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Mortgage Lenders and Brokers in Guthrie, Oklahoma

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Guthrie, Oklahoma mortgage lenders include BancfirstBancfirst224 N Division St, Guthrie, OK 73044A5.0 ★Texas Ratio: 6.40%, F&M BankF&M Bank2211 S Division St, Guthrie, OK 73044A+5.0 ★Texas Ratio: 2.45%, InterbankInterbank110 E Cleveland Ave, Guthrie, OK 73044A5.0 ★Texas Ratio: 11.26%, Great Plains National BankGreat Plains National Bank201 N Glenn L English St, Cordell, OK 73632A5.0 ★Texas Ratio: 12.14%, Stride Bank, National AssociationStride Bank, National Association1902 Se Washington Blvd, Bartlesville, OK 74006A5.0 ★Texas Ratio: 6.15%, First United Bank and Trust CoFirst United Bank and Trust Co221 W 12th St, Ada, OK 74820A5.0 ★Texas Ratio: 10.43%, Valor BankValor Bank119 S Broadway, Edmond, OK 73034A+5.0 ★Texas Ratio: 3.19%, Gateway First BankGateway First Bank422 S Dewey Ave, Bartlesville, OK 74003B+4.8 ★Texas Ratio: 17.16%, Tinker Federal Credit UnionTinker Federal Credit Union1620 Lonnie Abbott Blvd, Ada, OK 74820A+5.0 ★Texas Ratio: 2.34%, and The Central Trust BankThe Central Trust Bank3032 E 2nd St, Edmond, OK 73034A+5.0 ★Texas Ratio: 3.12%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Guthrie, Oklahoma in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Guthrie are listed first, then lenders elsewhere in Oklahoma, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Guthrie, Oklahoma

