Mortgage lending in Payne County
1,247 mortgages were originated in Payne 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
- 1,247
- Median rate
- 6.750%
- Median lender fees
- $5,239
- Median loan amount
- $185,000
- Median spread over APOR
- 0.368
- Paid discount points
- 36.1%
- Received lender credits
- 25.1%
- Purchases / refinances
- 64.1% / 22.6%
- Conventional / FHA / VA
- 76.3% / 13.2% / 8.9%
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 68.2% 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 Payne County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| BancFirst | 191 | $3,635 | 7.125% |
| Great Plains National Bank | 93 | $6,249 | 6.625% |
| Rocket Mortgage, LLC | 74 | $5,798 | 6.990% |
| Simmons Bank | 71 | — | 6.250% |
| The Payne County Bank | 53 | — | — |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Payne County — not a rule of thumb.
From 850 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