Stillwater, Oklahoma mortgage lenders include BancfirstBancfirst202 S Hester St, Stillwater, OK 74074A5.0 ★Texas Ratio: 6.40%, Simmons BankSimmons Bank1908 S Sangre Rd, Stillwater, OK 74074A+5.0 ★Texas Ratio: 5.33%, Rcb BankRcb Bank401 S Duck St, Stillwater, OK 74074A+5.0 ★Texas Ratio: 4.64%, Arvest BankArvest Bank524 N Main St, Stillwater, OK 74075A5.0 ★Texas Ratio: 7.48%, Bokf NABokf NA3815 E Frank Phillips Blvd, Bartlesville, OK 74006A+5.0 ★Texas Ratio: 1.05%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA203 S Knoblock St, Stillwater, OK 74074A+5.0 ★Texas Ratio: 3.68%, MidFirst BankMidFirst Bank111 N Perkins Rd, Stillwater, OK 74075A+5.0 ★Texas Ratio: 4.93%, Blue Sky BankBlue Sky Bank525 S Jardot Rd, Stillwater, OK 74074C+4.1 ★Texas Ratio: 26.33%, Great Plains National BankGreat Plains National Bank232 S Main St, Stillwater, OK 74074A5.0 ★Texas Ratio: 12.14%, and Payne County BankPayne County Bank920 E 1st St, Chandler, OK 74834A5.0 ★Texas Ratio: 6.54%. 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 Stillwater, Oklahoma in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Stillwater 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.
Market share is the lender's share of all home loans closed in Stillwater, 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 |
|---|---|---|---|---|---|---|
|
3 offices in Stillwater 202 S Hester St, Stillwater, OK 74074 A5.0 ★Texas Ratio: 6.40% |
Conventional, FHA, VA, HELOC | 83 +15 HELOCs |
14% | 88.5% | $212,710 | View |
|
4 offices in Stillwater 1908 S Sangre Rd, Stillwater, OK 74074 A+5.0 ★Texas Ratio: 5.33% |
Conventional, FHA, VA, HELOC | 40 +18 HELOCs |
6.8% | 95.3% | $262,750 | View |
|
3 offices in Stillwater 401 S Duck St, Stillwater, OK 74074 A+5.0 ★Texas Ratio: 4.64% |
Conventional | 22 | 3.7% | 88% | $242,727 | View |
|
1 office in Stillwater 524 N Main St, Stillwater, OK 74075 A5.0 ★Texas Ratio: 7.48% |
Conventional, FHA, VA, HELOC | 18 +8 HELOCs |
3% | 100% | $346,111 | View |
|
1 office in Stillwater 3815 E Frank Phillips Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 1.05% |
Conventional, VA, Jumbo, HELOC | 8 +1 HELOCs |
1.4% | 100% | $362,500 | View |
|
1 office in Stillwater 203 S Knoblock St, Stillwater, OK 74074 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 1% | 100% | $245,000 | View |
|
★ 5 stars, 1 review 1 office in Stillwater 111 N Perkins Rd, Stillwater, OK 74075 A+5.0 ★Texas Ratio: 4.93% |
Conventional, HELOC | 3 +2 HELOCs |
0.5% | 100% | $181,666 | View |
|
1 office in Stillwater 525 S Jardot Rd, Stillwater, OK 74074 C+4.1 ★Texas Ratio: 26.33% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
|
232 S Main St, Stillwater, OK 74074 A5.0 ★Texas Ratio: 12.14% |
Conventional, FHA, VA | 51 | 8.6% | 98.1% | $243,823 | View |
|
920 E 1st St, Chandler, OK 74834 A5.0 ★Texas Ratio: 6.54% |
Conventional | 17 | 2.9% | 94.4% | $203,823 | View |
|
5101 W 6th Ave, Stillwater, OK 74074 A+5.0 ★Texas Ratio: 2.34% |
Conventional, VA, HELOC | 9 +4 HELOCs |
1.5% | 81.8% | $116,111 | View |
|
1902 Se Washington Blvd, Bartlesville, OK 74006 A5.0 ★Texas Ratio: 6.15% |
Conventional, VA | 8 | 1.4% | 100% | $212,500 | View |
|
221 W 12th St, Ada, OK 74820 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA | 6 | 1% | 85.7% | $258,333 | View |
|
422 S Dewey Ave, Bartlesville, OK 74003 B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 4 | 0.7% | 100% | $170,000 | View |
|
★ 1 stars, 1 review 2612 SE Washington Blvd, Bartlesville, OK 74006 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 4 | 0.7% | 100% | $277,500 | View |
|
111 W Main St, Billings, OK 74630 A+5.0 ★Texas Ratio: 4.42% |
Conventional | 4 | 0.7% | 80% | $177,500 | View |
|
612 Willard Avenue, Canute, OK 73626 A+5.0 ★Texas Ratio: 0.44% |
Conventional | 3 | 0.5% | 100% | $241,666 | View |
|
1720 Mclish St, Ardmore, OK 73401 C+4.1 ★Texas Ratio: 25.84% |
Conventional | 3 | 0.5% | 75% | $291,666 | View |
|
3032 E 2nd St, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.12% |
Conventional | 3 | 0.5% | 75% | $238,333 | View |
