Oklahoma VA Loan Rates, Closing Costs & Stats

Oklahoma

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Oklahoma VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Oklahoma averaged 6.7% for the week of 2025-04-11, compared to the national average (all VA variants) of 6.292% for the same period.

    Oklahoma's average VA mortgage closing costs are $5,855.

    The average rate for the prior week (2025-04-04) was 6.54% and one month ago for the week of 2025-03-07, the average rate was 6.33%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.26%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Oklahoma VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Oklahoma level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 1,717 6.47% $5,197
    UNITED WHOLESALE MORTGAGE, LLC 547 5.97% $8,315
    QUICKEN LOANS, LLC 417 6.15% $10,472
    First United Bank and Trust Company 353 6.33% $8,596
    FREEDOM MORTGAGE CORPORATION 336 6.29% $7,852
    PENNYMAC LOAN SERVICES, LLC 290 5.75% $7,304
    NAVY FEDERAL CREDIT UNION 288 5.93% $5,137
    ASSOCIATED MORTGAGE CORPORATION 221 6.47% $7,637
    MORTGAGE SOLUTIONS OF COLORADO, LLC 181 7.16% $3,812
    USAA Federal Savings Bank 181 6.35% $7,484
    NEW DAY FINANCIAL, LLC 147 7.51% $10,698
    Stride Bank 146 6.10% $7,519
    VILLAGE CAPITAL MORTGAGE 145 5.77% $7,067
    FLAT BRANCH MORTGAGE, INC. 130 6.51% $7,401
    NEWREZ LLC 100 6.12% $6,886
    CORNERSTONE HOME LENDING, INC. 98 6.54% $7,565
    Arvest Bank 98 6.28% $5,655
    DHI MORTGAGE COMPANY, LTD. 93 5.06% $6,929
    GUILD MORTGAGE COMPANY 91 6.62% $7,717
    Gateway First Bank 87 6.51% $7,136
    GUARANTEED RATE, INC. 84 6.25% $4,825
    LOANDEPOT.COM, LLC 79 6.09% $10,245
    American Mortgage & Equity Consultants, Inc. 72 6.62% $12,566
    Great Plains National Bank 65 6.17% $7,174
    MLD MORTGAGE INC. 62 6.02% $6,849
    CROSSCOUNTRY MORTGAGE, LLC 60 6.26% $8,163
    PLANET HOME LENDING, LLC 59 5.77% $4,637
    BOKF 49 6.49% $9,374
    Barrington Bank & Trust Company, N.A. 48 6.36% $6,157
    BROKER SOLUTIONS, INC. 48 6.61% $10,995
    PRIMELENDING, A PLAINSCAPITAL COMPANY 46 6.54% $5,393
    First National Bank and Trust Company 46 6.26% $10,424
    CMG MORTGAGE, INC. 46 6.20% $9,936
    NBKC BANK 45 5.95% $7,861
    CWM PARTNERS, L.P. 43 5.82% $4,239
    American Mortgage Bank, LLC 42 6.57% $6,162
    The Federal Savings Bank 41 6.39% $14,417
    Paramount Residential Mortgage Group, Inc. 40 6.56% $6,709
    Mr. Cooper ( Nationstar Mortgage ) 37 6.36% $9,679
    Firstar Bank 36 6.10% $6,512
    LAKEVIEW LOAN SERVICING, LLC 34 5.92% $7,479
    UNION HOME MORTGAGE CORP. 34 6.33% $8,791
    Equity Prime Mortgage LLC 32 6.48% $8,214
    CARDINAL FINANCIAL 31 6.57% $12,700
    Waterstone Mortgage Corporation 30 6.55% $11,701
    MUTUAL OF OMAHA MORTGAGE, INC. 29 6.43% $13,524
    Carrington Mortgage Services, LLC 28 5.96% $10,674
    BancFirst 27 6.36% $6,741
    F & M Bank 24 6.42% $5,693
    LOANPAL, LLC 24 5.91% $10,747
    SWBC MORTGAGE CORPORATION 23 6.55% $9,129
    Credence Funding Corporation 23 5.86% $6,009
    JPMorgan Chase Bank 22 6.32% $4,605
    First Federal Bank 22 5.87% $7,378
    V.I.P. MORTGAGE, INC. 21 6.01% $7,200
    American Bank of Oklahoma 21 6.16% $8,624
    The Central Trust Bank 20 6.34% $7,459
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.40% $8,475
    ENVOY MORTGAGE, LTD 20 6.44% $8,629
    SOUTHWEST FUNDING, LP 19 6.27% $7,765
    AMERISAVE MORTGAGE CORPORATION 19 5.91% $18,888
    SUN WEST MORTGAGE COMPANY, INC. 19 6.03% $9,430
    THE MORTGAGE LINK, INC. 19 6.59% $17,278
    AMERICAN FINANCIAL NETWORK, INC. 19 6.70% $9,125
