Mortgage Lenders and Brokers in Ponca City, Oklahoma
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ponca City, Oklahoma mortgage lenders include Rcb BankRcb BankTwo Lake Road, Ponca City, OK 74601A+5.0 ★Texas Ratio: 4.64%, First National Bank of OklahomaFirst National Bank of Oklahoma1501 E Prospect Ave, Ponca City, OK 74604A5.0 ★Texas Ratio: 12.27%, Equity BankEquity Bank201 E Central Ave, Ponca City, OK 74601A5.0 ★Texas Ratio: 6.60%, Community National Bank & TrustCommunity National Bank & Trust709 E Prospect Ave, Ponca City, OK 74601A5.0 ★Texas Ratio: 6.38%, City National Bank and TrustCity National Bank and Trust1101 E Prospect Ave, Ponca City, OK 74601B4.6 ★Texas Ratio: 19.27%, F&M BankF&M Bank116 S Grand St, Crescent, OK 73028A+5.0 ★Texas Ratio: 2.45%, Great Plains National BankGreat Plains National Bank201 N Glenn L English St, Cordell, OK 73632A5.0 ★Texas Ratio: 12.14%, Truity Federal Credit UnionTruity Federal Credit Union2612 SE Washington Blvd, Bartlesville, OK 74006A+5.0 ★Texas Ratio: 2.87%, BancfirstBancfirst310 W Main St, Ardmore, OK 73401A5.0 ★Texas Ratio: 6.40%, and Arvest BankArvest Bank100 Se Frank Phillips Blvd, Bartlesville, OK 74003A5.0 ★Texas Ratio: 7.48%. 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 Ponca City, Oklahoma in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ponca City 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 Ponca City, Oklahoma
Market share is the lender's share of all home loans closed in Ponca City, 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 |
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4 offices in Ponca City Two Lake Road, Ponca City, OK 74601 A+5.0 ★Texas Ratio: 4.64% |
Conventional, FHA, VA | 45 | 14% | 84.9% | $152,333 | View |
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1 office in Ponca City 1501 E Prospect Ave, Ponca City, OK 74604 A5.0 ★Texas Ratio: 12.27% |
Conventional | 43 | 13.4% | 97.8% | $95,465 | View |
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3 offices in Ponca City 201 E Central Ave, Ponca City, OK 74601 A5.0 ★Texas Ratio: 6.60% |
Conventional, FHA, HELOC | 4 +10 HELOCs |
1.2% | 80% | $155,000 | View |
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1 office in Ponca City 709 E Prospect Ave, Ponca City, OK 74601 A5.0 ★Texas Ratio: 6.38% |
Conventional, HELOC | 4 +8 HELOCs |
1.2% | 80% | $217,500 | View |
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1 office in Ponca City 1101 E Prospect Ave, Ponca City, OK 74601 B4.6 ★Texas Ratio: 19.27% |
Conventional | 2 | 0.6% | 100% | $75,000 | View |
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116 S Grand St, Crescent, OK 73028 A+5.0 ★Texas Ratio: 2.45% |
Conventional, FHA | 8 | 2.5% | 100% | $180,000 | View |
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201 N Glenn L English St, Cordell, OK 73632 A5.0 ★Texas Ratio: 12.14% |
FHA | 4 | 1.2% | 100% | $197,500 | View |
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★ 1 stars, 1 review 2612 SE Washington Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 3 | 0.9% | 100% | $408,333 | View |
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310 W Main St, Ardmore, OK 73401 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA | 3 | 0.9% | 100% | $118,333 | View |
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100 Se Frank Phillips Blvd, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 7.48% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $275,000 | View |
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1616 Arlington St, Ada, OK 74820 A+5.0 ★Texas Ratio: 5.33% |
Conventional, FHA | 2 | 0.6% | 100% | $85,000 | View |
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221 W 12th St, Ada, OK 74820 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA | 2 | 0.6% | 100% | $310,000 | View |
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3032 E 2nd St, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.12% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $155,000 | View |
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1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 0.3% | 100% | $145,000 | View |
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422 S Dewey Ave, Bartlesville, OK 74003 B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 0.3% | 100% | $315,000 | View |
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7300 NW 23RD ST, BETHANY, OK 73008 5128 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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920 E 1st St, Chandler, OK 74834 A5.0 ★Texas Ratio: 6.54% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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3815 E Frank Phillips Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 1.05% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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606 E Main St, Ada, OK 74820 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Clearing Corporation
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Conventional | 2 | 0.6% | 100% | $220,000 | |
Associated Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $100,000 | |
The Bank, National Association
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Conventional | 2 | 0.6% | 100% | $90,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 88 | 27.3% | 100% | $161,818 | |
Rocket Mortgage
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Conventional, FHA | 21 | 6.5% | 68.8% | $122,142 | |
