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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 VA 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	LENDLO MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$3,159	+0.499%	826
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,585	+0.172%	1,503
3	CORNERSTONE CAPITAL BANK, SSB	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,689	+0.496%	700
4	NBKC BANK	Exceptional	Exceptional	Exceptional	Strong	Strong	$684	-0.154%	100
5	Arvest Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,701	+0.405%	1,513
6	Great Plains National Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$2,047	+0.481%	957
7	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$595	-0.485%	469
8	Firstar Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,450	+0.154%	358
9	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Exceptional	Strong	Strong	Strong	$2,316	+0.817%	183
10	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,856	-0.016%	405
11	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,941	+0.283%	382
12	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,660	+0.534%	323
13	F&M Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,732	+0.218%	249
14	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,095	+0.841%	127
15	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,134	+0.304%	119
16	First United Bank and Trust Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,854	+0.473%	2,541
17	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,433	+0.316%	2,371
18	Stride Bank, National Association	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,494	+0.351%	1,110
19	Gateway First Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,546	+0.423%	1,085
20	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,783	+0.270%	420
21	MLD MORTGAGE INC.	Exceptional	Strong	Strong	Strong	Strong	$2,777	+0.254%	404
22	Sovereign Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,989	+0.343%	341
23	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,553	-0.098%	275
24	American Bank of Oklahoma	Exceptional	Strong	Strong	Strong	Strong	$2,959	-0.061%	245
25	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,499	+0.248%	229
26	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,546	+0.599%	197
27	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,121	+0.356%	181
28	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,528	+0.409%	114
29	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,582	+0.420%	2,948
30	FLAT BRANCH MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,950	+0.405%	1,194
31	American Mortgage Bank, LLC	Strong	Sound	Strong	Strong	Exceptional	$1,872	+0.573%	371
32	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,873	+0.357%	315
33	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$1,831	+0.501%	296
34	RCB Bank	Strong	Strong	Sound	Sound	Exceptional	$1,292	-0.358%	279
35	CWM PARTNERS, L.P.	Strong	Sound	Strong	Strong	Exceptional	$1,961	+0.265%	245
36	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$2,279	+0.564%	160
37	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,113	+0.148%	134
38	SUN WEST MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,651	+0.444%	117
39	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$1,739	+0.356%	117
40	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Exceptional	Sound	$1,513	+0.419%	99
41	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,518	+0.519%	1,577
42	FINANCIAL CONCEPTS MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,424	+0.384%	413
43	The Central Trust Bank	Strong	Sound	Strong	Strong	Strong	$1,214	+0.278%	306
44	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,425	+0.586%	197
45	MORTGAGE INVESTMENT SERVICES CORPORATION	Strong	Sound	Strong	Strong	Strong	$1,864	+0.542%	99
46	BOKF, National Association	Strong	Acceptable	Strong	Strong	Exceptional	$1,613	+0.480%	1,118
47	BancFirst	Strong	Acceptable	Strong	Strong	Exceptional	$1,295	+0.342%	1,113
48	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,061	+0.540%	561
49	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,118	+0.467%	267
50	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,819	+0.462%	259

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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