Mortgage lending in Muskogee County
1,145 mortgages were originated in Muskogee 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
- 1,145
- Median rate
- 6.750%
- Median lender fees
- $6,038
- Median loan amount
- $155,000
- Median spread over APOR
- 0.356
- Paid discount points
- 35%
- Received lender credits
- 29.6%
- Purchases / refinances
- 56.7% / 27.4%
- Conventional / FHA / VA
- 60% / 26.6% / 11.8%
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 70.3% 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 Muskogee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| American Bank of Oklahoma | 104 | $6,260 | 6.125% |
| Firstar Bank | 92 | $5,376 | 6.375% |
| Armstrong Bank | 86 | — | 7.250% |
| BancFirst | 78 | — | 7.125% |
| Broker Solutions, Inc. | 74 | $8,599 | 6.875% |
| Rocket Mortgage, LLC | 61 | $6,416 | 6.750% |
| Arvest Bank | 57 | — | 6.875% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Muskogee County — not a rule of thumb.
From 805 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