Mortgage Lenders and Brokers in Spencer, 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
Spencer, Oklahoma mortgage lenders include Sooner State BankSooner State Bank127 N Broadway St, Konawa, OK 74849A+5.0 ★Texas Ratio: 1.85%, Tinker Federal Credit UnionTinker Federal Credit Union1620 Lonnie Abbott Blvd, Ada, OK 74820A+5.0 ★Texas Ratio: 2.34%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1651 N 9th St, Broken Arrow, OK 74012A+5.0 ★Texas Ratio: 3.68%, Bank7Bank768807 Broadway St, Camargo, OK 73835A+5.0 ★Texas Ratio: 2.55%, BancfirstBancfirst310 W Main St, Ardmore, OK 73401A5.0 ★Texas Ratio: 6.40%, Valor BankValor Bank119 S Broadway, Edmond, OK 73034A+5.0 ★Texas Ratio: 3.19%, Oklahoma's Credit UnionOklahoma's Credit Union15100 N May Ave, Edmond, OK 73013 8803, FNB Community BankFNB Community Bank15801 Ne 23rd St, Choctaw, OK 73020B4.5 ★Texas Ratio: 21.65%, First United Bank and Trust CoFirst United Bank and Trust Co221 W 12th St, Ada, OK 74820A5.0 ★Texas Ratio: 10.43%, and First Enterprise BankFirst Enterprise Bank3801 Nw 122nd St, Oklahoma City, OK 73120F2.0 ★Texas Ratio: 50.59%. 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 Spencer, Oklahoma in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spencer 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 Spencer, Oklahoma
Market share is the lender's share of all home loans closed in Spencer, 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 Spencer 127 N Broadway St, Konawa, OK 74849 A+5.0 ★Texas Ratio: 1.85% |
Conventional | 1 | 1.2% | 100% | $55,000 | View |
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1620 Lonnie Abbott Blvd, Ada, OK 74820 A+5.0 ★Texas Ratio: 2.34% |
Conventional, HELOC | 3 +1 HELOCs |
3.6% | 42.9% | $71,666 | View |
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1651 N 9th St, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 3 | 3.6% | 75% | $141,666 | View |
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68807 Broadway St, Camargo, OK 73835 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 3 | 3.6% | 100% | $158,333 | View |
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310 W Main St, Ardmore, OK 73401 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA, HELOC | 2 +2 HELOCs |
2.4% | 42.9% | $105,000 | View |
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119 S Broadway, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 2.4% | 100% | $105,000 | View |
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15100 N May Ave, Edmond, OK 73013 8803 |
Conventional | 2 | 2.4% | 100% | $75,000 | View |
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★ 5 stars, 1 review 15801 Ne 23rd St, Choctaw, OK 73020 B4.5 ★Texas Ratio: 21.65% |
Conventional | 2 | 2.4% | 100% | $85,000 | View |
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221 W 12th St, Ada, OK 74820 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA | 2 | 2.4% | 100% | $150,000 | View |
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3801 Nw 122nd St, Oklahoma City, OK 73120 F2.0 ★Texas Ratio: 50.59% |
Conventional | 2 | 2.4% | 100% | $145,000 | View |
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310 S Kelly Ave, Edmond, OK 73003 5630 A+5.0 ★Texas Ratio: 3.25% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 50% | $15,000 | View |
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100 Se Frank Phillips Blvd, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 7.48% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $85,000 | View |
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422 S Dewey Ave, Bartlesville, OK 74003 B+4.8 ★Texas Ratio: 17.16% |
FHA | 1 | 1.2% | 100% | $105,000 | View |
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12201 N May Ave, Oklahoma City, OK 73120 A5.0 ★Texas Ratio: 6.61% |
Conventional | 1 | 1.2% | 100% | $225,000 | View |
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406 Nw 12th Street, Oklahoma City, OK 73103 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 100% | $145,000 | View |
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7300 NW 23RD ST, BETHANY, OK 73008 5128 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 1.2% | 100% | $75,000 | View |
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1906 East 1st, Chandler, OK 74834 B+4.4 ★Texas Ratio: 8.51% |
Conventional | 1 | 1.2% | 33.3% | $185,000 | View |
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1616 Arlington St, Ada, OK 74820 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 1.2% | 100% | $165,000 | View |
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1804 S 1st St, Chickasha, OK 73018 6011 A+5.0 ★Texas Ratio: 3.85% |
Conventional | 1 | 1.2% | 100% | $55,000 | View |
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5100 S I 35 Service Rd, Oklahoma City, OK 73129 D3.4 ★Texas Ratio: 34.37% |
Conventional | 1 | 1.2% | 100% | $115,000 | View |