|
119 S Broadway, Edmond, OK 73034 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.3% | 100% | $295,000 | View |
|
★ 4 stars, 1 review 802 Coblake St, Apache, OK 73006 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 2 | 0.3% | 100% | $295,000 | View |
|
2201 N Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 2 | 0.3% | 100% | $370,000 | View |
|
15100 N May Ave, Edmond, OK 73013 8803 |
Conventional | 2 | 0.3% | 100% | $280,000 | View |
|
210 N Oakwood Rd, Enid, OK 73703 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 2 | 0.3% | 100% | $405,000 | View |
|
1650 S Elm Pl, Broken Arrow, OK 74012 6455 B4.6 ★Texas Ratio: 20.19% |
Conventional | 2 | 0.3% | 100% | $125,000 | View |
|
13475 S Memorial Dr, Bixby, OK 74008 3157 A+5.0 ★Texas Ratio: 4.35% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $265,000 | View |
|
422 S Dewey Ave, Bartlesville, OK 74003 A5.0 ★Texas Ratio: 13.71% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
|
1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 0.2% | 100% | $275,000 | View |
|
12201 N May Ave, Oklahoma City, OK 73120 A5.0 ★Texas Ratio: 6.61% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
|
310 S Kelly Ave, Edmond, OK 73003 5630 A+5.0 ★Texas Ratio: 3.25% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
|
127 N Broadway St, Konawa, OK 74849 A+5.0 ★Texas Ratio: 1.85% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
|
5101 N Western Ave, Oklahoma City, OK 73118 A5.0 ★Texas Ratio: 12.27% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
|
1226 W Broadway St, Ardmore, OK 73401 A+5.0 ★Texas Ratio: 0.15% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
|
7300 NW 23RD ST, BETHANY, OK 73008 5128 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
|
1906 East 1st, Chandler, OK 74834 B+4.4 ★Texas Ratio: 8.51% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
|
11402 S Memorial Dr, Bixby, OK 74008 A+5.0 ★Texas Ratio: 4.13% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
|
605 S 8th St, Cache, OK 73527 D3.0 ★Texas Ratio: 39.19% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
|
1 E 1st St, Edmond, OK 73034 A5.0 ★Texas Ratio: 6.97% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
|
225 W Main St, Binger, OK 73009 B-4.4 ★Texas Ratio: 22.58% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
129 S Mississippi Ave, Ada, OK 74820 6632 A5.0 ★Texas Ratio: 6.32% |
Conventional | 1 | 0.2% | 100% | $565,000 | View |
|
1800 S Elm Pl, Broken Arrow, OK 74012 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Bank, National Association
|
Conventional | 14 | 2.4% | 100% | $255,714 | |
CWM Partners, LP dba Citywide Mortgage
|
Conventional, FHA | 11 | 1.9% | 100% | $295,000 | |
|
A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 1% | 100% | $193,333 | View |
Associated Mortgage Corporation
|
Conventional, FHA, VA | 4 | 0.7% | 100% | $242,500 | |
Financial Concpepts Mortgage
|
FHA | 1 | 0.2% | 100% | $285,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 45 | 7.6% | 79.3% | $219,666 | |
Sente Mortgage, Inc.
|
Conventional, FHA, VA | 15 | 2.5% | 100% | $240,333 | |
Lennar Mortgage, LLC
|
Conventional, FHA, VA | 13 | 2.2% | 92.9% | $206,538 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 12 | 2% | 75% | $342,500 | |
Lendlo Mortgage, LLC
|
Conventional, FHA, USDA | 10 | 1.7% | 100% | $203,000 | |
Mortgage Research Center
|
VA | 10 | 1.7% | 66.7% | $248,000 | |
loanDepot.com LLC
|
Conventional, FHA | 6 | 1% | 66.7% | $198,333 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 6 | 1% | 60% | $316,666 | |
|
A+5.0 ★Texas Ratio: 5.06% |
Conventional | 5 | 0.8% | 50% | $121,000 | View |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 5 | 0.8% | 100% | $293,000 | View |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
0.7% | 66.7% | $127,500 | |
Newrez LLC
|
Conventional, VA | 4 | 0.7% | 66.7% | $487,500 | |
Nationstar Mortgage
|
Conventional, FHA | 4 | 0.7% | 66.7% | $255,000 | |
Towne Mortgage Company
|
Conventional, FHA | 4 | 0.7% | 80% | $302,500 | |
New American Funding, LLC.