Market share is the lender's share of all home loans closed in Guthrie, Oklahoma. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Bancfirst 2 offices in Guthrie 224 N Division St, Guthrie, OK 73044 A5.0 ★Texas Ratio: 6.40%	Conventional, FHA, HELOC	24 +8 HELOCs	2.4%	73.5%	$165,000	View
F&M Bank 2 offices in Guthrie 2211 S Division St, Guthrie, OK 73044 A+5.0 ★Texas Ratio: 2.45%	Conventional, VA	13	1.3%	100%	$283,461	View
Interbank 2 offices in Guthrie 110 E Cleveland Ave, Guthrie, OK 73044 A5.0 ★Texas Ratio: 11.26%	Conventional	3	0.3%	100%	$135,000	View
Great Plains National Bank 201 N Glenn L English St, Cordell, OK 73632 A5.0 ★Texas Ratio: 12.14%	Conventional, FHA, VA, USDA	37	3.8%	100%	$297,162	View
Stride Bank, National Association 1902 Se Washington Blvd, Bartlesville, OK 74006 A5.0 ★Texas Ratio: 6.15%	Conventional, FHA, VA	31	3.2%	93.9%	$374,032	View
First United Bank and Trust Co 221 W 12th St, Ada, OK 74820 A5.0 ★Texas Ratio: 10.43%	Conventional, FHA, VA, USDA, HELOC	28 +3 HELOCs	2.9%	87.5%	$275,714	View
Valor Bank 119 S Broadway, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.19%	Conventional	20	2%	100%	$350,000	View
Gateway First Bank 422 S Dewey Ave, Bartlesville, OK 74003 B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	17	1.7%	100%	$323,235	View
Tinker Federal Credit Union 1620 Lonnie Abbott Blvd, Ada, OK 74820 A+5.0 ★Texas Ratio: 2.34%	Conventional, HELOC	15 +13 HELOCs	1.5%	73.9%	$144,333	View
The Central Trust Bank 3032 E 2nd St, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, VA, HELOC	13 +1 HELOCs	1.3%	93.3%	$362,692	View
Communication Federal Credit Union 129 S Mississippi Ave, Ada, OK 74820 6632 A5.0 ★Texas Ratio: 6.32%	Conventional	12	1.2%	100%	$170,833	View
Allegiance Federal Credit Union 1925 S Kelly Ave, Edmond, OK 73013 3686 A+5.0 ★Texas Ratio: 4.90%	Conventional, FHA	10	1%	80%	$154,000	View
Oklahoma's Credit Union 15100 N May Ave, Edmond, OK 73013 8803	Conventional	9	0.9%	100%	$141,666	View
Bokf NA 3815 E Frank Phillips Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 1.05%	Conventional, VA, HELOC	8 +9 HELOCs	0.8%	72.7%	$250,000	View
JPMorgan Chase Bank, NA 1651 N 9th St, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	8 +2 HELOCs	0.8%	100%	$348,750	View
Arvest Bank 100 Se Frank Phillips Blvd, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 7.48%	Conventional, HELOC	6 +10 HELOCs	0.6%	100%	$295,000	View
WEOKIE Federal Credit Union 310 S Kelly Ave, Edmond, OK 73003 5630 A+5.0 ★Texas Ratio: 3.25%	Conventional, HELOC	6 +9 HELOCs	0.6%	57.1%	$121,666	View
Regent Bank 422 S Dewey Ave, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 13.71%	Conventional	6	0.6%	100%	$373,333	View
Sovereign Bank 612 Willard Avenue, Canute, OK 73626 A+5.0 ★Texas Ratio: 0.44%	Conventional, FHA, VA	5	0.5%	100%	$311,000	View
FNB & Trust of Ardmore 1226 W Broadway St, Ardmore, OK 73401 A+5.0 ★Texas Ratio: 0.15%	Conventional	5	0.5%	100%	$263,000	View
Kirkpatrick Bank 15 E 15th St, Edmond, OK 73013 A+5.0 ★Texas Ratio: 0.00%	Conventional	5	0.5%	100%	$237,000	View
MidFirst Bank ★ 5 stars, 1 review 2511 N Main St, Altus, OK 73521 A+5.0 ★Texas Ratio: 4.93%	Conventional, HELOC	4 +6 HELOCs	0.4%	66.7%	$302,500	View
First Enterprise Bank 3801 Nw 122nd St, Oklahoma City, OK 73120 F2.0 ★Texas Ratio: 50.59%	Conventional	4	0.4%	100%	$117,500	View
First Liberty Bank 3500 24th Ave Nw, Norman, OK 73069 A+5.0 ★Texas Ratio: 0.50%	Conventional, FHA	4	0.4%	100%	$350,000	View
American Mortgage Bank 1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA	3	0.3%	100%	$238,333	View
Prism Bank 2610 S Division St, Guthrie, OK 73044 A+5.0 ★Texas Ratio: 4.47%	Conventional	3	0.3%	75%	$65,000	View
Bank of America NA 1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +5 HELOCs	0.2%	66.7%	$365,000	View
Fidelity Bank 1020 Nw 150th St, Edmond, OK 73013 A5.0 ★Texas Ratio: 12.33%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$270,000	View