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26551 S Highway 125, Afton, OK 74331 A+5.0 ★Texas Ratio: 4.64% |
Conventional | 1 | 1.2% | 100% | $415,000 | View |
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1 E 1st St, Edmond, OK 73034 A5.0 ★Texas Ratio: 6.97% |
Conventional | 1 | 1.2% | 100% | $295,000 | View |
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116 S Grand St, Crescent, OK 73028 A+5.0 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.2% | 50% | $175,000 | View |
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1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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3815 E Frank Phillips Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 1.05% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Financial Concpepts Mortgage
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FHA | 2 | 2.4% | 100% | $135,000 | |
Associated Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $135,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 7.1% | 100% | $160,000 | |
Paramount Residential Mortgage
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Conventional, FHA, USDA | 5 | 6% | 100% | $77,000 | |
Newrez LLC
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Conventional, VA | 4 | 4.8% | 80% | $137,500 | |
Mortgage Research Center
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VA | 4 | 4.8% | 80% | $192,500 | |
Rocket Mortgage
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Conventional, VA | 2 | 2.4% | 50% | $145,000 | |
Canopy Mortgage, LLC
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FHA | 2 | 2.4% | 100% | $185,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 2.4% | 100% | $95,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 2.4% | 100% | $195,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 2 | 2.4% | 100% | $100,000 | |
The Mortgage Link, Inc.
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Conventional, USDA | 2 | 2.4% | 100% | $130,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.2% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.2% | 100% | $135,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 1.2% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 4.37% |
FHA | 1 | 1.2% | 100% | $135,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 33.3% | $45,000 | |
United Built Homes, LLC
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Conventional | 1 | 1.2% | 50% | $385,000 | |
Bay Equity LLC
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FHA | 1 | 1.2% | 100% | $155,000 | |
New Day Financial, LLC.
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VA | 1 | 1.2% | 33.3% | $145,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $155,000 | |
Better Mortgage Corporation
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VA | 1 | 1.2% | 100% | $345,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.2% | 50% | $125,000 | |
CSL Financial, LLC
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Conventional | 1 | 1.2% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 1.2% | 100% | $185,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.2% | 50% | $135,000 | |
21St Mortgage
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Conventional | 1 | 1.2% | 7.1% | $45,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View |
Spencer 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 Spencer, Oklahoma
Looking for mortgage lenders near me or mortgage brokers near me in Spencer? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spencer in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spencer, OK
Use these to narrow the list above. Each category shows how many Spencer, OK lenders fit and what that kind of lender is usually best for.
Who Lends in Spencer, OK
Independent mortgage companies closed 52.4 percent of home loans in Spencer, Oklahoma in 2025, banks 35.7 percent and credit unions 11.9 percent. Financial Concpepts Mortgage was the largest mortgage company, Sooner State Bank the largest bank and Tinker Federal Credit Union the largest credit union. Among lenders headquartered in Oklahoma, Sooner State Bank led with 1 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 Spencer, OK
By home loans closed in 2025, Sooner State Bank was the largest mortgage lender in Spencer, Oklahoma with 1 loans, about 1.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Spencer, Oklahoma in 2025, led by Financial Concpepts Mortgage with 2. 9 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 24 banks and 7 credit unions closed home loans in Spencer, Oklahoma in 2025, alongside 22 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 Spencer, 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 Spencer, 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 Spencer. 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.
