Mortgage Lenders and Brokers in Sand Springs, 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
Sand Springs, Oklahoma mortgage lenders include Bokf NABokf NA401 East Broadway, Sand Springs, OK 74063A+5.0 ★Texas Ratio: 1.05%, BancfirstBancfirst102 W 41st St, Sand Springs, OK 74063A5.0 ★Texas Ratio: 6.40%, Green Country Federal Credit UnionGreen Country Federal Credit Union3973 s highway 97, sand springs, OK 74063 3829B+4.7 ★Texas Ratio: 18.94%, First United Bank and Trust CoFirst United Bank and Trust Co221 W 12th St, Ada, OK 74820A5.0 ★Texas Ratio: 10.43%, TTCU Federal Credit UnionTTCU Federal Credit Union202 S Main St, Sand Springs, OK 74063A+5.0 ★Texas Ratio: 4.35%, Arvest BankArvest Bank100 Se Frank Phillips Blvd, Bartlesville, OK 74003A5.0 ★Texas Ratio: 7.48%, American Heritage BankAmerican Heritage Bank220 S Adams Rd, Sand Springs, OK 74063A+5.0 ★Texas Ratio: 0.80%, Stride Bank, National AssociationStride Bank, National Association1902 Se Washington Blvd, Bartlesville, OK 74006A5.0 ★Texas Ratio: 6.15%, The Central Trust BankThe Central Trust Bank3032 E 2nd St, Edmond, OK 73034A+5.0 ★Texas Ratio: 3.12%, and Gateway First BankGateway First Bank422 S Dewey Ave, Bartlesville, OK 74003B+4.8 ★Texas Ratio: 17.16%. 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 Sand Springs, Oklahoma in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sand Springs 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 Sand Springs, Oklahoma
Market share is the lender's share of all home loans closed in Sand Springs, 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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1 office in Sand Springs 401 East Broadway, Sand Springs, OK 74063 A+5.0 ★Texas Ratio: 1.05% |
Conventional, FHA, VA, USDA, HELOC | 44 +33 HELOCs |
7.5% | 88% | $194,772 | View |
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2 offices in Sand Springs 102 W 41st St, Sand Springs, OK 74063 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA, HELOC | 15 +1 HELOCs |
2.5% | 95.2% | $137,000 | View |
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3973 s highway 97, sand springs, OK 74063 3829 B+4.7 ★Texas Ratio: 18.94% |
Conventional | 14 | 2.4% | 100% | $100,714 | View |
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221 W 12th St, Ada, OK 74820 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA, VA, HELOC | 23 +2 HELOCs |
3.9% | 88.5% | $259,347 | View |
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202 S Main St, Sand Springs, OK 74063 A+5.0 ★Texas Ratio: 4.35% |
Conventional, HELOC | 17 +23 HELOCs |
2.9% | 89.5% | $206,764 | View |
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100 Se Frank Phillips Blvd, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 7.48% |
Conventional, FHA, VA, HELOC | 13 +10 HELOCs |
2.2% | 86.7% | $195,000 | View |
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220 S Adams Rd, Sand Springs, OK 74063 A+5.0 ★Texas Ratio: 0.80% |
Conventional | 11 | 1.9% | 100% | $195,000 | View |
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1902 Se Washington Blvd, Bartlesville, OK 74006 A5.0 ★Texas Ratio: 6.15% |
Conventional, FHA, VA | 11 | 1.9% | 100% | $235,000 | View |
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3032 E 2nd St, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA | 9 | 1.5% | 100% | $241,666 | View |
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422 S Dewey Ave, Bartlesville, OK 74003 B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 8 | 1.4% | 100% | $182,500 | View |
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220 Jefferson St, Sand Springs, OK 74063 B4.6 ★Texas Ratio: 20.19% |
Conventional, HELOC | 4 +10 HELOCs |
0.7% | 83.3% | $177,500 | View |
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2211 S Aspen Ave, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 0.78% |
Conventional, HELOC | 4 +3 HELOCs |
0.7% | 100% | $105,000 | View |
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4500 W Houston St, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 3.11% |
Conventional | 4 | 0.7% | 100% | $182,500 | View |
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129 S Mississippi Ave, Ada, OK 74820 6632 A5.0 ★Texas Ratio: 6.32% |
Conventional | 4 | 0.7% | 100% | $102,500 | View |
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422 S Dewey Ave, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 13.71% |
Conventional | 3 | 0.5% | 100% | $171,666 | View |
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8601 N Garnett Rd, Owasso, OK 74055 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 3 | 0.5% | 100% | $108,333 | View |
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5951 S Lewis Ave, Tulsa, OK 74105 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 0.5% | 100% | $91,666 | View |
