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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Oklahoma
  4. Oklahoma City
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Oklahoma City, OK

How much house can you afford in Oklahoma City? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Oklahoma City

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Brett Baldwin Mortgage Team - Revolution Mortgage OKC

Verified

Known for a streamlined application process often completed in under five minutes, the Brett Baldwin Mortgage Team at Revolution Mortgage offers personalized mortgage solutions including purchase, refinance, and specialty loans. Clients appreciate the team’s clear communication and thorough support throughout each step, making the home-buying experience easier to navigate.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(405) 925-0005
Open 8:00 AM - 8:00 PM
10400 Vineyard Blvd Ste H100, Oklahoma City, OK 73120
General Services
Mortgage Services
2

SWBC Mortgage Oklahoma City

Known for attentive communication and personalized service, SWBC Mortgage Oklahoma City helps clients navigate home loans with ease. The team offers mortgage brokerage services focused on securing competitive rates and smoothing the approval process. Customers appreciate their responsiveness and support throughout, though some note the process can still feel complex at times.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(405) 229-1559
Closed Now
6611 W Hefner Rd B, Oklahoma City, OK 73162
General Services
Mortgage Services
3

Gordon Chandler - Mortgage Loan Officer

Known for clear and consistent communication, this team keeps clients informed throughout the mortgage process. They assist with loan applications and work closely with buyers and agents to meet tight deadlines. Customers appreciate their responsiveness and patience, especially during complex or time-sensitive transactions.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(512) 797-1341
Closed Now
Gordon Chandler, 3121 Quail Springs Pkwy Ste 200, Oklahoma City, OK 73134
General Services
Mortgage Services
4

Fox Mortgage

Fox Mortgage focuses on guiding first-time homebuyers through a smooth and straightforward mortgage process. The team assists with mortgage lending and insurance options, aiming to make each step clear and manageable. Customers appreciate their knowledgeable, personable approach and the ease they bring to what can be a complex experience.

View Profile
(405) 358-4916
Closed Now
4801 Gaillardia Pkwy, Oklahoma City, OK 73142
5

Am Oak LLC | Mortgage Solutions

Am Oak Mortgage Solutions focuses exclusively on the Oklahoma market, offering a variety of mortgage products including VA, FHA, Jumbo, and Investor Loans. Clients appreciate the team’s clear communication and personalized guidance, though some note the process can take time as they carefully explore options to fit each borrower’s needs.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Options Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
View Profile
(405) 888-8020
Closed Now
2525 Northwest Expy Ste 534, Oklahoma City, OK 73112
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Local Lending Oklahoma

Known for combining a personal touch with advanced technology, Local Lending Oklahoma helps clients across the Oklahoma City region navigate home loans with ease. They offer a wide range of mortgage options, including purchase loans, refinancing, and specialized products for investors. Customers appreciate the team’s clear communication and steady support throughout the process.

View Profile
(405) 266-2267
Open 9:00 AM - 9:00 PM
28 NE 28th St, Oklahoma City, OK 73105
7

NexGen Home Loans Inc

NexGen Home Loans Inc specializes in handling both standard and complex mortgage situations with clear communication and personalized guidance. The team assists with home buying and refinancing, often helping clients navigate challenges like appraisal issues. Customers appreciate their responsiveness and the straightforward process they provide.

Services & Prices
Standard Mortgages Quoted per loan
Appraisal Services Quoted per loan
View Profile
(405) 724-4466
Closed Now
525 NW 13th St, Oklahoma City, OK 73103
General Services
Mortgage Services
8

Mosaic Mortgage

Mosaic Mortgage operates as an independent broker, giving clients access to multiple lenders to find competitive home loan options in the Oklahoma City area. They specialize in programs for first-time buyers, veterans, and renovation projects, with a straightforward process that many clients find professional and easy to navigate. Some note the pace can be quick, but the team’s clear… more...

Mosaic Mortgage operates as an independent broker, giving clients access to multiple lenders to find competitive home loan options in the Oklahoma City area. They specialize in programs for first-time buyers, veterans, and renovation projects, with a straightforward process that many clients find professional and easy to navigate. Some note the pace can be quick, but the team’s clear communication helps keep budgeting on track.

View Profile
(405) 215-9451
Closed Now
7248 N Classen Blvd, Oklahoma City, OK 73116
9

American Premier Mortgage

American Premier Mortgage works with a broad network of over 25 wholesale lenders to offer competitive rates and flexible loan options. They provide personalized mortgage services including home purchases, refinancing, and specialized loans like FHA and VA, with a focus on clear communication and fast processing. Customers appreciate their attentive support, though some find the process can still… more...

