Mortgage lending in Garfield County
977 mortgages were originated in Garfield County, Oklahoma, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 977
- Median rate
- 6.625%
- Median lender fees
- $5,256
- Median loan amount
- $145,000
- Median spread over APOR
- 0.338
- Paid discount points
- 34.3%
- Received lender credits
- 20.2%
- Purchases / refinances
- 67.8% / 19.7%
- Conventional / FHA / VA
- 60.3% / 20.3% / 19%
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 60.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Garfield County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Gateway First Bank | 169 | $4,574 | 6.375% |
| Great Plains National Bank | 85 | $5,914 | 6.625% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | 65 | — | 6.250% |
| BOKF, National Association | 60 | — | 7.063% |
| Rocket Mortgage, LLC | 58 | $6,431 | 6.875% |
| The Security National Bank of Enid | 56 | — | — |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Garfield County — not a rule of thumb.
From 594 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers