Oklahoma Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Oklahoma averaged
6.83%
for the week of 2025-01-09, compared to the national average of
6.93% for the same period.
The average rate for the prior week (2025-01-02) was
7.01% and
one month ago for the week of 2024-12-05, the
average rate was 6.69%.
Oklahoma's average rate one year ago was 6.72%.
For refis of the same type during the week of 2025-01-09, the average rate
was 7.22%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-01-09 | 6.93% |
| Oklahoma 30 Year Fixed Rate | 2025-01-09 | 6.83% |
| Oklahoma 30 Year Fixed Rate Refi | 2025-01-09 | 7.22% |
| Oklahoma 15 Year Fixed Rate | 2025-01-09 | 7% |
| Oklahoma 15 Year Fixed Rate Refi | 2025-01-09 | 7.24% |
| Oklahoma 30 Year FHA | 2025-01-09 | 6.79% |
| Oklahoma 30 Year FHA Refi | 2025-01-09 | 6.38% |
| Oklahoma 30 Year USDA | 2025-01-09 | 6.47% |
| Oklahoma 30 Year USDA Refi | 2025-01-09 | 6.52% |
| Oklahoma 30 Year VA | 2025-01-09 | 6.42% |
| Oklahoma 30 Year VA Refi | 2025-01-09 | 5.79% |
Oklahoma Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Oklahoma market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Oklahoma Average Closing Costs & Other Stats
Oklahoma's 404 lenders originated 67,478
loans during 2023. The total origination value was $14,276,680,000, with an average loan value of
$211,575.
Oklahoma's average closing costs are $5,285.
The top Oklahoma lender as defined by loan originations is ASSOCIATED MORTGAGE CORPORATION, with
1,223 loans originated. Their average total fees are
$6,464, which is $815
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Oklahoma lenders (with over 10 loans originated) are
Discover Bank ($0), American Airlines Federal Credit Union ($0), Oklahoma Federal Credit Union ($245), SIRVA MORTGAGE, INC. ($761) and PREMIA MORTGAGE, LLC ($2,203).
The lowest rate Oklahoma lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.65%), American Airlines Federal Credit Union (5.85%), Morgan Stanley Private Bank (5.89%), Stifel Bank and Trust (5.90%) and RCB Bank (5.93%).
Oklahoma Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| First United Bank and Trust Company | $1,082,670,000 | $814,885,000 | -24.7% | 5.7% |
| Arvest Bank | $759,865,000 | $660,185,000 | -13.1% | 4.6% |
| BancFirst | $637,550,000 | $579,225,000 | -9.1% | 4.1% |
| QUICKEN LOANS, LLC | $903,170,000 | $558,560,000 | -38.2% | 3.9% |
| ASSOCIATED MORTGAGE CORPORATION | $643,090,000 | $538,395,000 | -16.3% | 3.8% |
| CORNERSTONE HOME LENDING, INC. | $563,125,000 | $378,450,000 | -32.8% | 2.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $365,540,000 | $368,345,000 | 0.8% | 2.6% |
| Mortgage Research Center, LLC | $443,335,000 | $358,465,000 | -19.1% | 2.5% |
| Gateway First Bank | $459,910,000 | $343,940,000 | -25.2% | 2.4% |
| BOKF | $467,250,000 | $339,935,000 | -27.2% | 2.4% |
| Stride Bank | $317,325,000 | $278,075,000 | -12.4% | 1.9% |
| FLAT BRANCH MORTGAGE, INC. | $289,210,000 | $263,500,000 | -8.9% | 1.8% |
| Great Plains National Bank | $186,945,000 | $242,045,000 | 29.5% | 1.7% |
| MidFirst Bank | $266,135,000 | $197,670,000 | -25.7% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $180,410,000 | $160,175,000 | -11.2% | 1.1% |
| BERKELEY POINT CAPITAL LLC | $217,330,000 | $141,010,000 | -35.1% | 1.0% |
| First National Bank and Trust Company | $140,685,000 | n/a | 1.0% | |