American Premier Mortgage works with a broad network of over 25 wholesale lenders to offer competitive rates and flexible loan options. They provide personalized mortgage services including home purchases, refinancing, and specialized loans like FHA and VA, with a focus on clear communication and fast processing. Customers appreciate their attentive support, though some find the process can still feel complex.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
VA Loan Quoted per loan
View Profile
(800) 406-8595
Closed Now
101 Park Ave suite 1300, Oklahoma City, OK 73102
General Services
Mortgage Financing
10

BlackRock Mortgage Company

BlackRock Mortgage Company is known for its attentive support, especially for first-time homebuyers navigating the process. The team helps clients explore loan options, secure competitive rates, and stays communicative throughout each step. Customers appreciate their professionalism and timely guidance, though some note initial contact may come after other lenders.

View Profile
(405) 849-6487
Closed Now
2601 Northwest Expy Suite# 104W, Oklahoma City, OK 73112

Oklahoma City Mortgage Statistics

Home-purchase lending in Oklahoma County and home costs in Oklahoma City, OK (latest HMDA and Census data)

Lenders made 9,783 home-purchase loans in Oklahoma County in 2025 (average about $290,000) and denied 1,275 — 12% of decided applications, compared with 18% across Oklahoma, according to federal mortgage data (HMDA, CFPB). In Oklahoma City, the median home is worth $231,300 and 61% of owners have a mortgage, paying a median $1,703 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
9,783▲ 1%9,675 in 2024
Denial rate
12%OK 18%
Median home value
$231,300OK $199,800
Monthly cost with a mortgage
$1,703median · OK $1,539
Refinance loans made (Oklahoma County, 2025)
4,264 · 3,267 in 2024
Home-improvement loans made (2025)
976
Average home-purchase loan
$290,000 (OK $260,000)
Owners with a mortgage
61% · 26% of them spend 30%+ of income on housing
Median household income
$68,656 (OK $65,039)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Oklahoma County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Oklahoma City Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Brett Baldwin Mortgage Team - Revolution Mortgage OKC 5.0 229 Quoted per loan (405) 925-0005 Visit
2 SWBC Mortgage Oklahoma City 5.0 581 Quoted per loan (405) 229-1559 Visit
3 Gordon Chandler - Mortgage Loan Officer 5.0 170 Quoted per loan (512) 797-1341 Visit
4 Fox Mortgage 5.0 143 — (405) 358-4916 Visit
5 Am Oak LLC | Mortgage Solutions 5.0 108 Quoted per loan (405) 888-8020 Visit
6 Local Lending Oklahoma 5.0 104 — (405) 266-2267 Visit
7 NexGen Home Loans Inc 5.0 103 Quoted per loan (405) 724-4466 Visit
8 Mosaic Mortgage 5.0 48 — (405) 215-9451 Visit
9 American Premier Mortgage 5.0 25 Quoted per loan (800) 406-8595 Visit
10 BlackRock Mortgage Company 5.0 11 — (405) 849-6487 Visit

How this Oklahoma City mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Oklahoma rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.78% of the home's value a year, the Oklahoma average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work?
The calculator estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and Oklahoma property tax.
What is the debt-to-income ratio for mortgages in Oklahoma?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA standards.
What is the minimum down payment for a house in Oklahoma City?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Oklahoma?
Private mortgage insurance (PMI) is required for down payments under 20% on conventional loans, costing about 0.6% of the loan annually.
How do interest rates impact mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do existing debts affect how much mortgage I can qualify for?
Existing debts reduce the amount you can borrow, as lenders consider total debt payments in the 43% debt-to-income ratio limit.
What are property taxes like in Oklahoma?
Property taxes in Oklahoma average about 0.78% of the home's value annually, impacting your monthly housing cost estimate.
What's the difference between pre-approval and pre-qualification?
Pre-approval verifies income, debts, and credit, giving a more accurate estimate than pre-qualification, which is a preliminary assessment.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage terms with lenders, but this calculator is independent of any broker services.
How much house can I afford on a 100k salary in Oklahoma City?
Use the calculator to estimate affordability based on your salary, debts, and other factors. Lenders typically allow housing costs up to 31% of income.

General information, not financial advice — consult a qualified professional.