Helpful Hints when filling out a mortgage application.

  • Please review and save your information before moving forward.
  • Add any co-borrower by clicking the “add co-borrower” tab under borrower information.
  • You will need to include your payment method when obtaining your credit report.
  • Please upload your financial backup documentation before submitting your application.
  • After submitting your application, any additional backup documentation may be faxed to 918-610-2823. The upload documents feature is not available after submitting your application.
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Interest Rates are accurate as of March 30, 2015 and are subject to change.  If you have any questions or require current rate information, please call 800.256.5626 or 918.610.0200

Loan Program
 Min Down Pymt
Rate
 APR
 Loan To Value
 Example6 pymt per $1000
 Retire Your Mortgage Loan          
 Up to 60 months    1.99% 2.226%  80%   $17.53
 Up to 84 months    2.49% 2.662%  80% $12.99
 Up to 120 months    2.99%  3.114%  80% $9.66
First Time Homebuyer
 20 year fixed1  0% down pymt.  4.00%  4.069% 100%    $6.07
 Fixed Mortgages
 10 year fixed   5% down pymt.  2.875% 2.999% 95%  $9.60
 15 year fixed1,7   5% down pymt. 3.000%  3.086%  95%  $6.91
 20 year fixed1,7   5% down pymt.  3.375%  3.442%  95%  $5.74
 30 year fixed1,7   5% down pymt.  3.750%  3.799%  95%  $4.64
 Adjustable Mortgages
 15 yr. adjustable1,2   0% down pymt.  3.000% 3.103% 100%  $6.91
30 yr. adjustable1,3 10% down pymt. 3.250% 3.308% 90% $4.36
Tulsa Two Step  
 2 step 30 yr adjust.1,4 10% down pymt. 2.750%   4.148% 90% $4.09
 Second Mtg/Home Equity:
 5 yr. fixed5 5.000% 5.000% $18.88
 10 yr. fixed5 5.500% 5.500% $10.86
12 yr. fixed5 6.250% 6.250% $9.89
15 yr. fixed5 6.500% 6.500% $8.72
Unimproved Land
 4 yr. 4.750% 5.020% P 90%/ UnP 80% $22.92
 5 yr. 5.250% 5.496% P 90%/ UnP 80% $18.99
 10 yr. 5.750% 5.881% P 90%/ UnP 80% $10.98
 12 yr. 6.500% 6.614% P 90%/ UnP 80% $10.03
15 yr. 7.250% 7.346% P 90%/ UnP 80% $9.14

The displayed Annual Percentage Rate (APR) for the first mortgages assumes a loan amount of $150,000.00 and reflects the interest rate, approximate cost of prepaid finance charges and any origination charge if applicable, but does not include other closing costs. The Rate and APR will be based on your individual credit history.

Available for primary residence and second homes/No rental property.  Rental property is not eligible.

Caps are 1% every 3 years and 4% maximum increase from intial rate.

3 Caps are 1% every 3 years and 6% maximum increase from initial rate.

4  At year 3 the rate will adjust 1%.  At year 6 the rate will adjust  1%.   Two adjustments and a 2% increase from intial rate.

5 Second mortgages available for primary residence only.

6These payments do not include taxes or insurance premiums.  The actual payments will be higher; and rates are informational only.  Payments are estimated and include only principal and interest.  Example payment per $1000 assumes loan is for the stated term.

7APR calculated and based on a 20% down payment.