| FINANCIAL CONCEPTS MORTGAGE, LLC | $154,080,000 | $140,115,000 | -9.1% | 1.0% |
| The Central Trust Bank | $107,725,000 | $131,650,000 | 22.2% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $187,840,000 | $129,885,000 | -30.9% | 0.9% |
| GUARANTEED RATE, INC. | $138,635,000 | $120,780,000 | -12.9% | 0.8% |
| JPMorgan Chase Bank | $169,295,000 | $119,115,000 | -29.6% | 0.8% |
| Tinker Federal Credit Union | $159,175,000 | $111,370,000 | -30.0% | 0.8% |
| Waterstone Mortgage Corporation | $129,440,000 | $107,040,000 | -17.3% | 0.7% |
| Bank of America | $130,550,000 | $104,325,000 | -20.1% | 0.7% |
| Firstar Bank | $135,080,000 | $101,395,000 | -24.9% | 0.7% |
| RCB Bank | $166,070,000 | $100,500,000 | -39.5% | 0.7% |
| VALOR BANK | $103,725,000 | $99,665,000 | -3.9% | 0.7% |
| TTCU Federal Credit Union | $115,905,000 | $98,870,000 | -14.7% | 0.7% |
| 21ST MORTGAGE CORPORATION | $71,920,000 | $91,260,000 | 26.9% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $159,580,000 | $88,895,000 | -44.3% | 0.6% |
| LOANDEPOT.COM, LLC | $244,545,000 | $87,120,000 | -64.4% | 0.6% |
| Prosperity Bank | $142,485,000 | $85,640,000 | -39.9% | 0.6% |
| USAA Federal Savings Bank | $108,035,000 | $84,695,000 | -21.6% | 0.6% |
| Regent Bank | $73,955,000 | $84,275,000 | 14.0% | 0.6% |
| Armstrong Bank | $137,465,000 | $81,345,000 | -40.8% | 0.6% |
| THE MORTGAGE LINK, INC. | $79,425,000 | n/a | 0.6% | |
| OPEN MORTGAGE, LLC | $82,960,000 | $79,075,000 | -4.7% | 0.6% |
| NEWREZ LLC | $50,685,000 | $78,650,000 | 55.2% | 0.6% |
| F & M Bank | $126,115,000 | $78,380,000 | -37.9% | 0.5% |
| American Bank of Oklahoma | $137,225,000 | $77,465,000 | -43.5% | 0.5% |
| Chickasaw Community Bank | $170,525,000 | $77,460,000 | -54.6% | 0.5% |
| COMMUNICATION | $85,250,000 | $76,800,000 | -9.9% | 0.5% |
| GUILD MORTGAGE COMPANY | $105,180,000 | $73,795,000 | -29.8% | 0.5% |
| First National Bank Of Oklahoma | $75,810,000 | $73,490,000 | -3.1% | 0.5% |
| United Fidelity Funding Corp. | $115,870,000 | $73,020,000 | -37.0% | 0.5% |
| Vision Bank | $97,645,000 | $71,250,000 | -27.0% | 0.5% |
| WEOKIE | $165,530,000 | $70,025,000 | -57.7% | 0.5% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $296,200,000 | $69,280,000 | -76.6% | 0.5% |
| CMG MORTGAGE, INC. | $53,790,000 | $67,420,000 | 25.3% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $135,595,000 | $67,215,000 | -50.4% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $95,265,000 | $66,890,000 | -29.8% | 0.5% |
| UNION HOME MORTGAGE CORP. | $61,375,000 | $66,155,000 | 7.8% | 0.5% |
| CWM PARTNERS, L.P. | $77,805,000 | $65,885,000 | -15.3% | 0.5% |
| Mabrey Bank | $65,750,000 | $65,420,000 | -0.5% | 0.5% |
| DHI MORTGAGE COMPANY, LTD. | $61,915,000 | $64,785,000 | 4.6% | 0.5% |
| Wells Fargo Bank | $262,435,000 | $64,640,000 | -75.4% | 0.5% |
| EVERETT FINANCIAL, INC. | $223,470,000 | $64,490,000 | -71.1% | 0.5% |
| WALKER & DUNLOP, LLC | $122,540,000 | $64,195,000 | -47.6% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $155,945,000 | $63,020,000 | -59.6% | 0.4% |
| OKLAHOMA'S | $17,600,000 | $59,140,000 | 236.0% | 0.4% |
| FIRST AMERICAN MORTGAGE, INC. | $72,590,000 | $52,885,000 | -27.1% | 0.4% |
| Simmons Bank | $130,180,000 | $52,765,000 | -59.5% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $120,100,000 | $52,620,000 | -56.2% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $68,925,000 | $50,585,000 | -26.6% | 0.4% |