Payne County Bank 920 E 1st St, Chandler, OK 74834 A5.0 ★Texas Ratio: 6.54%	Conventional	2	0.2%	100%	$245,000	View
Citizens Bank of Edmond 1 E 1st St, Edmond, OK 73034 A5.0 ★Texas Ratio: 6.97%	Conventional	2	0.2%	66.7%	$70,000	View
First Pryority Bank 310 E Graham Ave, Pryor, OK 74361 A-5.0 ★Texas Ratio: 14.96%	Conventional	2	0.2%	100%	$350,000	View
TTCU Federal Credit Union 13475 S Memorial Dr, Bixby, OK 74008 3157 A+5.0 ★Texas Ratio: 4.35%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$525,000	View
Simmons Bank 1616 Arlington St, Ada, OK 74820 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$45,000	View
Armstrong Bank 1701 Se Washington Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 3.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$85,000	View
All Capital Bank 4500 W Houston St, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 3.11%	Conventional	1	0.1%	100%	$305,000	View
First American Mortgage, LLC 301 West Main Street, Stonewall, OK 74871 A+5.0 ★Texas Ratio: 2.93%	USDA	1	0.1%	100%	$225,000	View
Mcclain Bank 213 N Main St, Noble, OK 73068 A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.1%	100%	$345,000	View
First Bethany Bank & Trust 6500 Nw 39th Expy, Bethany, OK 73008 B+3.8 ★Texas Ratio: 1.96%	Conventional	1	0.1%	100%	$105,000	View
The First National Bank & Trust Co 102 South Main Street, Alex, OK 73002 A5.0 ★Texas Ratio: 11.57%	Conventional	1	0.1%	100%	$575,000	View
Sooner State Bank 127 N Broadway St, Konawa, OK 74849 A+5.0 ★Texas Ratio: 1.85%	Conventional	1	0.1%	100%	$155,000	View
Truity Federal Credit Union ★ 1 stars, 1 review 2612 SE Washington Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$385,000	View
First National Bank of Oklahoma 5101 N Western Ave, Oklahoma City, OK 73118 A5.0 ★Texas Ratio: 12.27%	Conventional	1	0.1%	100%	$505,000	View
Corebank 406 Nw 12th Street, Oklahoma City, OK 73103 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$135,000	View
Oklahoma Educators Credit Union 7300 NW 23RD ST, BETHANY, OK 73008 5128 A+5.0 ★Texas Ratio: 1.99%	Conventional	1	0.1%	100%	$75,000	View
Mabrey Bank 11402 S Memorial Dr, Bixby, OK 74008 A+5.0 ★Texas Ratio: 4.13%	Conventional	1	0.1%	100%	$145,000	View
Great Nations Bank 2200 Alameda St, Norman, OK 73071 A+5.0 ★Texas Ratio: 0.80%	Conventional	1	0.1%	100%	$325,000	View
Chickasaw Community Bank 115 Park Ave, Oklahoma City, OK 73102 A5.0 ★Texas Ratio: 13.31%	FHA	1	0.1%	50%	$245,000	View
The Focus Federal Credit Union 1804 S 1st St, Chickasha, OK 73018 6011 A+5.0 ★Texas Ratio: 3.85%	Conventional	1	0.1%	100%	$195,000	View
Rcb Bank 26551 S Highway 125, Afton, OK 74331 A+5.0 ★Texas Ratio: 4.64%	Conventional	1	0.1%	100%	$265,000	View
Valliance Bank 1501 24th Ave Nw, Norman, OK 73069 A-5.0 ★Texas Ratio: 15.61%	Conventional	1	0.1%	50%	$195,000	View
Oklahoma Federal Credit Union 2828 Parklawn Dr, Midwest City, OK 73110	Conventional	1	0.1%	100%	$105,000	View
The First National Bank and Trust Company of Broke 2401 E Kenosha St, Broken Arrow, OK 74014 A+5.0 ★Texas Ratio: 0.75%	Conventional	1	0.1%	100%	$775,000	View
Intrust Bank, NA 1450 S Kelley Ave, Edmond, OK 73013 A+5.0 ★Texas Ratio: 5.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Umb Bank NA 600 N Robinson Avenue, Oklahoma City, OK 73102 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	n/a		View
Associated Mortgage Corporation	Conventional, FHA, VA, USDA	29	3%	100%	$303,620
Financial Concpepts Mortgage	Conventional, FHA, VA, USDA	12	1.2%	100%	$323,333
CWM Partners, LP dba Citywide Mortgage	Conventional, FHA	10	1%	100%	$302,000
Rocket Mortgage	Conventional, FHA, VA	57	5.8%	71.8%	$205,526
United Wholesale Mortgage	Conventional, FHA, VA, USDA	45	4.6%	90.4%	$296,111
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA, USDA	29	3%	100%	$237,413
Mortgage Research Center	VA	27	2.8%	65.9%	$371,296
DHI Mortgage Company, LTD.	Conventional, FHA, VA	22	2.2%	92%	$355,909
Lendlo Mortgage, LLC	Conventional, FHA, USDA	18	1.8%	100%	$164,444
