Oklahoma City, OK Mortgage Rates
Live Mortgage Rates in Oklahoma City, Oklahoma
6.490%
Oklahoma City Conventional Purchase benchmark (80% LTV, 780 FICO), updated Friday, November 6, 2026 at 2:31 PM UTC
Sourced live from hundreds of wholesale lenders serving Oklahoma City and Oklahoma
Oklahoma City Benchmark Rates
Lowest available rate with no discount points paid in Oklahoma City, OK for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Oklahoma City, OK | 6.490% | 6.530% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Oklahoma City, OK | 5.875% | 5.905% |
VA VA Purchase (100% LTV, 680 FICO) · Oklahoma City, OK | 5.875% | 5.900% |
2026 Loan Limits in Oklahoma
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Oklahoma counties.
About Oklahoma City Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Oklahoma City, Oklahoma homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Oklahoma and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Oklahoma City property.
Your specific Oklahoma City rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Oklahoma lender network, use the Rate Direct pricer.
Oklahoma City buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Oklahoma, see the Oklahoma DPA guide.
Get your personalized Oklahoma City mortgage rate
The rates above are the market benchmark for Oklahoma City. Your actual rate depends on your scenario.