Oklahoma Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Oklahoma. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.1%
Avg APR
15yr Fixed
6.5%
Avg APR
Median Price
$200,000
Median home
Monthly P&I
$1,067
30yr at 80% LTV
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Top Mortgage Lenders in Oklahoma
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Oklahoma
- ✓OHFA DREAM Program
- ✓Advantage First-Time Homebuyer
- ✓USDA Rural Development Loans
Mortgage Requirements in Oklahoma
- •Min 620 credit score for OHFA programs
- •Income limits apply
- •DTI under 45%
Oklahoma Housing Market Facts
Oklahoma City and Tulsa offer exceptional housing affordability.
Oklahoma has some of the highest home insurance costs due to tornado risk.
OHFA DREAM provides competitive interest rates for income-qualified buyers.
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