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Interest Rates are accurate as of February 1, 2017 and are subject to change.  If you have any questions or require current rate information, please call 800.256.5626 or 918.610.0200.

 Mortgage Programs Minimum Down Payment  Interest Rate

(as low as)

 APR  Value Example payment  per $1,000
Retire Your Mortgage  
 Up to 60 months    2.24% 2.543%  80%   $17.53
 Up to 84 months    2.74% 2.962%  80% $12.99
 Up to 120 months    3.24%  3.400%  80% $9.66
First Time Homebuyer
 20 year fixed  0%  4.500%  4.611% 100%    $6.33
Tulsa Two Step
30 year multiple fixed rate  10% 3.000% 4.421% 90% $4.22
 Fixed Mortgages
 10 year fixed   5%  3.250% 3.449% 95%  $9.78
 15 year fixed   5% 3.375%  3.512%  95%  $7.09
 20 year fixed   5%  3.750%  3.858%  95%  $5.93
 30 year fixed   5%  4.000%  4.079%  95%  $4.78
 Adjustable Mortgages
 15 yr. adjustable   0% 3.500% 3.658% 100%  $7.15
30 yr. adjustable 10% 3.750% 3.840% 90% $4.64
 Second Mortgage/Home Equity
 5 yr. fixed 5.000% 5.142%  90% $18.88
 10 yr. fixed 5.500% 5.576% 90% $10.86
12 yr. fixed 6.250% 6.316% 90% $9.89
15 yr. fixed 6.500% 6.555% 90% $8.72
Unimproved Land
4 yr. platted (subdivision) 4.750% 5.677% 90% $22.92
4 yr. unplatted 80%
5 yr. platted (subdivision) 5.250% 6.008% 90% $18.99
5 yr. unplatted 80%
10 yr. platted (subdivision) 5.750% 6.157% 90% $10.98
10 yr. unplatted 80%
12 yr. platted (subdivision) 6.500% 6.853%  90% $10.03
12 yr. unplatted 80%
15 yr. platted (subdivision) 7.250% 7.551% 90% $9.14
15 yr. unplatted 80%

The displayed Annual Percentage Rate (APR) for “First Time Homebuyer”, “Two Step”, Fixed Mortgages”, and “Adjustable 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 displayed Annual Percentage Rate (APR) for “Retire Your Mortgage”, “Second Mortgage/Home Equity”, and “Unimproved Land” assumes a loan amount of $50,000.00 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 APR is calculated based on a loan to collateral value of 80% for fixed rate first position mortgage programs.

The rate may be based on creditworthiness and loan to value of the collateral. Rates provided are based on current market rates and are informational only. Rates on adjustable mortgages may increase after consummation. Rates on step mortgages will increase after consummation.

Example payments per $1000 are for stated term. Payment amounts are estimated and include only principal and interest amounts. Actual payments may be higher and may include taxes and insurance premiums, if applicable.

Primary residence and second home mortgages are available for first position mortgages. Second mortgages and home equity loans are available on primary residence properties only. Mortgages not available on rental property.

On adjustable mortgage with terms of 15 years or less the adjustments are every three years and are capped at 1% with a 4% total increase over the life of the loan.

On adjustable mortgage with terms of more than 15 years the adjustments are every three years and are capped at 1% with a 6% total increase over the life of the loan.

On step rate mortgages with an initial term of 30 years or less the interest rate will increase by 1% on the third and sixth year. The two adjustments with have a total increase over the life of the loan of 2%.