|
Conventional, FHA | 4 | 0.7% | 100% | $197,500 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 0.5% | 100% | $178,333 | View |
American Portfolio Mortgage Corporation
|
FHA | 3 | 0.5% | 100% | $248,333 | |
Freedom Mortgage Corporation
|
FHA, VA | 3 | 0.5% | 75% | $301,666 | |
Kind Lending, LLC
|
Conventional, FHA | 3 | 0.5% | 75% | $288,333 | |
Guild Mortgage Company
|
Conventional, FHA | 3 | 0.5% | 100% | $371,666 | |
Waterstone Mortgage Corporation
|
Conventional, FHA, VA | 3 | 0.5% | 100% | $175,000 | |
Right Start Mortgage, Inc
|
Conventional, FHA | 3 | 0.5% | 100% | $181,666 | |
Gold Star Mortgage Financial Group, Corporation
|
VA | 2 | 0.3% | 100% | $330,000 | |
Wichita Federal Credit Union
|
Conventional | 2 | 0.3% | 100% | $35,000 | |
|
A5.0 ★Texas Ratio: 12.30% |
Conventional | 2 | 0.3% | 100% | $300,000 | |
United Built Homes, LLC
|
Conventional | 2 | 0.3% | 100% | $330,000 | |
Flat Branch Mortgage, Inc.
|
Conventional | 2 | 0.3% | 100% | $180,000 | |
New Day Financial, LLC.
|
VA | 2 | 0.3% | 50% | $180,000 | |
Gardner Financial Services
|
Conventional, FHA | 2 | 0.3% | 100% | $335,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.3% | 100% | $370,000 | View |
Pentagon Federal Credit Union
|
Conventional, VA | 2 | 0.3% | 66.7% | $290,000 | |
21St Mortgage
|
Conventional | 2 | 0.3% | 25% | $85,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 66.7% | $210,000 | View |
Tomo Mortgage LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $335,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $115,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $425,000 | View |
|
A5.0 ★Texas Ratio: 10.85% |
Conventional | 1 | 0.2% | 100% | $655,000 | View |
American Financial Resources LLC
|
VA | 1 | 0.2% | 100% | $435,000 | |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.2% | 100% | $255,000 | |
Royal United Mortgage LLC
|
FHA | 1 | 0.2% | 100% | $195,000 | |
|
A5.0 ★Texas Ratio: 9.89% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
SWBC Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $145,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.2% | 50% | $85,000 | |
Canopy Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $335,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $665,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 50% | $395,000 | |
CrossCountry Mortgage, LLC
|
FHA | 1 | 0.2% | 50% | $295,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional | 1 | 0.2% | 100% | $175,000 | |
AdvantageFirst Lending Inc
|
VA | 1 | 0.2% | 100% | $515,000 | |
MortgageCountry
|
FHA | 1 | 0.2% | 100% | $145,000 | |
Success Mortgage Partners, Inc
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
City 1st Mortgage Services, LC
|
FHA | 1 | 0.2% | 100% | $315,000 | |
SIRVA Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $295,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.2% | 100% | $465,000 | |
Real Genius LLC
|
Conventional | 1 | 0.2% | 100% | $175,000 | |
Weichert Financial Services
|
Conventional | 1 | 0.2% | 100% | $755,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 100% | $255,000 | |
|
A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $245,000 | View |
|
A+5.0 ★Texas Ratio: 1.48% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
Lendsure Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $335,000 | |
FineMark National Bank & Trust
|
Conventional | 1 | 0.2% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
|
A+5.0 ★Texas Ratio: 0.25% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Better Mortgage Corporation
|
Conventional | 1 | 0.2% | 50% | $55,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.2% | 100% | $245,000 | |
Endeavor Capital, LLC
|
FHA | 1 | 0.2% | 100% | $175,000 | |
Thrivent Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $35,000 | |
Prosperity Home Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $245,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 0.2% | 100% | $255,000 | |
1St Advantage Federal Credit U
|
Conventional | 1 | 0.2% | 100% | $165,000 | |
|
★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
|
A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
United Nations Federal CU
|
Conventional | 1 | 0.2% | 100% | $325,000 | |
Thrivent Bank
|
Conventional | 1 | 0.2% | 50% | $75,000 | |
Angel Oak Mortgage Solutions LLC
|
Conventional, Jumbo | 1 | 0.2% | 100% | $875,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.2% | 22.2% | $65,000 | |
Figure Lending LLC
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Kinecta Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Empeople Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Daily average mortgage rates for Oklahoma compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Stillwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Stillwater in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Stillwater, OK lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 35.9 percent of home loans in Stillwater, Oklahoma in 2025, banks 58.2 percent and credit unions 5.9 percent. CWM Partners, LP dba Citywide Mortgage 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 83 loans.
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.
By home loans closed in 2025, Bancfirst was the largest mortgage lender in Stillwater, Oklahoma with 83 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 Stillwater, Oklahoma, Great Plains National Bank approved the highest share of completed applications in 2025 at 98.1 percent, against a 86.8 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.
36 lenders closed FHA loans in Stillwater, Oklahoma in 2025, led by Great Plains National Bank with 12. 27 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 52 banks and 18 credit unions closed home loans in Stillwater, Oklahoma in 2025, alongside 59 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 Stillwater, 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.
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 Stillwater, 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 Stillwater. 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.