🛡️
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 USDA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,159 | +0.499% | 826 | |
2 | Firstar Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,450 | +0.154% | 358 | |
3 | First United Bank and Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,854 | +0.473% | 2,541 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,585 | +0.172% | 1,503 | |
5 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,061 | +0.540% | 561 | |
6 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,831 | +0.501% | 296 | |
7 | V.I.P. MORTGAGE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,131 | +0.274% | 184 | |
8 | ASSOCIATED MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,433 | +0.316% | 2,371 | |
9 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,950 | +0.405% | 1,194 | |
10 | Stride Bank, National Association | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,494 | +0.351% | 1,110 | |
11 | American Bank of Oklahoma | Exceptional | Strong | Strong | Strong | Strong | $2,959 | -0.061% | 245 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,513 | +0.419% | 99 | |
13 | Great Plains National Bank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,047 | +0.481% | 957 | |
14 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,214 | +0.278% | 306 | |
15 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,499 | +0.248% | 229 | |
16 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,316 | +0.817% | 183 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,279 | +0.564% | 160 | |
18 | Chickasaw Community Bank | Strong | Strong | Strong | Sound | Strong | $2,814 | -0.003% | 154 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,293 | +0.482% | 118 | |
20 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Strong | Strong | $2,528 | +0.409% | 114 | |
21 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,701 | +0.405% | 1,513 | |
22 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,546 | +0.423% | 1,085 | |
23 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,689 | +0.496% | 700 | |
24 | American Mortgage Bank, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,872 | +0.573% | 371 | |
25 | F&M Bank | Strong | Sound | — | Strong | Exceptional | $1,732 | +0.218% | 249 | |
26 | TTCU Federal Credit Union | Strong | Strong | — | Sound | Strong | $1,416 | +0.148% | 203 | |
27 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $1,739 | +0.356% | 117 | |
28 | MORTGAGE INVESTMENT SERVICES CORPORATION | Strong | Sound | Exceptional | Sound | Strong | $1,864 | +0.542% | 99 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,518 | +0.519% | 1,577 | |
30 | BancFirst | Strong | Acceptable | Strong | Strong | Exceptional | $1,295 | +0.342% | 1,113 | |
31 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,981 | +0.639% | 431 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,941 | +0.283% | 382 | |
33 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,391 | +0.856% | 122 | |
34 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.444% | 117 | |
35 | BOKF, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $1,613 | +0.480% | 1,118 | |
36 | FINANCIAL CONCEPTS MORTGAGE, LLC | Strong | Acceptable | — | Strong | Exceptional | $2,424 | +0.384% | 413 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,648 | +0.777% | 415 | |
38 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,982 | +0.595% | 336 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $2,819 | +0.462% | 259 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,425 | +0.586% | 197 | |
41 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,116 | +0.666% | 215 | |
42 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $8,576 | +1.630% | 186 | |
43 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Sound | Strong | Strong | $2,992 | +0.701% | 164 | |
44 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Sound | Strong | $3,140 | +0.725% | 117 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
OklahomaUSDA
No credit impact
3-minute process
100% free