Mortgage lending in Cleveland County
6,100 mortgages were originated in Cleveland County, Oklahoma, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,100
- Median rate
- 6.625%
- Median lender fees
- $5,373
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $195,000
- Above the going rate (spread over APOR)
- 0.290
- Paid discount points
- 35.3%
- Received lender credits
- 27.7%
- Purchases / refinances
- 59.8% / 26.5%
- Conventional / FHA / VA
- 68.1% / 17.3% / 14.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $253,000
- That home, 20% down
- $202,400
A median-priced home with 20% down leaves $630,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Cleveland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First United Bank and Trust Company | 518 | $5,453 | 7.000% |
| Rocket Mortgage, LLC | 343 | $5,689 | 6.625% |
| BancFirst | 207 | $2,823 | 7.500% |
| Gateway First Bank | 195 | $5,270 | 6.500% |
| United Shore Financial Services, LLC | 194 | $7,242 | 6.000% |
| Stride Bank, National Association | 172 | $6,303 | 5.990% |
| Tinker Federal Credit Union | 166 | $1,281 | 7.490% |
| BOKF, National Association | 154 | $4,529 | 6.750% |
| Mortgage Research Center, LLC | 151 | $4,304 | 6.250% |
| Arvest Bank | 137 | $5,126 | 7.000% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Cleveland County — not a rule of thumb.
From 4,250 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers