	+0.482%	118
49	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,739	+0.356%	117
50	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,528	+0.409%	114

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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