United Wholesale Mortgage
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Conventional, VA | 7 | 2.2% | 70% | $213,571 | |
Mortgage Research Center
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Conventional, VA | 6 | 1.9% | 43.8% | $193,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
1.2% | 100% | $205,000 | |
Pennymac Loan Services LLC
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FHA | 4 | 1.2% | 62.5% | $187,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.9% | 71.4% | $215,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 0.9% | 60% | $168,333 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional, FHA | 3 | 0.9% | 25% | $55,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 0.6% | 66.7% | $110,000 | View |
Royal United Mortgage LLC
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Conventional | 2 | 0.6% | 100% | $80,000 | |
Newrez LLC
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VA | 2 | 0.6% | 100% | $170,000 | |
Click n' Close, Inc.
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FHA | 2 | 0.6% | 100% | $180,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.6% | 100% | $110,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional, VA | 2 | 0.6% | 100% | $185,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.6% | 100% | $195,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.6% | 100% | $145,000 | |
21St Mortgage
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Conventional | 2 | 0.6% | 66.7% | $135,000 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $305,000 | View |
Cadence Bank
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Conventional | 1 | 0.3% | 100% | $605,000 | |
Alameda Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $235,000 | |
Texoma Community Credit Union
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.3% | 100% | $205,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.3% | 50% | $75,000 | View |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $335,000 | |
Eustis Mortgage Corp
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.3% | 100% | $185,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Network Funding, L.P.
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FHA | 1 | 0.3% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
American Financing Corporation
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FHA | 1 | 0.3% | 100% | $55,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.3% | 100% | $275,000 | |
T2 Financial LLC
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FHA | 1 | 0.3% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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A5.0 ★Texas Ratio: 13.24% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 1.41% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 66.7% | $45,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.3% | 100% | $205,000 | |
New American Funding, LLC.
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FHA | 1 | 0.3% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 10.77% |
FHA | 1 | 0.3% | 100% | $105,000 | View |
Right Start Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.3% | 100% | $285,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $325,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 50% | $135,000 | |
The Mortgage Link, Inc.
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Union Home Mortgage Corp.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ponca City Mortgage Rate Trends
Daily average mortgage rates for Oklahoma compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ponca City, Oklahoma
Looking for mortgage lenders near me or mortgage brokers near me in Ponca City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ponca City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ponca City, OK
Use these to narrow the list above. Each category shows how many Ponca City, OK lenders fit and what that kind of lender is usually best for.
Who Lends in Ponca City, OK
Independent mortgage companies closed 54.3 percent of home loans in Ponca City, Oklahoma in 2025, banks 42.5 percent and credit unions 3.1 percent. Mortgage Clearing Corporation was the largest mortgage company, Rcb Bank the largest bank and Truity Federal Credit Union the largest credit union. Among lenders headquartered in Oklahoma, Rcb Bank led with 45 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
Frequently Asked Questions About Mortgage Lenders in Ponca City, OK
By home loans closed in 2025, Rcb Bank was the largest mortgage lender in Ponca City, Oklahoma with 45 loans, about 14 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ponca City, Oklahoma, Flat Branch Mortgage, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 85.3 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.
25 lenders closed FHA loans in Ponca City, Oklahoma in 2025, led by Flat Branch Mortgage, Inc. with 44. 15 lenders closed VA loans, led by Flat Branch Mortgage, Inc.. 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.
Yes. 29 banks and 5 credit unions closed home loans in Ponca City, Oklahoma in 2025, alongside 42 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.
Lenders are ranked only by the number of home loans they closed in Ponca City, 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 Ponca City, 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 Ponca City. 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.
