Mortgage lending in Oklahoma County
16,091 mortgages were originated in Oklahoma 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
- 16,091
- Median rate
- 6.625%
- Median lender fees
- $5,255
- Median loan amount
- $195,000
- Median spread over APOR
- 0.270
- Paid discount points
- 32%
- Received lender credits
- 23.9%
- Purchases / refinances
- 60.8% / 26.5%
- Conventional / FHA / VA
- 73.8% / 15.7% / 10.3%
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 64.4% 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 Oklahoma County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 765 | $5,918 | 6.625% |
| BancFirst | 706 | $2,933 | 7.500% |
| First United Bank and Trust Company | 604 | $6,768 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 569 | $7,015 | 6.375% |
| Stride Bank, National Association | 411 | $5,569 | 6.125% |
| TINKER FEDERAL CREDIT UNION | 396 | $1,281 | 7.125% |
| Great Plains National Bank | 390 | $6,721 | 6.500% |
| MidFirst Bank | 387 | $3,763 | 6.500% |
| BOKF, National Association | 375 | $4,817 | 6.875% |
| Arvest Bank | 365 | $4,609 | 6.750% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Oklahoma County — not a rule of thumb.
From 10,356 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