    Flagstar Bank, FSB 18 6.56% $6,897
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 17 6.43% $6,366
    SUCCESS MORTGAGE PARTNERS, INC. 17 6.70% $10,047
    GARDNER FINANCIAL SERVICES, LTD. 17 6.85% $9,463
    INTERLINC MORTGAGE SERVICES, LLC 16 7.10% $7,108
    US MORTGAGE CORPORATION 16 6.54% $8,395
    PLAZA HOME MORTGAGE, INC. 15 6.09% $11,726
    HOMESIDE FINANCIAL, LLC 15 6.40% $12,449
    RCB Bank 15 6.25% $6,470
    AmeriHome Mortgage Company, LLC 15 6.37% $4,743
    TOWNE MORTGAGE COMPANY 14 6.39% $8,773
    MID AMERICA MORTGAGE, INC. 14 6.54% $5,251
    Armed Forces Bank 13 5.68% $10,238
    PENTAGON FEDERAL CREDIT UNION 12 6.34% $7,194
    Mortgage Investment Services Corporation 12 6.57% $4,292
    HOMEBRIDGE FINANCIAL SERVICES, INC. 11 6.48% $3,475
    FIRST AMERICAN MORTGAGE, INC. 11 6.47% $7,246
    MOVEMENT MORTGAGE, LLC 11 6.51% $7,639
    Magnolia Bank 10 5.99% $15,045
    OPEN MORTGAGE, LLC 10 6.53% $3,387
    Tinker Federal Credit Union 10 6.74% $4,636
    Texana Bank 10 6.64% $12,081
    MORTGAGEONE, INC. 10 6.94% $3,842
    EAGLE HOME MORTGAGE, LLC 9 4.32% $5,400
    MICHIGAN MUTUAL, INC. 9 7.00% $4,823
    GoPrime Mortgage, Inc. 9 6.79% $8,530
    ZILLOW HOME LOANS, LLC 9 6.28% $6,831
    PHH Mortgage Corporation 9 5.72% $5,021
    AMERICAN FINANCIAL RESOURCES, INC. 9 6.46% $8,891
    GENEVA FINANCIAL, LLC 8 6.70% $9,107
    ROYAL UNITED MORTGAGE LLC 8 6.88% $11,760
    Servion, Inc. 8 6.55% $7,930
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 7 7.02% $3,395
    DEVELOPER'S MORTGAGE COMPANY 7 6.96% $7,136
    Atlantic Coast Mortgage, LLC 6 6.56% $8,273
    U.S. Bank 6 6.08% $13,376
    Century Mortgage Company DBA Century Lending Company 6 5.79% $5,879
    Nations Lending Corporation 5 6.55% $8,975
    FIRST COLONY MORTGAGE CORPORATION 5 6.18% $9,063
    POLARIS HOME FUNDING CORP. 5 6.63% $13,299
    CANOPY MORTGAGE, LLC 5 6.45% $6,137
    CHURCHILL MORTGAGE CORPORATION 5 6.35% $7,398
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.40% $7,208
    NFM, INC. 5 6.53% $6,091
    Old National Bank 5 5.90% $3,531
    Plains Commerce Bank 5 6.18% $9,342
    Wells Fargo Bank 4 6.00% $7,165
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 6.56% $6,234
    Cornerstone First Mortgage, Inc 4 6.62% $11,499
    BAY EQUITY LLC 4 6.40% $4,154
    AMERICAN FINANCING CORPORATION 4 5.81% $12,244
    CLEARPATH LENDING 4 6.31% $9,879
    NETWORK CAPITAL FUNDING CORPORATION 4 6.63% $12,118
    CALCON MUTUAL MORTGAGE LLC 4 6.63% $15,574
    FBC MORTGAGE, LLC 4 6.63% $1,860
    Network Funding, L.P. 4 6.47% $6,036
    SENTE MORTGAGE, INC. 4 6.75% $13,005
    PREMIA MORTGAGE, LLC 4 5.81% $9,656
    TOP FLITE FINANCIAL, INC. 3 6.42% $10,515
    SOUTHWEST STAGE FUNDING, LLC 3 6.33% $4,704
    S1L, Inc. 3 6.92% $8,458
    ALLIANT CREDIT UNION 3 5.50% $7,515
    FIRST COMMUNITY MORTGAGE, INC. 3 6.33% $2,542
    NEW FED MORTGAGE, CORP. 3 6.58% $9,298
    Sierra Pacific Mortgage Company, Inc. 3 6.63% $10,987
    Farmers Bank & Trust 3 6.33% $13,568
    TTCU Federal Credit Union 3 6.71% $4,498
    Goldwater Bank, N.A. 3 5.83% $7,071
    SFMC, LP 3 6.91% $8,352
    FIRST WESTERN MORTGAGE, INC. 3 6.38% $5,296
    Prosperity Bank 3 6.21% $4,560
    TIB The Independent Bankersbank 3 6.83% $3,948
    The Loan Store, Inc. 3 5.96% $8,259
    T2 FINANCIAL LLC 3 6.67% $8,691
    LIBERTY HOME MORTGAGE CORPORATION 2 6.44% $14,790
    Ixonia Bank 2 6.00% $8,853
    Mabrey Bank 2 6.00% $14,328
    INTERCAP LENDING INC. 2 5.56% $10,721
    MidFirst Bank 2 5.75% $9,646
    Midwest Mortgage Associates Corporation 2 6.13% $5,750
    Simmons Bank 2 7.19% $9,379
    GERSHMAN INVESTMENT CORP. 2 6.38% $6,282