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	17 +3 HELOCs	1.7%	81%	$249,705
V.I.P. Mortgage, Inc.	Conventional, FHA, VA, USDA	15	1.5%	100%	$295,666
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	14 +1 HELOCs	1.4%	100%	$346,428
Mortgage Solutions of Colorado	FHA, VA	14	1.4%	100%	$261,428
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	12	1.2%	85.7%	$420,833
Lennar Mortgage, LLC	Conventional, FHA, VA, USDA	12	1.2%	100%	$188,333
Nationstar Mortgage	Conventional, FHA, VA	12	1.2%	92.3%	$208,333
Better Mortgage Corporation	Conventional, FHA, VA, HELOC	11 +1 HELOCs	1.1%	73.3%	$249,545
Freedom Mortgage Corporation	FHA, VA	11	1.1%	87.5%	$316,818
Newrez LLC	Conventional, FHA, VA	11	1.1%	78.6%	$306,818
loanDepot.com LLC	Conventional, FHA, VA	11	1.1%	68.8%	$122,272
Click n' Close, Inc.	Conventional, FHA, VA, USDA	11	1.1%	100%	$204,090
Guild Mortgage Company	Conventional, FHA, VA	10	1%	100%	$304,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	10	1%	90.9%	$320,000	View
Flat Branch Mortgage, Inc.	Conventional, FHA, VA, USDA	9	0.9%	100%	$331,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	9	0.9%	75%	$291,666	View
Zillow Home Loans, LLC	Conventional, FHA	8	0.8%	88.9%	$241,250
Kind Lending, LLC	Conventional, FHA, VA	7	0.7%	88.9%	$417,857
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional, VA	7	0.7%	47.1%	$142,142	View
21St Mortgage	Conventional	7	0.7%	35%	$115,000
T2 Financial LLC	Conventional, FHA, VA	6	0.6%	85.7%	$230,000
Fairway Independent Mort Corp	Conventional, FHA	6	0.6%	100%	$305,000
Carrington Mortgage Services LLC	Conventional, VA	6	0.6%	50%	$93,333
Guaranteed Rate, Inc.	Conventional, VA, USDA, HELOC	5 +2 HELOCs	0.5%	100%	$359,000
Gardner Financial Services	Conventional, FHA	5	0.5%	100%	$259,000
American Financial Resources LLC	Conventional	4	0.4%	66.7%	$192,500
SWBC Mortgage Corporation	Conventional, FHA	4	0.4%	100%	$292,500
Churchill Mortgage Corporation	Conventional	4	0.4%	100%	$247,500
American Pacific Mortgage Corporation	Conventional, VA, USDA	4	0.4%	80%	$385,000
Southwest Stage Funding LLC	Conventional, FHA, VA	4	0.4%	54.5%	$190,000
The Mortgage Link, Inc.	Conventional, FHA	4	0.4%	100%	$260,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	3 +2 HELOCs	0.3%	60%	$101,666	View
Spring Eq, LLC	Conventional, HELOC	3 +2 HELOCs	0.3%	25%	$51,666
New American Funding, LLC.	Conventional, FHA, VA, HELOC	3 +1 HELOCs	0.3%	75%	$185,000
Assurance Financial Group, L.L.C.	Conventional, USDA	3	0.3%	100%	$461,666
Union Home Mortgage Corp.	Conventional, VA	3	0.3%	100%	$261,666
Planet Home Lending, LLC	FHA, VA	3	0.3%	60%	$358,333
Towne Mortgage Company	Conventional, FHA	3	0.3%	80%	$271,666
Mutual of Omaha Mortgage	Conventional, FHA, VA	3	0.3%	60%	$248,333
Plaza Home Mortgage, Inc	FHA	3	0.3%	60%	$208,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	100%	$78,333	View
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.3%	30.8%	$111,666
Interlinc Mortgage Services, LLC	FHA	2	0.2%	100%	$265,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	FHA, VA	2	0.2%	100%	$395,000	View
Servion	Conventional, FHA	2	0.2%	100%	$255,000
Everett Financial, Inc.	FHA, VA	2	0.2%	100%	$260,000
Canopy Mortgage, LLC	Conventional, VA	2	0.2%	66.7%	$250,000
Nbkc Bank	Conventional, VA	2	0.2%	100%	$385,000
Equity Prime Mortgage LLC	FHA, VA	2	0.2%	33.3%	$230,000
CrossCountry Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$345,000
AmeriHome Mortgage Company, LLC	FHA, VA	2	0.2%	100%	$325,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	2	0.2%	55.3%	$120,000	View
Loanunited.Com, LLC	FHA, VA	2	0.2%	100%	$330,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	2	0.2%	100%	$480,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	2	0.2%	100%	$370,000	View
Goldwater Bank, N.A. C+4.1 ★Texas Ratio: 26.20%	Conventional, FHA	2	0.2%	100%	$350,000	View
Sun West Mortgage Company, Inc	Conventional, VA	2	0.2%	100%	$450,000
