Lowest closing cost mortgage lenders in Payne County County, Oklahoma
In Payne County, Oklahoma, homebuyers paid a median of $5,387 in closing costs in 2024 — below the Oklahoma median of $6,119. The county saw 491 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, MORTGAGE RESEARCH CENTER, LLC offered the lowest median costs at $2,424, which is $2,486 less than the county median.
Homebuyers in Payne County County who chose MORTGAGE RESEARCH CENTER, LLC paid $2,963 less in closing costs than the county median.
County Median Costs
$5,387
−12.0% vs Oklahoma ($6,119)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,595
Purchase Originations
491
vs Oklahoma Median
12.0% below
$-732
vs National Median
20.1% below
$-1,354
Lender rankings in Payne County County
8 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,668 | 6.875% | $1,075 | 49 | −$790 | |
| 2 | $3,941 | 6.875% | $1,285 | 43 | −$517 | |
| 3 | $4,428 | 6.562% | $1,300 | 12 | −$30 | |
| 4 | $4,490 | 5.933% | $2,135 | 12 | +$32 | |
| 5 | $5,376 | 6.500% | $2,977 | 16 | +$918 | |
| 6 | $6,277 | 6.495% | $3,478 | 26 | +$1,819 | |
| 7 | $6,365 | 6.625% | $3,335 | 14 | +$1,907 |
Includes lenders with 10+ purchase originations in Payne County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Oklahoma → Lender Directory
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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 2024, 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.