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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.875%	6.614%	1.875	$2,251
VA 30-Year Fixed	5.750%	6.075%	2.000	$2,068
Conventional 15-Year Fixed	5.625%	6.018%	2.125	$2,883
Conventional 30-Year Fixed	6.250%	6.491%	2.125	$2,155
Jumbo 30-Year Fixed	6.125%	6.317%	1.875	$5,772

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	5.875%	6.699%	2.500	$2,251
VA 30-Year Refinance	5.875%	6.159%	2.500	$2,080
Conventional 15-Year Refinance	5.750%	6.237%	2.500	$2,906
Conventional 30-Year Refinance	6.375%	6.663%	2.375	$2,183
Jumbo 30-Year Refinance	6.125%	6.349%	2.125	$5,772

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.614% APR and $2,251 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.075% APR and $2,068 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.018% APR and $2,883 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.491% APR and $2,155 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.317% APR and $5,772 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.699% APR and $2,251 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.159% APR and $2,080 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.237% APR and $2,906 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.663% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.349% APR and $5,772 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

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Mortgage Rates Trend in Oklahoma

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Oklahoma

Oklahoma mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Oklahoma City can differ from one for a property in rural Oklahoma when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

If you already own a home in Oklahoma, compare Oklahoma refinance rates when deciding whether to replace your current mortgage.

Types of Mortgages Available in Oklahoma

Oklahomans buying a home can choose among several mortgage structures, while the amount borrowed determines whether conventional financing stays within Oklahoma's statewide conforming limit.

A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.
FHA loans in Oklahoma follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.
Eligible borrowers can compare Oklahoma VA loan rates. VA financing follows its own borrower and property requirements.
USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Oklahoma.
An adjustable-rate mortgage can change after its initial rate period according to the loan terms.
A jumbo loan finances an amount above the applicable conforming limit. Oklahoma uses one statewide one-unit threshold for 2026.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Oklahoma.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Oklahoma

All 77 counties in Oklahoma use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Oklahoma. The threshold applies to the amount borrowed rather than the home's purchase price.

Buyers borrowing above $832,750 can compare Oklahoma jumbo loan rates. Because the same one-unit limit applies across all 77 counties, there is no county-level conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Oklahoma Mortgage Payment Examples By Rate

Oklahoma's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit that applies across all 77 counties for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Oklahoma mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount	5.50%	5.75%	6.00%	6.25%	6.50%
$800,000	$4,542	$4,669	$4,796	$4,926	$5,057
$700,000	$3,975	$4,085	$4,197	$4,310	$4,424
$600,000	$3,407	$3,501	$3,597	$3,694	$3,792
$500,000	$2,839	$2,918	$2,998	$3,079	$3,160
$400,000	$2,271	$2,334	$2,398	$2,463	$2,528
$300,000	$1,703	$1,751	$1,799	$1,847	$1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

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July 17, 2026

5.0

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July 25, 2026

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May 29, 2026

5.0

Helped out and answered my questions

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July 18, 2026

5.0

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May 25, 2026

5.0

The fast And easy process with great communication.

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July 1, 2026

Jonathon B. rated Brianna Floyd 5.0 stars: Brianna was very nice and answered any question I had . it made buying my first house very pleasant and easy Wingobball rated Doug Richards 5.0 stars: Doug and his team made the entire home buying process feel simpler and more straightforward. His communication is excellent and he is readily available to answer any questions we had. Jesus B. rated Irma Arteaga 5.0 stars: One thing I truly appreciate in a person or company is honest and genuine communication. That’s exactly what I experienced with Irma. From the very beginning, she was transparent, trustworthy, and sincere — qualities that are hard to find these days. To me, a great experience is feeling confident and secure because the information being shared is honest and legitimate. It gives you peace of mind and reassurance that you’re making the right decision. Brandon S. rated Doug Bills 5.0 stars: Helped out and answered my questions Carrie R. rated Taylor Weiner 5.0 stars: Taylor has helped me through the purchase of my first home, multiple refinances, and now my new home purchase. Every experience has been smooth, professional, and stress-free. He consistently communicates clearly, responds quickly, and genuinely makes you feel supported throughout the entire process. Having someone trustworthy and knowledgeable during such major life decisions makes all the difference, and I’ve always felt confident knowing I was in good hands with Taylor. I truly appreciate his dedication, patience, and consistency over the years, and I would absolutely recommend him and his team to anyone looking for a loan officer they can trust. Jacob L. rated Taylor Fruge 5.0 stars: The fast And easy process with great communication.

Today's Mortgage Rates in Oklahoma

OK Mortgage Rate Insights

Current Oklahoma Mortgage Rates

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Mortgage Rates Trend in Oklahoma

What Affects Mortgage Interest Rates in Oklahoma

Types of Mortgages Available in Oklahoma

2026 Conforming and Jumbo Loan Limits in Oklahoma

Oklahoma Mortgage Payment Examples By Rate

Oklahoma Mortgage FAQs

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