Oklahoma mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Oklahoma County | 7,531 | 6.375% | $5,852 | 6.25% |
| Tulsa County | 6,525 | 6.5% | $6,696 | 6.25% |
| Cleveland County | 2,949 | 6.5% | $6,017 | 6.25% |
| Canadian County | 2,946 | 6.375% | $6,661 | 6.125% |
| Wagoner County | 1,531 | 6.375% | $7,664 | 6.25% |
| Comanche County | 1,213 | 6.375% | $5,908 | 6% |
| Rogers County | 1,150 | 6.5% | $7,001 | 6.25% |
| Logan County | 854 | 6.5% | $6,105 | 6.25% |
| Creek County | 765 | 6.625% | $7,039 | 6.375% |
| Grady County | 762 | 6.5% | $6,390 | 6.25% |
| Pottawatomie County | 753 | 6.625% | $5,693 | 6.25% |
| McClain County | 707 | 6.375% | $6,935 | 6.125% |
| Payne County | 598 | 6.5% | $5,642 | 6.25% |
| Muskogee County | 546 | 6.49% | $6,534 | 6.312% |
| Garfield County | 536 | 6.5% | $5,355 | 6.25% |
| Washington County | 502 | 6.562% | $5,021 | 6.375% |
| Bryan County | 412 | 6.625% | $6,896 | 6.5% |
| Carter County | 412 | 6.625% | $5,620 | 6.25% |
| Osage County | 368 | 6.625% | $6,584 | 6.375% |
| Lincoln County | 356 | 6.625% | $5,688 | 6.375% |
| Mayes County | 353 | 6.5% | $6,608 | 6.375% |
| Cherokee County | 336 | 6.625% | $6,741 | 6.5% |
| Stephens County | 336 | 6.625% | $4,895 | 6.5% |
| Sequoyah County | 327 | 6.409% | $5,721 | 6.49% |
| Le Flore County | 326 | 6.433% | $6,233 | 6.25% |
| Pontotoc County | 321 | 6.625% | $5,735 | 6.5% |
| Okmulgee County | 316 | 6.625% | $7,218 | 6.375% |
| Pittsburg County | 306 | 6.625% | $5,874 | 6.5% |
| Kay County | 304 | 6.5% | $5,300 | 6.25% |
| Delaware County | 302 | 6.625% | $5,564 | 6.375% |
| Jackson County | 218 | 6.375% | $4,866 | 6.25% |
| Garvin County | 172 | 6.625% | $5,912 | 6.5% |
| Custer County | 172 | 6.625% | $5,253 | 6.625% |
| Ottawa County | 166 | 6.625% | $5,554 | 6.5% |
| McIntosh County | 159 | 6.75% | $5,901 | 6.25% |
| Pawnee County | 155 | 6.769% | $5,932 | 6.433% |
| Kingfisher County | 152 | 6.625% | $5,795 | 6.25% |
| Beckham County | 148 | 6.625% | $5,798 | 6.625% |
| Seminole County | 148 | 6.75% | $5,779 | 6.25% |
| Marshall County | 141 | 6.875% | $6,122 | 6.5% |
| Caddo County | 139 | 6.625% | $5,301 | 6.5% |
| Texas County | 130 | 6.25% | $8,390 | 6.25% |
| Woodward County | 128 | 6.49% | $5,317 | 6.5% |
| McCurtain County | 117 | 6.99% | $6,007 | 6.5% |
| Murray County | 114 | 6.625% | $5,901 | 6.5% |
| Adair County | 93 | 6.829% | $5,965 | 6.5% |
| Noble County | 75 | 6.54% | $6,126 | 6.25% |
| Craig County | 75 | 6.625% | $5,999 | 6.5% |
| Haskell County | 75 | 6.625% | $5,765 | 6.625% |
| Washita County | 71 | 6.875% | $5,423 | 6.25% |
| Atoka County | 69 | 7.25% | $6,302 | 6.562% |
| Love County | 68 | 6.75% | $6,167 | 6.75% |
| Okfuskee County | 68 | 6.933% | $5,034 | 6.75% |
| Latimer County | 59 | 6.75% | $5,694 | 6.125% |
| Hughes County | 57 | 6.75% | $5,540 | 6.438% |
| Choctaw County | 54 | 7.125% | $6,012 | 6.562% |
| Blaine County | 54 | 6.75% | $4,975 | 6.375% |
| Nowata County | 54 | 6.75% | $6,599 | 6.375% |
| Kiowa County | 50 | 6.875% | $4,809 | 6.75% |
| Johnston County | 50 | 6.99% | $4,618 | 6.375% |
| Pushmataha County | 49 | 6.75% | $5,741 | 6.625% |
| Cotton County | 43 | 6.438% | $5,093 | 6.688% |
| Woods County | 39 | 6.5% | $4,763 | 6.625% |
| Major County | 39 | 6.5% | $4,965 | 6.562% |
| Jefferson County | 34 | 6.99% | $4,946 | 6.25% |
| Grant County | 31 | 6.812% | $5,666 | 6.5% |
| Coal County | 28 | 7.125% | $5,710 | 6.375% |
| Greer County | 26 | 6.574% | $4,719 | 6.562% |
| Beaver County | 24 | 6.558% | $6,389 | n/a |
| Tillman County | 22 | 6.75% | $4,853 | 6.438% |
| Alfalfa County | 20 | 6.625% | $4,816 | n/a |
| Ellis County | 15 | 6.625% | $4,049 | n/a |
| Dewey County | 13 | 6.5% | $4,700 | 5.848% |
| Roger Mills County | 11 | 6.99% | $7,002 | n/a |
| Harmon County | 9 | 6.99% | $4,479 | n/a |
| Harper County | 8 | 6.688% | $4,595 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.