Top Mortgage Lenders in Ardmore, OK

Which mortgage lender in the Ardmore, OK area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Ardmore, OK area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Ardmore, OK area in terms of interest rate is Chickasaw Community Bank, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Chickasaw Community Bank provided a -0.09% lower interest rate for its customers than other lenders in the area. Chickasaw Community Bank has a market share of 7.8%. On the other hand, the most popular lender in the Ardmore, OK area is First United Bank, with a larger market share of 32.0%. First United Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.04% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Ardmore, OK area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Ardmore, OK is BancFirst of Oklahoma. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Chickasaw Community Bank. The cheapest VA mortgage provider is Quicken Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Ardmore, OK

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Chickasaw Community Bank-0.09%(4.0)7.79%
BancFirst of Oklahoma-0.04%(3.5)9.00%
First United Bank-0.04%(3.5)32.01%
F&M Bank OK-0.00%(3.5)5.88%
Gateway First Bank0.03%(3.5)8.65%
Guild Mortgage Company0.04%(3.5)6.23%
Quicken Loans0.06%(3.0)18.17%
Caliber Home Loans0.06%(3.0)12.28%
Lender NameRate DifferenceRate RatingMarket Share
Chickasaw Community Bank-0.09%(4.0)9.93%
BancFirst of Oklahoma-0.03%(3.5)8.47%
First United Bank-0.03%(3.5)40.44%
F&M Bank OK0.01%(3.5)2.91%
Quicken Loans0.04%(3.5)9.69%
Guild Mortgage Company0.05%(3.0)6.30%
Gateway First Bank0.06%(3.0)9.20%
Caliber Home Loans0.07%(3.0)13.08%
Lender NameRate DifferenceRate RatingMarket Share
BancFirst of Oklahoma-0.08%(4.0)10.30%
First United Bank-0.07%(4.0)10.91%
Gateway First Bank-0.04%(3.5)7.27%
F&M Bank OK-0.03%(3.5)13.33%
Chickasaw Community Bank-0.02%(3.5)2.42%
Guild Mortgage Company0.01%(3.5)6.06%
Caliber Home Loans0.03%(3.5)10.30%
Quicken Loans0.05%(3.5)39.39%
Lender NameRate DifferenceRate RatingMarket Share
BancFirst of Oklahoma-0.06%(4.0)14.24%
First United Bank-0.03%(3.5)27.80%
F&M Bank OK-0.02%(3.5)10.85%
Gateway First Bank-0.01%(3.5)8.81%
Chickasaw Community Bank0.02%(3.5)1.69%
Guild Mortgage Company0.03%(3.5)6.44%
Quicken Loans0.05%(3.0)20.00%
Caliber Home Loans0.06%(3.0)10.17%
Lender NameRate DifferenceRate RatingMarket Share
BancFirst of Oklahoma-0.05%(3.5)13.97%
First United Bank-0.02%(3.5)37.43%
F&M Bank OK-0.01%(3.5)6.15%
Gateway First Bank0.01%(3.5)10.06%
Quicken Loans0.02%(3.5)12.29%
Chickasaw Community Bank0.02%(3.5)2.79%
Guild Mortgage Company0.04%(3.5)6.70%
Caliber Home Loans0.05%(3.0)10.61%
Lender NameRate DifferenceRate RatingMarket Share
First United Bank-0.08%(4.0)12.93%
BancFirst of Oklahoma-0.08%(4.0)14.66%
Gateway First Bank-0.05%(4.0)6.90%
F&M Bank OK-0.02%(3.5)18.10%
Guild Mortgage Company0.02%(3.5)6.03%
Caliber Home Loans0.06%(3.0)9.48%
Quicken Loans0.07%(3.0)31.90%
Lender NameRate DifferenceRate RatingMarket Share
Chickasaw Community Bank-0.10%(4.0)15.74%
First United Bank-0.05%(3.5)38.72%
BancFirst of Oklahoma-0.02%(3.5)3.83%
F&M Bank OK0.04%(3.5)0.43%
Guild Mortgage Company0.05%(3.5)5.11%
Caliber Home Loans0.08%(3.0)14.89%
Quicken Loans0.08%(3.0)13.62%
Gateway First Bank0.11%(3.0)7.66%
Lender NameRate DifferenceRate RatingMarket Share
Chickasaw Community Bank-0.10%(4.0)16.92%
First United Bank-0.04%(3.5)43.78%
BancFirst of Oklahoma-0.01%(3.5)4.48%
Guild Mortgage Company0.06%(3.0)4.98%
Quicken Loans0.08%(3.0)6.47%
Caliber Home Loans0.10%(3.0)15.42%
Gateway First Bank0.13%(3.0)7.96%
Lender NameRate DifferenceRate RatingMarket Share
Chickasaw Community Bank-0.06%(4.0)8.82%
Caliber Home Loans-0.04%(3.5)11.76%
F&M Bank OK-0.03%(3.5)2.94%
Guild Mortgage Company-0.02%(3.5)5.88%
First United Bank-0.02%(3.5)8.82%
Gateway First Bank-0.02%(3.5)5.88%
Quicken Loans0.03%(3.5)55.88%
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Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.03%(3.5)29.17%
Gateway First Bank-0.02%(3.5)12.50%
Chickasaw Community Bank-0.01%(3.5)6.25%
F&M Bank OK-0.00%(3.5)2.08%
BancFirst of Oklahoma-0.00%(3.5)2.08%
First United Bank0.02%(3.5)25.00%
Guild Mortgage Company0.03%(3.5)10.42%
Caliber Home Loans0.03%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.04%(3.5)12.12%
Quicken Loans-0.03%(3.5)15.15%
Chickasaw Community Bank-0.03%(3.5)6.06%
F&M Bank OK-0.02%(3.5)3.03%
BancFirst of Oklahoma-0.02%(3.5)3.03%
First United Bank0.01%(3.5)36.36%
Guild Mortgage Company0.02%(3.5)12.12%
Caliber Home Loans0.04%(3.5)12.12%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)60.00%
Gateway First Bank0.00%(3.5)13.33%
Caliber Home Loans0.03%(3.5)13.33%
Chickasaw Community Bank0.03%(3.5)6.67%
Guild Mortgage Company0.04%(3.5)6.67%

* Data is compiled for the Ardmore, OK commuting zone area, which comprises of counties of Carter County, OK, Garvin County, OK, Johnston County, OK, Love County, OK, Marshall County, OK, and Murray County, OK. This includes cities/towns/communities of Ardmore, OK as well as Lone Grove, OK, Kingston, OK, Davis, OK, Sulphur, OK, Dickson, OK, Pauls Valley, OK, Tishomingo, OK, Madill, OK, Thackerville, OK, Lebanon, OK, Paoli, OK, Stratford, OK, Elmore City, OK, Springer, OK, Wilson, OK, Leon, OK, Healdton, OK, Wynnewood, OK, Wapanucka, OK, Marietta, OK, Erin Springs, OK, Lindsay, OK, Mannsville, OK, Hickory, OK, Maysville, OK, and Ratliff City, OK. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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