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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 FHA 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	Firstar Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,450	+0.154%	358
2	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,433	+0.316%	2,371
3	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,585	+0.172%	1,503
4	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,950	+0.405%	1,194
5	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,159	+0.499%	826
6	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,660	+0.534%	323
7	F&M Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,732	+0.218%	249
8	CWM PARTNERS, L.P.	Exceptional	Strong	Strong	Strong	Exceptional	$1,961	+0.265%	245
9	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,316	+0.817%	183
10	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Strong	$684	-0.154%	100
11	First United Bank and Trust Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,854	+0.473%	2,541
12	Arvest Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,701	+0.405%	1,513
13	Stride Bank, National Association	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,494	+0.351%	1,110
14	Great Plains National Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,047	+0.481%	957
15	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,856	-0.016%	405
16	Sovereign Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,989	+0.343%	341
17	RCB Bank	Exceptional	Strong	Sound	Strong	Exceptional	$1,292	-0.358%	279
18	American Bank of Oklahoma	Exceptional	Strong	Strong	Strong	Strong	$2,959	-0.061%	245
19	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,121	+0.356%	181
20	Simmons Bank	Exceptional	Strong	Strong	Strong	Strong	$1,979	+0.356%	144
21	GoodLeap, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$3,034	-0.140%	135
22	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,134	+0.304%	119
23	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,528	+0.409%	114
24	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Sound	$1,513	+0.419%	99
25	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,582	+0.420%	2,948
26	BancFirst	Strong	Sound	Strong	Strong	Exceptional	$1,295	+0.342%	1,113
27	CORNERSTONE CAPITAL BANK, SSB	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,689	+0.496%	700
28	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$2,777	+0.254%	404
29	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,873	+0.357%	315
30	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,214	+0.278%	306
31	Chickasaw Community Bank	Strong	Strong	Strong	Sound	Strong	$2,814	-0.003%	154
32	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,293	+0.482%	118
33	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$1,739	+0.356%	117
34	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,546	+0.423%	1,085
35	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,981	+0.639%	431
36	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,424	+0.384%	413
37	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,831	+0.501%	296
38	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,819	+0.462%	259
39	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,546	+0.599%	197
40	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,425	+0.586%	197
41	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,131	+0.274%	184
42	BOKF, National Association	Strong	Acceptable	Strong	Strong	Exceptional	$1,613	+0.480%	1,118
43	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,061	+0.540%	561
44	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,941	+0.283%	382
45	American Mortgage Bank, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$1,872	+0.573%	371
46	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,499	+0.248%	229
47	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,806	+0.595%	180
48	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,279	+0.564%	160
49	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,095	+0.841%	127
50	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,391	+0.856%	122

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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