Homebuyers in Payne County County who chose MORTGAGE RESEARCH CENTER, LLC paid $3,216 less in closing costs than the county median.
County Median Costs
$5,642
−8.8% vs Oklahoma ($6,187)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,680
Purchase Originations
538
Denial Rate
12.0%
vs Oklahoma avg (11.8%)
vs Oklahoma Median
8.8% below
$-545
vs National Median
15.5% below
$-1,038
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,026 | 6.750% | $1,075 | 57 | −$544 | |
| 2 | $4,100 | 6.625% | $1,335 | 26 | −$469 | |
| 3 | $4,221 | 6.625% | $1,095 | 15 | −$348 | |
| 4 | $4,836 | 6.500% | $1,345 | 15 | +$267 | |
| 5 | $5,107 | 6.500% | $3,080 | 15 | +$538 | |
| 6 | $5,125 | 6.750% | $2,188 | 41 | +$556 | |
| 7 | $5,293 | 6.750% | $1,395 | 11 | +$724 | |
| 8 | $6,795 | 6.870% | $4,147 | 10 | +$2,226 |
Includes lenders with 10+ purchase originations in Payne County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Oklahoma → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.