Credit Human Federal Credit Un	Conventional	2	0.2%	66.7%	$115,000
Weichert Financial Services	Conventional	2	0.2%	100%	$560,000
Cardinal Financial Company, Li	VA	2	0.2%	100%	$515,000
Waterstone Mortgage Corporation	VA	2	0.2%	100%	$455,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, VA	2	0.2%	100%	$225,000	View
The Loan Store, Inc	Conventional	2	0.2%	100%	$175,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.2%	66.7%	$400,000
American Neighborhood Mortgage Acceptance Company	Conventional	2	0.2%	100%	$345,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +3 HELOCs	0.1%	50%	$385,000
Goodleap, LLC	VA, HELOC	1 +1 HELOCs	0.1%	50%	$225,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$385,000	View
Cadence Bank	FHA	1	0.1%	100%	$185,000
Alliant Credit Union	Conventional	1	0.1%	50%	$265,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$665,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$315,000
Zions Bancorporation, N.A. A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$545,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$305,000
Primelending	VA	1	0.1%	100%	$305,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$205,000	View
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	33.3%	$525,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$225,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$285,000
Acrisure Mortgage, LLC	FHA	1	0.1%	100%	$285,000
Norwich Commercial Group Inc	VA	1	0.1%	100%	$255,000
TruHome Solutions, LLC	VA	1	0.1%	100%	$295,000
Delmar Financial Company A5.0 ★Texas Ratio: 8.18%	Conventional	1	0.1%	100%	$305,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$235,000
National Police Federal Credit Union	Conventional	1	0.1%	100%	$425,000
Synergy One Lending, Inc. A5.0 ★Texas Ratio: 8.11%	Conventional	1	0.1%	100%	$285,000	View
American Financial Network, Inc.	VA	1	0.1%	100%	$345,000
Eustis Mortgage Corp	Conventional	1	0.1%	100%	$295,000
Plus Relocation Mortgage, LLC	Conventional	1	0.1%	100%	$225,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$215,000	View
Valley West Corporation	VA	1	0.1%	100%	$555,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$185,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	VA	1	0.1%	100%	$175,000	View
Veritex Community Bank	Conventional	1	0.1%	100%	$505,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$195,000
FirstTrust Home Loans	VA	1	0.1%	100%	$505,000
Discover Bank	Conventional	1	0.1%	9.1%	$45,000
Bay Equity LLC	FHA	1	0.1%	100%	$345,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$205,000
First State Bank A5.0 ★Texas Ratio: 7.77%	Conventional	1	0.1%	100%	$435,000	View
First Colony Mortgage Corporat	Conventional	1	0.1%	50%	$305,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$125,000
New Day Financial, LLC.	VA	1	0.1%	25%	$485,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$285,000	View
Provident Funding Associates	Conventional	1	0.1%	100%	$285,000
Baxter Credit Union	Conventional	1	0.1%	100%	$55,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$195,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	FHA	1	0.1%	100%	$135,000	View
Peoples Bank and Trust Co A5.0 ★Texas Ratio: 7.49%	Conventional	1	0.1%	100%	$425,000	View
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$525,000
Lower, LLC	FHA	1	0.1%	100%	$215,000
Farm Credit Mid-America, Aca	Conventional	1	0.1%	100%	$345,000
Red Diamond Home Loans, LLC	Conventional	1	0.1%	100%	$505,000
Paramount Residential Mortgage	VA	1	0.1%	100%	$555,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$465,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	VA	1	0.1%	100%	$425,000	View
Top Flite Financial, Inc.	VA	1	0.1%	100%	$385,000
Village Capital & Investment	VA	1	0.1%	66.7%	$235,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Movement Mortgage, LLC	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	100%
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Guthrie Mortgage Rate Trends

