Top Mortgage Lenders in Stillwater, OK

Which mortgage lender in the Stillwater, 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 Stillwater, 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 Stillwater, OK area is Simmons Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.08%. This means that Simmons Bank provided a -0.08% lower interest rate for its customers than other lenders in Stillwater, OK for a similar set of borrowers. Simmons Bank has a market share of 17.8%. On the other hand, the most popular lender in the market is Bancfirst, with a market share of 18.1%. Bancfirst is also a relatively cheap lender, with a “Rate Difference” of -0.07% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Stillwater, 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 Stillwater, OK is Simmons Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Open Mortgage. The cheapest VA mortgage provider is also Open Mortgage. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Stillwater, OK

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Simmons Bank 1, -0.08% 17.77%
Bancfirst 2, -0.07% 18.09%
Open Mortgage 3, -0.07% 5.01%
Rcb Bank 4, -0.03% 14.54%
Gateway First Bank 5, 0.03% 16.48%
Quicken Loans 6, 0.07% 13.41%
Primelending 7, 0.08% 5.33%
InterLinc Mortgage Services 8, 0.17% 9.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bancfirst 1, -0.08% 18.60%
Simmons Bank 2, -0.08% 18.60%
Open Mortgage 3, -0.07% 5.99%
Rcb Bank 4, -0.02% 16.32%
Gateway First Bank 5, 0.05% 16.74%
Quicken Loans 6, 0.08% 5.99%
Primelending 7, 0.09% 6.20%
InterLinc Mortgage Services 8, 0.18% 11.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Simmons Bank 1, -0.06% 14.81%
Gateway First Bank 2, -0.04% 15.56%
Rcb Bank 3, -0.02% 8.15%
Bancfirst 4, -0.01% 16.30%
Open Mortgage 5, 0.00% 1.48%
InterLinc Mortgage Services 6, 0.01% 1.48%
Primelending 7, 0.03% 2.22%
Quicken Loans 8, 0.05% 40.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Simmons Bank 1, -0.07% 25.12%
Bancfirst 2, -0.06% 20.89%
Rcb Bank 3, -0.00% 13.62%
Gateway First Bank 4, 0.03% 19.01%
Open Mortgage 5, 0.06% 0.94%
Primelending 6, 0.09% 3.76%
Quicken Loans 7, 0.10% 12.91%
InterLinc Mortgage Services 8, 0.18% 3.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bancfirst 1, -0.07% 21.52%
Simmons Bank 2, -0.07% 27.53%
Rcb Bank 3, 0.01% 15.19%
Gateway First Bank 4, 0.06% 19.62%
Open Mortgage 5, 0.07% 0.95%
Quicken Loans 6, 0.10% 6.33%
Primelending 7, 0.11% 4.11%
InterLinc Mortgage Services 8, 0.20% 4.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Simmons Bank 1, -0.06% 18.18%
Gateway First Bank 2, -0.05% 17.27%
Rcb Bank 3, -0.03% 9.09%
Bancfirst 4, -0.02% 19.09%
Open Mortgage 5, 0.00% 0.91%
InterLinc Mortgage Services 6, 0.01% 0.91%
Primelending 7, 0.03% 2.73%
Quicken Loans 8, 0.08% 31.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Open Mortgage 1, -0.12% 16.89%
Bancfirst 2, -0.12% 14.19%
Rcb Bank 3, -0.09% 16.22%
Simmons Bank 4, -0.01% 0.68%
Quicken Loans 5, -0.01% 11.49%
Gateway First Bank 6, 0.09% 10.14%
Primelending 7, 0.10% 6.76%
InterLinc Mortgage Services 8, 0.16% 23.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Open Mortgage 1, -0.13% 17.78%
Bancfirst 2, -0.12% 14.81%
Rcb Bank 3, -0.09% 17.78%
Simmons Bank 4, -0.01% 0.74%
Quicken Loans 5, 0.05% 5.19%
Gateway First Bank 6, 0.09% 11.11%
Primelending 7, 0.09% 7.41%
InterLinc Mortgage Services 8, 0.16% 25.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 76.92%
Open Mortgage 2, 0.02% 7.69%
Bancfirst 3, 0.03% 7.69%
InterLinc Mortgage Services 4, 0.04% 7.69%
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Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Open Mortgage 1, -0.03% 4.44%
Primelending 2, -0.03% 15.56%
Simmons Bank 3, -0.02% 4.44%
Rcb Bank 4, -0.01% 17.78%
Gateway First Bank 5, 0.00% 13.33%
Quicken Loans 6, 0.01% 24.44%
InterLinc Mortgage Services 7, 0.03% 15.56%
Bancfirst 8, 0.03% 4.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Open Mortgage 1, -0.03% 6.06%
Primelending 2, -0.03% 21.21%
Simmons Bank 3, -0.02% 6.06%
Rcb Bank 4, -0.01% 21.21%
Quicken Loans 5, 0.01% 6.06%
Gateway First Bank 6, 0.01% 12.12%
InterLinc Mortgage Services 7, 0.03% 21.21%
Bancfirst 8, 0.03% 6.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gateway First Bank 1, -0.01% 16.67%
Rcb Bank 2, -0.01% 8.33%
Quicken Loans 3, 0.00% 75.00%

* Data is compiled for the Stillwater, OK commuting zone area, which comprises of counties of Kay County, OK, Noble County, OK, and Payne County, OK. This includes cities/towns/communities of Stillwater, OK as well as Ponca City, OK, Cushing, OK, Glencoe, OK, Perkins, OK, Blackwell, OK, Newkirk, OK, Perry, OK, Tonkawa, OK, Yale, OK, Morrison, OK, and Billings, 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.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Stillwater, OK area. For mortgage lender rankings of other cities, click here.