    FORT SILL 2 6.38% $3,937
    SeaTrust Mortgage Company 2 6.38% $4,671
    Chickasaw Community Bank 2 6.38% $13,840
    COMMUNICATION 2 7.31% $3,519
    VAN DYK MORTGAGE CORPORATION 2 6.19% $6,338
    Regent Financial Group, Inc. 2 7.19% $8,755
    NORWICH COMMERCIAL GROUP, INC. 2 5.94% $8,690
    OCEANSIDE MORTGAGE COMPANY 2 6.50% $3,362
    PNC Bank 2 6.31% $12,346
    Bank of England 2 6.31% $14,412
    Bank of America 2 5.50% $4,716
    BancorpSouth 2 7.00% $5,529
    The Huntington National Bank 2 5.44% $8,363
    LEADERONE FINANCIAL CORPORATION 2 6.44% $4,260
    M&T Bank 1 6.25% $5,574
    Affiliated Bank 1 6.13% $16,147
    ALAMEDA MORTGAGE CORPORATION 1 7.25% $5,327
    Ameris Bank 1 5.75% $6,322
    AMERITRUST MORTGAGE CORPORATION 1 6.00% $7,077
    BAY-VALLEY MORTGAGE GROUP 1 6.25% $6,580
    BETTER MORTGAGE CORPORATION 1 5.88% $8,900
    Blue Ridge Bank 1 5.99% $12,049
    CASTLE & COOKE MORTGAGE, LLC 1 6.75% $4,075
    Centennial Bank 1 6.25% $3,156
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.25% $3,386
    Commerce Bank 1 7.63% $2,813
    COMMUNITYAMERICA 1 6.13% $5,149
    Core Bank 1 6.25% $3,681
    DAS Acquisition Company, LLC 1 6.13% $3,728
    EMBRACE HOME LOANS, INC. 1 5.75% $4,040
    Encompass Lending Group, LP 1 7.13% $21,890
    Fidelity Bank 1 7.00% $500
    First Bank 1 6.75% $5,686
    First Financial Bank 1 6.75% $3,637
    First National Bank Texas 1 6.00% $8,431
    First Option Mortgage, LLC 1 7.63% $5,419
    FirstTrust Home Loans, Inc. 1 6.25% $3,753
    First Western Trust Bank 1 6.13% $750
    GREENSTATE CREDIT UNION 1 6.25% $3,999
    Gulf Coast Bank and Trust Company 1 6.13% $5,500
    Hometown Equity Mortgage, LLC 1 6.25% $11,822
    International Bank of Commerce 1 6.63% $9,050
    Jonah Bank of Wyoming 1 6.75% $997
    Lakeview Community Capital, LLC 1 5.75% $8,961
    LEGEND LENDING CORPORATION 1 7.25% $10,010
    LOANPEOPLE, LLC 1 6.75% $11,709
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.25% $21,928
    Members Mortgage Services, L.L.C. 1 5.88% $11,628
    Meridian Bank Corporation 1 6.13% $4,148
    MORTGAGE CLEARING CORPORATION 1 6.63% $2,907
    MOUNTAIN WEST FINANCIAL, INC. 1 5.50% $22,614
    Academy Bank 1 6.63% $16,104
    NASA Federal Credit Union 1 5.63% $11,269
    NATIONS DIRECT MORTGAGE, LLC 1 4.25% $14,518
    NBH Bank 1 6.25% $4,300
    PANORAMA MORTGAGE GROUP, LLC 1 7.25% $13,094
    PLUS RELOCATION MORTGAGE, LLC 1 5.75% $16,368
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.25% $4,136
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.75% $11,238
    Prosperity Home Mortgage, LLC 1 6.75% $8,931
    RUOFF MORTGAGE COMPANY, INC. 1 6.13% $6,830
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.13% $7,993
    Service Federal Credit Union 1 6.13% $1,980
    Stifel Bank and Trust 1 6.50% $7,430
    WRIGHT-PATT CREDIT UNION, INC. 1 6.75% $4,438

    The top Oklahoma VA lender as defined by loan originations is Mortgage Research Center, LLC, with 1,717 VA loans originated. Their average total fees are $5,197, which is $3,118 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Oklahoma VA lenders (with over 10 loans originated) are OPEN MORTGAGE, LLC ($3,387), HOMEBRIDGE FINANCIAL SERVICES, INC. ($3,475), MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,812), MORTGAGEONE, INC. ($3,842) and CWM PARTNERS, L.P. ($4,239).

    The lowest rate Oklahoma VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.06%), Armed Forces Bank (5.68%), PENNYMAC LOAN SERVICES, LLC (5.75%), VILLAGE CAPITAL MORTGAGE (5.77%) and PLANET HOME LENDING, LLC (5.77%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.