Daily average mortgage rates for Oklahoma compared with the national average, updated every evening.

30-Year Fixed OK Avg

7.493%

▲ 0.128 vs 7 days ago

15-Year Fixed OK Avg

7.006%

▲ 0.121 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Guthrie, Oklahoma

Looking for mortgage lenders near me or mortgage brokers near me in Guthrie? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Guthrie in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Guthrie, OK

Use these to narrow the list above. Each category shows how many Guthrie, OK lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 103 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 71 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 18 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 67 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 16 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OK 50 lenders headquartered in Oklahoma, the closest thing to a mortgage lender near you

Who Lends in Guthrie, OK

Independent mortgage companies closed 58.9 percent of home loans in Guthrie, Oklahoma in 2025, banks 33 percent and credit unions 8.1 percent. Associated Mortgage Corporation was the largest mortgage company, Bancfirst the largest bank and Tinker Federal Credit Union the largest credit union. Among lenders headquartered in Oklahoma, Bancfirst led with 24 loans.

58.9%

Mortgage companies

33%

Banks

8.1%

Credit unions

18%

FHA loans

20%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Oklahoma. Documentary stamp tax of $0.75 per $500 of consideration (0.15 percent, 68 O.S. 3201), customarily paid by the seller, plus a mortgage registration tax under 68 O.S. 1904 that slides with the mortgage term: $0.10 per $100 for five years or more, $0.08 for four to five years, $0.06 for three to four years, $0.04 for two to three years and $0.02 for under two years, plus a $10 certification fee, paid by the borrower when the mortgage is recorded.

More Oklahoma Mortgage Lender Pages

All Oklahoma lenders 644 lenders Oklahoma City 353 lenders Tulsa 271 lenders Broken Arrow 229 lenders Edmond 239 lenders Norman 210 lenders Lawton 128 lenders Owasso 149 lenders Moore 163 lenders Midwest City 153 lenders Shawnee 124 lenders Coweta 121 lenders Enid 92 lenders

Frequently Asked Questions About Mortgage Lenders in Guthrie, OK

Who is the largest mortgage lender in Guthrie, OK?

By home loans closed in 2025, Bancfirst was the largest mortgage lender in Guthrie, Oklahoma with 24 loans, about 2.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Guthrie, OK have the highest approval rates?

Among lenders with meaningful volume in Guthrie, Oklahoma, Rocket Mortgage approved the highest share of completed applications in 2025 at 71.8 percent, against a 82.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Guthrie, OK mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in Guthrie, Oklahoma in 2025, led by United Wholesale Mortgage with 15. 67 lenders closed VA loans, led by Mortgage Research Center, and 16 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Guthrie, OK lender list?

Yes. 71 banks and 18 credit unions closed home loans in Guthrie, Oklahoma in 2025, alongside 103 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Guthrie, OK ranked on this page?

Lenders are ranked only by the number of home loans they closed in Guthrie, Oklahoma during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Guthrie, Oklahoma for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Guthrie. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.