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201 N Glenn L English St, Cordell, OK 73632 A5.0 ★Texas Ratio: 12.14% |
Conventional, FHA | 3 | 0.5% | 100% | $255,000 | View |
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311 West Main Street, Glencoe, OK 74032 A+5.0 ★Texas Ratio: 2.71% |
Conventional | 3 | 0.5% | 100% | $111,666 | View |
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28664 E 141st St S, Coweta, OK 74429 A+5.0 ★Texas Ratio: 5.68% |
Conventional, FHA | 3 | 0.5% | 100% | $215,000 | View |
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1651 N 9th St, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $250,000 | View |
Community Bank
317 S Main St, Bristow, OK 74010 |
Conventional | 2 | 0.3% | 100% | $105,000 | |
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10727 E 51st St, Tulsa, OK 74146 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 2 | 0.3% | 100% | $375,000 | View |
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310 E Graham Ave, Pryor, OK 74361 A-5.0 ★Texas Ratio: 14.96% |
Conventional | 2 | 0.3% | 100% | $85,000 | View |
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1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $155,000 | View |
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★ 5 stars, 1 review 2511 N Main St, Altus, OK 73521 A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.2% | 100% | $45,000 | View |
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5101 N Western Ave, Oklahoma City, OK 73118 A5.0 ★Texas Ratio: 12.27% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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1001 Nw 63rd St, Oklahoma City, OK 73116 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 0.2% | 50% | $515,000 | View |
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11402 S Memorial Dr, Bixby, OK 74008 A+5.0 ★Texas Ratio: 4.13% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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920 E 1st St, Chandler, OK 74834 A5.0 ★Texas Ratio: 6.54% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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606 E Main St, Ada, OK 74820 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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600 N Robinson Avenue, Oklahoma City, OK 73102 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.2% | 50% | $155,000 | View |
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1701 Se Washington Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 3.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Associated Mortgage Corporation
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Conventional, FHA, VA | 61 | 10.4% | 100% | $239,262 | |
American Bank of Oklahoma
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Conventional | 1 | 0.2% | 100% | $175,000 | |
The Bank, National Association
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 65 | 11% | 81.5% | $167,153 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 28 | 4.8% | 96.6% | $231,428 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 27 | 4.6% | 87.1% | $286,481 | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 16 | 2.7% | 100% | $291,875 | |
Mortgage Research Center
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FHA, VA | 15 | 2.5% | 83.3% | $295,666 | |
The Mortgage Link, Inc.
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Conventional, FHA, VA | 8 | 1.4% | 100% | $206,250 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 1.2% | 88.9% | $292,142 | |
Mortgage Solutions of Colorado
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Conventional, FHA, VA | 7 | 1.2% | 100% | $190,714 | |
Canopy Mortgage, LLC
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FHA | 6 | 1% | 100% | $245,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 1% | 70% | $151,666 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 5 | 0.8% | 100% | $271,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 5 | 0.8% | 100% | $151,000 | View |
Nationstar Mortgage
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Conventional | 5 | 0.8% | 83.3% | $71,000 | |
Guaranteed Rate, Inc.
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FHA, VA | 4 | 0.7% | 80% | $222,500 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 0.7% | 50% | $152,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 4 | 0.7% | 100% | $322,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 0.7% | 80% | $217,500 | |
21St Mortgage
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Conventional | 4 | 0.7% | 22.7% | $62,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.5% | 75% | $171,666 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional, FHA | 3 | 0.5% | 37.5% | $148,333 | View |
Click n' Close, Inc.