| Flagstar Bank, FSB | $84,090,000 | $49,720,000 | -40.9% | 0.3% |
| Citibank | $6,610,000 | $49,450,000 | 648.1% | 0.3% |
| INTERLINC MORTGAGE SERVICES, LLC | $86,015,000 | $48,395,000 | -43.7% | 0.3% |
| GREYSTONE SERVICING COMPANY LLC | $34,985,000 | $48,170,000 | 37.7% | 0.3% |
| Quail Creek Bank | $81,740,000 | $48,100,000 | -41.2% | 0.3% |
| CARDINAL FINANCIAL | $124,445,000 | $46,850,000 | -62.4% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $89,795,000 | $46,355,000 | -48.4% | 0.3% |
| SWBC MORTGAGE CORPORATION | $56,755,000 | $45,590,000 | -19.7% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $117,755,000 | $45,165,000 | -61.6% | 0.3% |
| Tulsa Federal Credit Union | $48,605,000 | $43,295,000 | -10.9% | 0.3% |
| ORIX REAL ESTATE CAPITAL, LLC | $26,770,000 | $42,910,000 | 60.3% | 0.3% |
| US MORTGAGE CORPORATION | $64,855,000 | $41,835,000 | -35.5% | 0.3% |
| AMCAP MORTGAGE, LTD. | $40,960,000 | $41,610,000 | 1.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $64,175,000 | $41,470,000 | -35.4% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $29,610,000 | $41,230,000 | 39.2% | 0.3% |
| First Liberty Bank | $76,425,000 | $41,060,000 | -46.3% | 0.3% |
| U.S. Bank | $100,110,000 | $39,750,000 | -60.3% | 0.3% |
| Equity Bank | $50,360,000 | $38,645,000 | -23.3% | 0.3% |
| American Mortgage Bank, LLC | $50,830,000 | $38,605,000 | -24.1% | 0.3% |
| First Bank & Trust Co. | $57,705,000 | $37,825,000 | -34.5% | 0.3% |
| Fidelity Bank | $53,565,000 | $36,010,000 | -32.8% | 0.3% |
| Bank 7 | $58,355,000 | $35,865,000 | -38.5% | 0.3% |
| Truity Federal Credit Union | $43,175,000 | $35,350,000 | -18.1% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $905,000 | $35,160,000 | 3,785.1% | 0.2% |
| Merchants Capital Corp. | $34,940,000 | n/a | 0.2% | |
| The Citizens Bank of Edmond | $47,930,000 | $33,065,000 | -31.0% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $37,180,000 | $32,595,000 | -12.3% | 0.2% |
| Discover Bank | $20,350,000 | $31,855,000 | 56.5% | 0.2% |
| First Oklahoma Bank | $47,770,000 | $30,125,000 | -36.9% | 0.2% |
| Citizens Bank | $40,370,000 | $29,565,000 | -26.8% | 0.2% |
| NBKC BANK | $37,690,000 | $29,225,000 | -22.5% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $33,500,000 | $29,180,000 | -12.9% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $2,745,000 | $27,920,000 | 917.1% | 0.2% |
| American Heritage Bank | $40,660,000 | $27,580,000 | -32.2% | 0.2% |
| NEW DAY FINANCIAL, LLC | $56,480,000 | $27,450,000 | -51.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $25,675,000 | $26,890,000 | 4.7% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,715,000 | $26,495,000 | 294.6% | 0.2% |
| MLD MORTGAGE INC. | $26,155,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $34,055,000 | $25,745,000 | -24.4% | 0.2% |
| AmeriHome Mortgage Company, LLC | $44,825,000 | $25,610,000 | -42.9% | 0.2% |
| American Airlines Federal Credit Union | $33,480,000 | $25,370,000 | -24.2% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $25,465,000 | $25,220,000 | -1.0% | 0.2% |
| Cedar Rapids Bank and Trust Company | $25,825,000 | $25,175,000 | -2.5% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $25,110,000 | n/a | 0.2% | |
