Top Mortgage Lenders in the Ardmore, OK area

Which mortgage lender in the Ardmore, OK area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Ardmore, OK area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Ardmore, OK area is Bank 2, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.10%. This means that Bank 2 provided a -0.10% lower interest rate for its customers than other lenders in Ardmore, OK for a similar set of borrowers. Bank 2 has a market share of 7.0%. On the other hand, the most popular lender in the market is First United Bank And Trust Co, with a market share of 28.9%. First United Bank And Trust Co is an average rate lender in this area, with a “Rate Difference” of -0.04% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bank 2. The cheapest VA mortgage provider is Quicken Loans. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank 2 1, -0.10% 7.03%
Bancfirst 2, -0.04% 8.12%
First United Bank And Trust Co 3, -0.04% 28.91%
F & M Bank 4, -0.00% 5.31%
Landmark Bank National Association 5, 0.02% 9.38%
Gateway First Bank 6, 0.03% 7.81%
Guild Mortgage Company 7, 0.04% 5.62%
Quicken Loans 8, 0.05% 16.72%
Caliber Home Loans Inc 9, 0.06% 11.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank 2 1, -0.10% 8.99%
Bancfirst 2, -0.03% 7.68%
First United Bank And Trust Co 3, -0.03% 36.62%
F & M Bank 4, 0.01% 2.63%
Quicken Loans 5, 0.03% 9.21%
Landmark Bank National Association 6, 0.04% 8.99%
Guild Mortgage Company 7, 0.05% 5.70%
Gateway First Bank 8, 0.06% 8.33%
Caliber Home Loans Inc 9, 0.07% 11.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bancfirst 1, -0.07% 9.24%
First United Bank And Trust Co 2, -0.06% 9.78%
Landmark Bank National Association 3, -0.04% 10.33%
Gateway First Bank 4, -0.04% 6.52%
F & M Bank 5, -0.02% 11.96%
Bank 2 6, -0.02% 2.17%
Guild Mortgage Company 7, 0.02% 5.43%
Caliber Home Loans Inc 8, 0.04% 9.24%
Quicken Loans 9, 0.05% 35.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bancfirst 1, -0.06% 11.80%
First United Bank And Trust Co 2, -0.03% 23.03%
F & M Bank 3, -0.02% 8.99%
Gateway First Bank 4, -0.01% 7.30%
Landmark Bank National Association 5, 0.00% 16.57%
Bank 2 6, 0.02% 1.40%
Guild Mortgage Company 7, 0.03% 5.34%
Quicken Loans 8, 0.05% 17.13%
Caliber Home Loans Inc 9, 0.06% 8.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bancfirst 1, -0.05% 11.31%
First United Bank And Trust Co 2, -0.02% 30.32%
F & M Bank 3, -0.01% 4.98%
Quicken Loans 4, 0.01% 10.86%
Gateway First Bank 5, 0.01% 8.14%
Bank 2 6, 0.02% 2.26%
Landmark Bank National Association 7, 0.02% 18.10%
Guild Mortgage Company 8, 0.04% 5.43%
Caliber Home Loans Inc 9, 0.05% 8.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First United Bank And Trust Co 1, -0.07% 11.11%
Bancfirst 2, -0.07% 12.59%
Gateway First Bank 3, -0.05% 5.93%
Landmark Bank National Association 4, -0.04% 14.07%
F & M Bank 5, -0.02% 15.56%
Guild Mortgage Company 6, 0.02% 5.19%
Caliber Home Loans Inc 7, 0.07% 8.15%
Quicken Loans 8, 0.07% 27.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank 2 1, -0.10% 15.74%
First United Bank And Trust Co 2, -0.05% 38.72%
Bancfirst 3, -0.02% 3.83%
F & M Bank 4, 0.04% 0.43%
Guild Mortgage Company 5, 0.05% 5.11%
Caliber Home Loans Inc 6, 0.08% 14.89%
Quicken Loans 7, 0.08% 13.62%
Gateway First Bank 8, 0.11% 7.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank 2 1, -0.10% 16.92%
First United Bank And Trust Co 2, -0.04% 43.78%
Bancfirst 3, -0.01% 4.48%
Guild Mortgage Company 4, 0.06% 4.98%
Quicken Loans 5, 0.08% 6.47%
Caliber Home Loans Inc 6, 0.10% 15.42%
Gateway First Bank 7, 0.13% 7.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank 2 1, -0.06% 8.82%
Caliber Home Loans Inc 2, -0.04% 11.76%
F & M Bank 3, -0.03% 2.94%
Guild Mortgage Company 4, -0.02% 5.88%
First United Bank And Trust Co 5, -0.02% 8.82%
Gateway First Bank 6, -0.02% 5.88%
Quicken Loans 7, 0.03% 55.88%
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Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 28.57%
Gateway First Bank 2, -0.02% 12.24%
Bank 2 3, -0.01% 6.12%
F & M Bank 4, -0.00% 2.04%
Bancfirst 5, -0.00% 2.04%
Landmark Bank National Association 6, 0.00% 2.04%
First United Bank And Trust Co 7, 0.02% 24.49%
Guild Mortgage Company 8, 0.03% 10.20%
Caliber Home Loans Inc 9, 0.03% 12.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gateway First Bank 1, -0.03% 11.76%
Quicken Loans 2, -0.03% 14.71%
Bank 2 3, -0.03% 5.88%
F & M Bank 4, -0.02% 2.94%
Bancfirst 5, -0.02% 2.94%
Landmark Bank National Association 6, -0.01% 2.94%
First United Bank And Trust Co 7, 0.01% 35.29%
Guild Mortgage Company 8, 0.02% 11.76%
Caliber Home Loans Inc 9, 0.04% 11.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 60.00%
Gateway First Bank 2, 0.00% 13.33%
Caliber Home Loans Inc 3, 0.03% 13.33%
Bank 2 4, 0.03% 6.67%
Guild Mortgage Company 5, 0.04% 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 for the data comes from 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 based on the MSA, 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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