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FHA, USDA | 3 | 0.5% | 100% | $171,666 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $141,666 | |
Better Mortgage Corporation
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Conventional, FHA | 3 | 0.5% | 100% | $221,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.5% | 100% | $218,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.5% | 16.7% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.3% | 40% | $275,000 | View |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $170,000 | |
American Financial Resources LLC
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FHA | 2 | 0.3% | 100% | $330,000 | |
Newrez LLC
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FHA | 2 | 0.3% | 66.7% | $360,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.3% | 66.7% | $155,000 | |
Success Mortgage Partners, Inc
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Conventional, USDA | 2 | 0.3% | 100% | $165,000 | |
Discover Bank
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Conventional | 2 | 0.3% | 50% | $35,000 | |
Sun West Mortgage Company, Inc
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VA | 2 | 0.3% | 100% | $260,000 | |
Developer's Mortgage Company
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Conventional, FHA | 2 | 0.3% | 100% | $220,000 | |
Cardinal Financial Company, Li
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FHA | 2 | 0.3% | 100% | $255,000 | |
T2 Financial LLC
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Conventional | 2 | 0.3% | 100% | $170,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, FHA | 2 | 0.3% | 100% | $140,000 | View |
Towne Mortgage Company
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FHA | 2 | 0.3% | 100% | $290,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 0.3% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 100% | $125,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.3% | 33.3% | $155,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.3% | 100% | $290,000 | |
American Airlines Federal Cred
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $115,000 | View |
Primary Residential Mortgage, INC.
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VA | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.2% | 100% | $305,000 | |
Aspire Home Loans
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FHA | 1 | 0.2% | 100% | $185,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 50% | $225,000 | |
Kind Lending, LLC
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USDA | 1 | 0.2% | 25% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.2% | 52.4% | $75,000 | View |
PHH Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $125,000 | View |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 100% | $415,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 50% | $225,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.2% | 7.7% | $205,000 | |
Connexus Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.2% | 100% | $265,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $325,000 | View |
Churchill Mortgage Corporation
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USDA | 1 | 0.2% | 100% | $225,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 5.45% |
FHA | 1 | 0.2% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 13.24% |
FHA | 1 | 0.2% | 100% | $105,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $145,000 | |
International Bank of Commerce
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Conventional | 1 | 0.2% | 100% | $45,000 | |
Sente Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 50% | $135,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $205,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 100% | $195,000 | |
Members Mortgage Services, LLC
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VA | 1 | 0.2% | 100% | $165,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $435,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.2% | 50% | $175,000 | |
Gershman Investment Corp.
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VA | 1 | 0.2% | 100% | $285,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $465,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sand Springs 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 Sand Springs, Oklahoma
Looking for mortgage lenders near me or mortgage brokers near me in Sand Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sand Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sand Springs, OK
Use these to narrow the list above. Each category shows how many Sand Springs, OK lenders fit and what that kind of lender is usually best for.
Who Lends in Sand Springs, OK
Independent mortgage companies closed 55.7 percent of home loans in Sand Springs, Oklahoma in 2025, banks 35.7 percent and credit unions 8.7 percent. Associated Mortgage Corporation was the largest mortgage company, Bokf NA the largest bank and Green Country Federal Credit Union the largest credit union. Among lenders headquartered in Oklahoma, Bokf NA led with 44 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 Sand Springs, OK
By home loans closed in 2025, Bokf NA was the largest mortgage lender in Sand Springs, Oklahoma with 44 loans, about 7.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Sand Springs, Oklahoma, Associated Mortgage Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 82.9 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.
54 lenders closed FHA loans in Sand Springs, Oklahoma in 2025, led by Associated Mortgage Corporation with 23. 25 lenders closed VA loans, led by Mortgage Research Center, and 5 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.
Yes. 45 banks and 10 credit unions closed home loans in Sand Springs, Oklahoma in 2025, alongside 63 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 Sand Springs, 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 Sand Springs, 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 Sand Springs. 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.