| The Federal Savings Bank | $28,705,000 | $24,490,000 | -14.7% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $28,205,000 | $24,265,000 | -14.0% | 0.2% |
| FIRST ENTERPRISE BANK | $23,735,000 | n/a | 0.2% | |
| Kirkpatrick Bank | $29,165,000 | $23,430,000 | -19.7% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $30,190,000 | $22,670,000 | -24.9% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $15,320,000 | $22,430,000 | 46.4% | 0.2% |
| First Security Bank & Trust Company | $19,340,000 | $22,205,000 | 14.8% | 0.2% |
| All America Bank | $48,185,000 | $22,080,000 | -54.2% | 0.2% |
| AXIA FINANCIAL, LLC | $115,000 | $22,035,000 | 19,060.9% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $1,250,000 | $21,845,000 | 1,647.6% | 0.2% |
| Sooner State Bank | $43,820,000 | $21,780,000 | -50.3% | 0.2% |
| Carrington Mortgage Services, LLC | $32,895,000 | $21,355,000 | -35.1% | 0.1% |
| OKLAHOMA CENTRAL Credit Union | $18,940,000 | $21,105,000 | 11.4% | 0.1% |
| LOANPAL, LLC | $17,405,000 | $21,050,000 | 20.9% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $14,590,000 | $21,015,000 | 44.0% | 0.1% |
| NBC Oklahoma | $20,720,000 | n/a | 0.1% | |
| McClain Bank | $41,215,000 | $20,710,000 | -49.8% | 0.1% |
| CBRE MULTIFAMILY CAPITAL, INC. | $2,375,000 | $20,655,000 | 769.7% | 0.1% |
| The First National Bank and Trust Company of Broken Arrow | $19,920,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $34,640,000 | $19,900,000 | -42.6% | 0.1% |
| InterBank | $40,915,000 | $19,875,000 | -51.4% | 0.1% |
| AVB Bank | $53,770,000 | $19,660,000 | -63.4% | 0.1% |
| Security Bank | $19,485,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $8,605,000 | $18,970,000 | 120.5% | 0.1% |
| Liberty National Bank | $37,780,000 | $18,580,000 | -50.8% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $13,720,000 | $18,370,000 | 33.9% | 0.1% |
| RESIDENTIAL BANCORP | $4,540,000 | $18,165,000 | 300.1% | 0.1% |
| Town Square Mortgage & Investments, Inc. | $20,375,000 | $17,360,000 | -14.8% | 0.1% |
| ALLEGIANCE | $32,505,000 | $17,115,000 | -47.3% | 0.1% |
| RAIN CITY CAPITAL, LLC | $1,120,000 | $16,970,000 | 1,415.2% | 0.1% |
| BMO Harris Bank | $5,920,000 | $16,945,000 | 186.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $8,290,000 | $16,780,000 | 102.4% | 0.1% |
| Valliance Bank | $21,605,000 | $16,745,000 | -22.5% | 0.1% |
| First National Bank and Trust Company of Ardmore | $22,505,000 | $16,565,000 | -26.4% | 0.1% |
| Mortgage Investment Services Corporation | $36,955,000 | $16,455,000 | -55.5% | 0.1% |
| Grand Bank | $16,050,000 | n/a | 0.1% | |
| PNC Bank | $22,860,000 | $16,040,000 | -29.8% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $21,305,000 | $15,675,000 | -26.4% | 0.1% |
| American Nation Bank | $23,625,000 | $15,585,000 | -34.0% | 0.1% |
| The Huntington National Bank | $16,665,000 | $15,430,000 | -7.4% | 0.1% |
| Morgan Stanley Private Bank | $17,775,000 | $15,350,000 | -13.6% | 0.1% |
| Figure Lending LLC | $9,015,000 | $14,510,000 | 61.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $13,090,000 | $14,355,000 | 9.7% | 0.1% |
| AMWEST FUNDING CORP. | $17,200,000 | $14,210,000 | -17.4% | 0.1% |
| LENDINGONE, LLC | $22,190,000 | $14,130,000 | -36.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $18,100,000 | $13,970,000 | -22.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $44,815,000 | $13,945,000 |