Best mortgage lenders in Oklahoma
No lender is best for everyone, so this page ranks Oklahoma lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their Oklahoma borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in Oklahoma
"Most loans" and "Largest average loan" are among the 15 lenders with the most Oklahoma originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in Oklahoma
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | Nonbank lender | 4,587 | 19.3% | 11.4% | $194,939 | 73.3% |
| 2 | First United Bank and Trust Company | — | 3,985 | 20.5% | 10.3% | $237,577 | 92.4% |
| 3 | BancFirst | — | 3,786 | 5.4% | 1.1% | $160,523 | 88.7% |
| 4 | Arvest Bank | — | 3,409 | 10.2% | 3.9% | $214,525 | 78.2% |
| 5 | United Wholesale Mortgage | Nonbank lender | 2,497 | 21.7% | 36.0% | $264,323 | 82.8% |
| 6 | Associated Mortgage Corporation | — | 2,484 | 33.9% | 8.5% | $268,410 | 99.1% |
| 7 | Bokf, National Association | — | 2,384 | 12.7% | 2.8% | $188,838 | 73.7% |
| 8 | Veterans United | Nonbank lender | 1,899 | 3.4% | 93.0% | $261,277 | 71.5% |
| 9 | Gateway First Bank | — | 1,547 | 21.7% | 6.3% | $234,961 | 95.6% |
| 10 | Great Plains National Bank | — | 1,509 | 30.7% | 12.5% | $248,863 | 96.1% |
| 11 | Flat Branch Mortgage, Inc. | — | 1,425 | 42.7% | 8.8% | $234,249 | 98.3% |
| 12 | Stride Bank, National Association | — | 1,406 | 26.4% | 11.6% | $308,884 | 97.4% |
| 13 | PennyMac | Nonbank lender | 1,012 | 31.1% | 32.8% | $238,676 | 79.7% |
| 14 | Ttcu Federal Credit Union | — | 984 | 0.1% | 0.3% | $130,244 | 80.8% |
| 15 | Tinker Federal Credit Union | — | 977 | 0.1% | 2.5% | $110,568 | 64.4% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's Oklahoma loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: 21st Mortgage Corporation, U.S. Bank, Newrez, AmeriHome Mortgage Company, LLC, Chase, Vanderbilt Mortgage And Finance, Inc., Freedom Mortgage, Triad Financial Services, Inc., Planet Home Lending, Navy Federal Credit Union.
FHA lenders in Oklahoma
11,192 FHA home-purchase loans were made in Oklahoma in 2025 by 243 lenders. The typical FHA buyer here paid $9,132 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.25%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Associated Mortgage Corporation | 824 | 7.4% | $9,278 | +0.48 |
| 2 | First United Bank and Trust Company | 771 | 6.9% | $8,806 | +0.33 |
| 3 | Flat Branch Mortgage, Inc. | 579 | 5.2% | $9,459 | +0.55 |
| 4 | Great Plains National Bank | 447 | 4.0% | $8,782 | +0.41 |
| 5 | Rocket Mortgage | 394 | 3.5% | $9,225 | +0.51 |
| 6 | The Mortgage Link, Inc. | 369 | 3.3% | $14,011 | +0.32 |
| 7 | Stride Bank, National Association | 358 | 3.2% | $9,273 | +0.32 |
| 8 | DHI Mortgage | 321 | 2.9% | $7,659 | −1.15 |
| 9 | Gateway First Bank | 321 | 2.9% | $9,000 | +0.56 |
| 10 | United Wholesale Mortgage | 298 | 2.7% | $9,334 | +0.47 |
| All Oklahoma FHA buyers | 11,192 | 100% | $9,132 | +0.41 |
Among them, DHI Mortgage had the lowest median loan costs ($7,659) and The Mortgage Link, Inc. the highest ($14,011) — $6,352 apart on similar loans, which is why a second Loan Estimate is worth getting. Homebuilder-owned lenders can show far-below-market APRs because builders pay to buy down the rate on their own new homes.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in Oklahoma. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How we compare lenders.
VA lenders in Oklahoma
6,034 VA home-purchase loans were made in Oklahoma in 2025 by 213 lenders. The typical VA buyer here paid $5,398 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.25%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 1,496 | 24.8% | $3,168 | −0.17 |
| 2 | First United Bank and Trust Company | 365 | 6.0% | $6,902 | −0.17 |
| 3 | Navy Federal Credit Union | 287 | 4.8% | $4,007 | −0.61 |
| 4 | Associated Mortgage Corporation | 191 | 3.2% | $6,604 | −0.22 |
| 5 | Great Plains National Bank | 175 | 2.9% | $5,649 | −0.17 |
| 6 | USAA | 164 | 2.7% | $6,042 | −0.24 |
| 7 | Stride Bank, National Association | 161 | 2.7% | $6,742 | −0.47 |
| 8 | Mortgage Solutions Of Colorado, LLC | 158 | 2.6% | $649 | +1.06 |
| 9 | United Wholesale Mortgage | 152 | 2.5% | $4,642 | −0.29 |
| 10 | DHI Mortgage | 124 | 2.1% | $7,051 | −1.66 |
| All Oklahoma VA buyers | 6,034 | 100% | $5,398 | −0.22 |
Among them, Mortgage Solutions Of Colorado, LLC had the lowest median loan costs ($649) and DHI Mortgage the highest ($7,051) — $6,402 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in Oklahoma. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the Oklahoma market?
815 institutions reported Oklahoma home-loan records for 2025 — the 22nd-most of any state. The single most active lender accounts for 4.6% of all records and the top five for 18.5%, the 3rd-least concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in Oklahoma
Oklahoma borrowers took FHA loans 18.0% of the time and VA loans 12.5% (U.S. 13.2% and 8.2%). Every Oklahoma county uses the $832,750 conforming limit, so loans above it are jumbo and priced separately.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for OHFA's OHFA Homebuyer Down Payment Assistance or 4Teachers, SHIELD and State Employee rates — only participating lenders can offer them (terms and sources).
Oklahoma lender FAQ
Who is the biggest mortgage lender in Oklahoma?
By 2025 federal HMDA data, Rocket Mortgage originated the most home loans in Oklahoma — about 4,587, or 5.8% of the state's originations.
Which lender makes the most FHA loans in Oklahoma?
Associated Mortgage Corporation made the most FHA home-purchase loans in Oklahoma in 2025 — 824, or 7.4% of the 11,192 FHA purchases made by 243 lenders. First United Bank and Trust Company (771) was second.
Which lender makes the most VA loans in Oklahoma?
Veterans United made the most VA home-purchase loans in Oklahoma in 2025 (1,496, 24.8% of the state's VA purchases). VA loans were 12.5% of Oklahoma originations, the 8th-highest VA share among the states.
How much are closing costs on an FHA loan in Oklahoma?
The typical Oklahoma FHA buyer in 2025 paid $9,132 in total loan costs on a median $225,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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