Oklahoma · Q1 2026
What Oklahoma borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 487 lenders.
Published 2026-04-29.
Oklahoma · headline
The gap between Oklahoma's lowest- and highest-cost ranked lenders in 2025 was $4,775 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 184% more than borrowers using BancFirst on similar loans.
Source: FFIEC HMDA 2025 (n=54,192)
In 2025, 487 mortgage lenders originated 54,192 reportable loans in Oklahoma according to FFIEC HMDA data. The median borrower paid $5,656 in total loan costs. That is 33.3% above the national median across all 50 states and DC.
Oklahoma's median total loan cost was $5,656, 33.3% above the national median of $4,242. On a typical loan, that translates to roughly $1,414 more than borrowers paid in the average state.
BancFirst posted the lowest median total loan costs at $2,591, 54.2% below the Oklahoma median. Across the ranked lenders, 5 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Oklahoma are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $6,098 | $3,108 | 4,585 | B |
| 2 | First United Bank and Trust Company | $6,175 | $1,732 | 2,815 | B |
| 3 | United Wholesale Mortgage | $7,366 | $3,283 | 2,234 | D |
| 4 | BancFirst | $2,591 | $855 | 2,022 | A |
| 5 | Associated Mortgage Corporation | $6,014 | $1,698 | 1,952 | B |
| 6 | Mortgage Research Center, LLC | $3,812 | $2,298 | 1,899 | A |
| 7 | Arvest Bank | $5,136 | $1,541 | 1,879 | A |
| 8 | BOKF, National Association | $5,582 | $1,684 | 1,440 | A |
| 9 | Flat Branch Mortgage, Inc. | $6,888 | $1,785 | 1,410 | C |
| 10 | Great Plains National Bank | $6,653 | $1,843 | 1,355 | C |
Oklahoma median total loan cost
Oklahoma borrowers paid a median $5,656 in total loan costs in 2025, based on 54,192 HMDA-reported loans across 487 lenders.
FFIEC HMDA 2025
Lender spread in Oklahoma
In Oklahoma, the gap between BancFirst ($2,591 median) and United Wholesale Mortgage ($7,366 median) was $4,775 on a typical 2025 loan.
FFIEC HMDA 2025
Oklahoma vs. national
Oklahoma closing costs ran 33.3% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Oklahoma was $1,804, with the typical lender clustering tightly around that figure. Discount points appeared on 54% of loans, with a median paid amount of $1,826 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 39% of loans, with a median credit of $210.
Avg $3,136
Median $1,826 when present
Median $210 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Oklahoma) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Oklahoma
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