What people paid for mortgages in Garfield County, OK (2025)
Across 536 closed home-purchase loans in 2025, the median interest rate in Garfield was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $5,355 on a median loan of $175,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $5,355
- Median loan amount
- $175,000
536 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.91%
- Median total loan costs
- $6,233
- Median loan amount
- $195,000
136 loans, 2025.
Lowest median rates in Garfield (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.FINANCIAL CONCEPTS MORTGAGE, LLC6.25%61 loans, median costs n/a
- 2.Gateway First Bank6.5%117 loans, median costs $5,159
- 3.Great Plains National Bank6.5%69 loans, median costs $6,259
- 4.BOKF, National Association6.625%34 loans, median costs $5,114
Among lenders with at least 30 closed purchase loans in Garfield County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.562%10 loans, median costs $6,629
- 2.FREEDOM MORTGAGE CORPORATION5.875%10 loans, median costs $6,355
- 3.Rocket Mortgage, LLC5.99%19 loans, median costs $7,956
Among lenders with at least 10 closed refinance loans in Garfield County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Garfield
Every lender that closed at least 5 qualifying loans in Garfield County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Gateway First Bank | 117 | 6.5% | $5,159 | $2,156 | $775 |
| 2 | Great Plains National Bank | 69 | 6.5% | $6,259 | $1,779 | $800 |
| 3 | FINANCIAL CONCEPTS MORTGAGE, LLC | 61 | 6.25% | n/a | n/a | n/a |
| 4 | BOKF, National Association | 34 | 6.625% | $5,114 | $1,684 | $196 |
| 5 | Mortgage Research Center, LLC | 29 | 6.25% | $2,979 | $0 | $816 |
| 6 | Rocket Mortgage, LLC | 20 | 6.75% | $6,794 | $3,521 | $2,918 |
| 7 | The Security National Bank of Enid | 18 | n/a | n/a | n/a | n/a |
| 8 | NBKC BANK | 11 | 6.125% | $5,993 | $0 | $853 |
| 9 | BancFirst | 10 | 6.688% | $5,256 | $1,280 | $744 |
| 10 | Navy Federal Credit Union | 9 | 6.25% | $4,590 | $0 | $2,489 |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 9 | 6.424% | $6,747 | $2,062 | $1,276 |
| 12 | USAA Federal Savings Bank | 9 | 6.125% | $9,256 | $1,801 | $4,828 |
| 13 | Luminate Bank | 8 | 6.808% | $6,035 | $2,562 | $1,129 |
| 14 | The Bank of Kremlin | 6 | n/a | n/a | n/a | n/a |
| 15 | Waterstone Mortgage Corporation | 6 | 6.312% | $14,785 | $3,833 | $2,314 |
| 16 | Stride Bank, National Association | 6 | 6.5% | $4,743 | $1,753 | $641 |
| 17 | TINKER FEDERAL CREDIT UNION | 6 | 6.062% | $3,575 | $600 | $380 |
| 18 | Farm Credit Mid-America | 5 | 7.125% | $10,584 | $7,705 | n/a |
| 19 | First United Bank and Trust Company | 5 | 6.875% | $5,035 | $1,810 | $675 |
| 20 | 21st Mortgage Corporation | 5 | 8.8% | $8,431 | $4,500 | n/a |
| 21 | PENNYMAC LOAN SERVICES, LLC | 5 | 5.75% | $2,537 | $704 | $1,886 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Garfield figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Garfield County in 2025?
The median interest rate on closed home-purchase loans in Garfield County, Oklahoma in 2025 was 6.5%, across 536 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.