# Best USDA Mortgage Lenders in Oklahoma

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

Compare the top USDA mortgage lenders in Oklahoma. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | LENDLO MORTGAGE, LLC | 95 | 63 | 85 | 826 | Independent Mortgage Company |
| 2 | Firstar Bank | 95 | 72 | 86 | 358 | Bank |
| 3 | First United Bank and Trust Company | 89 | 60 | 66 | 2,541 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 1,503 | Independent Mortgage Company |
| 5 | GUILD MORTGAGE COMPANY LLC | 85 | 71 | 78 | 561 | Independent Mortgage Company |
| 6 | NEWREZ LLC | 85 | 65 | 69 | 296 | Independent Mortgage Company |
| 7 | V.I.P. MORTGAGE, INC. | 85 | 70 | 78 | 184 | Independent Mortgage Company |
| 8 | ASSOCIATED MORTGAGE CORPORATION | 83 | 44 | 81 | 2,371 | Independent Mortgage Company |
| 9 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 1,194 | Independent Mortgage Company |
| 10 | Stride Bank, National Association | 83 | 53 | 83 | 1,110 | Bank |
| 11 | American Bank of Oklahoma | 80 | 61 | 72 | 245 | Bank |
| 12 | Great Plains National Bank | 80 | 38 | 82 | 957 | Bank |
| 13 | The Central Trust Bank | 79 | 57 | 71 | 306 | Bank |
| 14 | CMG MORTGAGE, INC. | 79 | 48 | 72 | 229 | Independent Mortgage Company |
| 15 | INTERLINC MORTGAGE SERVICES, LLC | 79 | 50 | 75 | 183 | Independent Mortgage Company |
| 16 | Paramount Residential Mortgage Group, Inc. | 79 | 42 | 63 | 160 | Independent Mortgage Company |
| 17 | KIND LENDING, LLC | 79 | 60 | 64 | 118 | Independent Mortgage Company |
| 18 | TOWNE MORTGAGE COMPANY | 79 | 54 | 69 | 114 | Independent Mortgage Company |
| 19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 69 | 72 | 99 | Independent Mortgage Company |
| 20 | Arvest Bank | 75 | 27 | 61 | 1,513 | Bank |
| 21 | Gateway First Bank | 75 | 32 | 72 | 1,085 | Bank |
| 22 | CORNERSTONE CAPITAL BANK, SSB | 75 | 25 | 63 | 700 | Bank |
| 23 | American Mortgage Bank, LLC | 75 | 31 | 65 | 371 | Independent Mortgage Company |
| 24 | Chickasaw Community Bank | 74 | 69 | 53 | 154 | Bank |
| 25 | F&M Bank | 73 | 57 | 69 | 249 | Bank |
| 26 | Flagstar Bank, N.A. | 73 | 41 | 58 | 117 | Bank |
| 27 | MORTGAGE INVESTMENT SERVICES CORPORATION | 73 | 41 | 53 | 99 | Independent Mortgage Company |
| 28 | BancFirst | 71 | 36 | 63 | 1,113 | Bank |
| 29 | THE MORTGAGE LINK, INC. | 71 | 20 | 64 | 431 | Independent Mortgage Company |
| 30 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 382 | Independent Mortgage Company |
| 31 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 122 | Independent Mortgage Company |
| 32 | SUN WEST MORTGAGE COMPANY, INC. | 71 | 28 | 60 | 117 | Independent Mortgage Company |
| 33 | Mortgage Research Center, LLC | 70 | 34 | 47 | 1,577 | Independent Mortgage Company |
| 34 | TTCU Federal Credit Union | 69 | 69 | 51 | 203 | Credit Union |
| 35 | BOKF, National Association | 66 | 39 | 53 | 1,118 | Bank |
| 36 | FINANCIAL CONCEPTS MORTGAGE, LLC | 66 | 38 | 75 | 413 | Independent Mortgage Company |
| 37 | NEW AMERICAN FUNDING, LLC | 60 | 5 | 62 | 415 | Independent Mortgage Company |
| 38 | Waterstone Mortgage Corporation | 60 | 9 | 74 | 336 | Independent Mortgage Company |
| 39 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 259 | Independent Mortgage Company |
| 40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 17 | 73 | 197 | Independent Mortgage Company |
| 41 | US MORTGAGE CORPORATION | 57 | 16 | 79 | 215 | Independent Mortgage Company |
| 42 | Click n' Close, Inc. | 56 | 1 | 59 | 186 | Independent Mortgage Company |
| 43 | GARDNER FINANCIAL SERVICES, LTD. | 53 | 14 | 78 | 164 | Independent Mortgage Company |
| 44 | SOUTHWEST FUNDING, LP | 53 | 11 | 60 | 117 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.