Mortgage lending in Wagoner County
2,684 mortgages were originated in Wagoner 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
- 2,684
- Median rate
- 6.500%
- Median lender fees
- $7,054
- Median loan amount
- $225,000
- Median spread over APOR
- 0.260
- Paid discount points
- 41.3%
- Received lender credits
- 30.2%
- Purchases / refinances
- 63.6% / 21.3%
- Conventional / FHA / VA
- 60.3% / 24.5% / 12.3%
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 77.9% 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 Wagoner County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 161 | $6,416 | 6.625% |
| Arvest Bank | 157 | $5,678 | 7.000% |
| ASSOCIATED MORTGAGE CORPORATION | 156 | $7,600 | 6.500% |
| THE MORTGAGE LINK, INC. | 148 | $13,317 | 6.125% |
| DHI MORTGAGE COMPANY, LTD. | 131 | $7,372 | 4.990% |
| BancFirst | 123 | $4,118 | 7.375% |
| BOKF, National Association | 119 | $6,625 | 6.625% |
| FLAT BRANCH MORTGAGE, INC. | 114 | $8,381 | 6.500% |
| TTCU Federal Credit Union | 100 | — | 6.938% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 84 | $8,306 | 6.375% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Wagoner County — not a rule of thumb.
From 2,091 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