Get a Lower rate in Oklahoma whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

View Legal Disclosures

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.733%	1.875	$2,277
VA 30-Year Fixed	5.875%	6.215%	2.125	$2,096
Conventional 15-Year Fixed	5.750%	6.164%	2.250	$2,906
Conventional 30-Year Fixed	6.375%	6.605%	2.000	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	5.990%	6.819%	2.500	$2,277
VA 30-Year Refinance	5.990%	6.276%	2.500	$2,106
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.780%	2.375	$2,209
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.733% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.215% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.164% APR and $2,906 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.605% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.819% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.276% APR and $2,106 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.780% APR and $2,209 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

We're all about lower rates — and lower stress. Our online process is seamless and stress-free, and our expert loan officers analyze your details to give you a personalized estimate so that you can make an informed decision.

See Personalized Rates

No-impact credit check. No commitment.

Refinance 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 Refinance Rates in Oklahoma

Oklahoma refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Oklahoma mortgage rates.

Types of Refinances Available in Oklahoma

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

Refinancing With OHFA Down Payment Assistance

If you originally bought your home using down payment assistance from the Oklahoma Housing Finance Agency, check the terms of that assistance before refinancing. OHFA's current homebuyer assistance is provided through a second mortgage, and refinancing the first mortgage generally requires repayment of that second lien.

FHA and VA Refinance Options in Oklahoma

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting. HUD's FHA streamline refinance guidance covers the streamline requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower your monthly mortgage payment or make payments more stable. The VA's IRRRL guidance requires the mortgage being refinanced to already be VA-backed.

Conforming Loan Limits for an Oklahoma Refinance

Oklahoma uses the national baseline conforming loan limit throughout the state. Under FHFA's 2026 conforming loan limits, the limit for a one-unit property is $832,750.

The same one-unit limit applies in Oklahoma County, Tulsa County, Cleveland County and other parts of the state. A one-unit refinance above $832,750 exceeds the 2026 conforming loan limit anywhere in Oklahoma.

A mortgage below that amount still has to meet applicable conventional mortgage requirements to qualify as conforming.

Oklahoma Refinance FAQs

When Does Refinancing Make Sense in Oklahoma?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Do Oklahoma City or Tulsa Have Higher Conforming Loan Limits?

No. Oklahoma County and Tulsa County both use the $832,750 conforming loan limit for one-unit properties in 2026. The same one-unit limit applies throughout Oklahoma.

What Happens to OHFA Down Payment Assistance If I Refinance?

OHFA's current down payment assistance is structured as a second mortgage. Refinancing the first mortgage generally makes that second lien due for repayment, so review your specific OHFA loan documents before completing a refinance.

Can I Refinance a VA Loan in Oklahoma?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

5.0

Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreciate his help and would definitely recommend him. Thank you, Tyler!

Fouad Z.

Verified Customer

August 24, 2026

5.0

Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without… any hesitation.

Atif M.

Verified Customer

August 14, 2026

5.0

Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce.

Joe C.

Verified Customer

August 5, 2026

5.0

I cannot say enough wonderful things about Karylle & her team and the entire experience we had. From the very beginning, they were incredibly patient, understanding, and thorough. They took the time to explain every step of the process in detail and always made sure we understood what was happening. What stood out the most was that they genuinely cared about us as people, not just as clients. They took the time to understand our family, our situation, and how important… this home was to us. During what can be an incredibly stressful process, they were always reassuring, responsive, and willing to answer every question we had. We truly felt like we were more than just another loan application. They treated our family with kindness, respect, and genuine care, and that meant so much to us. I would 100% recommend them to anyone looking to purchase a home or refinance. If you want someone who is knowledgeable, patient, detailed, compassionate, and truly invested in helping you succeed, look no further. We are so grateful for everything they did to help our family get into our new home! 🏡❤️

Amber B.

Verified Customer

August 8, 2026

5.0

Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing!

Ronald D.

Verified Customer

July 31, 2026

5.0

I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again on our retirement home. Thank you again!

David D.

Verified Customer

September 1, 2026

Fouad Z. rated Tyler Helm 5.0 stars: Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreciate his help and would definitely recommend him. Thank you, Tyler! Atif M. rated Cam Lewis 5.0 stars: Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation. Joe C. rated Stacey Smith 5.0 stars: Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce. Amber B. rated Karylle Wike 5.0 stars: I cannot say enough wonderful things about Karylle & her team and the entire experience we had. From the very beginning, they were incredibly patient, understanding, and thorough. They took the time to explain every step of the process in detail and always made sure we understood what was happening. What stood out the most was that they genuinely cared about us as people, not just as clients. They took the time to understand our family, our situation, and how important this home was to us. During what can be an incredibly stressful process, they were always reassuring, responsive, and willing to answer every question we had. We truly felt like we were more than just another loan application. They treated our family with kindness, respect, and genuine care, and that meant so much to us. I would 100% recommend them to anyone looking to purchase a home or refinance. If you want someone who is knowledgeable, patient, detailed, compassionate, and truly invested in helping you succeed, look no further. We are so grateful for everything they did to help our family get into our new home! 🏡❤️ Ronald D. rated Rick Fantucci 5.0 stars: Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing! David D. rated Leslie Bergen 5.0 stars: I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again on our retirement home. Thank you again!

Oklahoma Mortgage Refinance Rates

Current Oklahoma Home Refinance Rates

Get your personalized rate

Refinance Rates Trend in Oklahoma

What Affects Mortgage Refinance Rates in Oklahoma

Types of Refinances Available in Oklahoma

Refinancing With OHFA Down Payment Assistance

FHA and VA Refinance Options in Oklahoma

Conforming Loan Limits for an Oklahoma Refinance

Oklahoma Refinance FAQs

When Does Refinancing Make Sense in Oklahoma?

Do Oklahoma City or Tulsa Have Higher Conforming Loan Limits?

What Happens to OHFA Down Payment Assistance If I Refinance?

Can I Refinance a VA Loan in Oklahoma?

Find Out Why Oklahomans Love Lower

Lower Rates. Lower Stress. Free Refi for Life.

Ready to get your personalized rate?

Buy a Home.

Refinance.

Home Equity.