Herring Bank – Local OKC Mortgage Lender

Looking to buy a home in Oklahoma City? Herring Bank is your local lender with competitive rates, streamlined in-house underwriting, and quick closings. As approved VA and FHA lenders, we offer personalized service to guide you through the home loan process.

  • FHA, VA, & Jumbo Loans
  • Direct Mortgage Lender
  • In-House Underwriting
  • Low Rates & Low Fees
  • Free Good Faith Estimate
  • OKC Customer Service!
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans OK Mortgage Company

Local Oklahoma City, OK Mortgage Company

Oklahoma City Mortgage Company

Welcome to Herring Bank, your direct mortgage lender in Oklahoma City, OK. With competitive rates and fast loan closings, we make the home financing process smooth and efficient. Our technology-driven platform allows you to easily complete your application, sync bank accounts, upload documents, and receive full loan approval—all securely online.

Since 2009, we’ve been committed to building lifelong relationships by providing reliable mortgage services. Whether you’re buying a new home or looking to refinance, Herring Bank is here to guide you every step of the way.

Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans OKC Home Loans

Thinking about buying a home or refinancing your mortgage in Oklahoma City? Herring Bank is your local expert, offering a wide range of loan options to meet your needs. Whether you’re looking for FHA, VA, or USDA loans, our team provides personalized support to ensure you get the right mortgage for your financial situation. From new home purchases to refinancing, we’re here to guide you every step of the way.

Why Choose Herring Bank?

  • Direct Mortgage Lender: Local underwriting and fast loan closings for quick approvals.
  • No-Obligation Loan Estimates: Clear, upfront information about your loan options.
  • Local Oklahoma City Service: Friendly, responsive customer support you can rely on.

At Herring Bank, our motto is “relationships for a lifetime.” We’re committed to providing competitive rates, efficient service, and a seamless mortgage process. By combining modern technology with a client-first approach, we make it easy to apply, upload documents, and track your loan status online. Our dedication to long-term relationships has earned us the trust of borrowers across Oklahoma.

Whether you need financing in Oklahoma City or beyond, discover why so many choose Herring Bank as their preferred mortgage lender. Let us help make your homeownership dreams a reality!

Discover Home Loan Options

Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Oklahoma Mortgage Loans

Oklahoma City New Home Loans

Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Conventional Loans

Oklahoma City Conventional Mortgage

Conventional loans offer lower rates and lower mortgage insurance, only 5% down and flexible terms:

  • 30, 20 and 15-Year terms
  • Ultra low rates with great credit
  • Primary home, secondary, investment
  • Up to 95% Financing
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans FHA Loans OKC

Oklahoma City FHA Home Loans

FHA home loans are an excellent choice for first-time home buyers in Oklahoma City, but you don’t need to be a first-time buyer to qualify:

  • Only 3.5% Down Payment
  • Easier Credit Qualifying
  • 203k Renovation Loans
  • Great for 1st Time Home Buyers
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans VA Loans

Oklahoma City VA Loans

As an approved VA lender in Oklahoma City, Herring Bank offers specialized home loan services for veterans:

  • Zero Down, 100% Financing
  • No Monthly PMI
  • No Debt-to-Income Restrictions
  • VA Jumbo Loans with Down Payment Options
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans USDA Loans

USDA Home Loans

USDA loans for rural properties in Oklahoma City and surrounding areas offer a range of benefits, including 100% financing for qualified buyers:

  • 100% Financing for Rural Properties
  • Primary Residence Only
  • Option to Roll Closing Costs into the Loan
  • Low Interest Rates
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Refinance my mortgage in OKC

Mortgage Refinance

Herring Bank provides streamlined refinancing services in Oklahoma City for fast approvals and a hassle-free experience:

  • Reduce Monthly Payments
  • Shorten Your Mortgage Term
  • FHA Streamline Refinance
  • VA IRRRL Streamline Refinance

OKC, OK Mortgage Experts

Close on Time

Our commitment is to close every loan in 28 days or less. With in-house underwriting, processing, and closing, we ensure quick approvals and timely funding, making your mortgage process smooth and efficient.

Low Rates & Fees

As a trusted mortgage lender in Oklahoma City, we offer competitive rates, low fees, and fast closings. We are an approved FHA, VA, and USDA lender, providing a wide range of loan options to suit your needs.

Customer Service

Known for exceptional customer service, Herring Bank prioritizes client needs, delivering a seamless, stress-free experience from start to finish. Let us guide you through every step of the mortgage journey in Oklahoma City.

Meet our Mortgage Team

Our Home loan experts will guide you through every step of the process, from pre-approval to closing.

Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Chris Godwin
Chris GodwinResidential Mortgage Loan Manager, VP
NMLS# 1481887
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Gaye Crump
Gaye CrumpSr. Mortgage Loan Originator
NMLS# 793614
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Rex Dobrinski
Rex DobrinskiSenior Loan Originator
NMLS# 620952

Herring Bank – Oklahoma City, OK Mortgage Lender

Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans
Oklahoma City Mortgage Lender | Home Loans - FHA & VA Loans Oklahoma City, OK Home Loans

Planning to buy a new home or refinance in Oklahoma City? Herring Bank, your trusted local lender, offers a variety of mortgage products, including FHA, VA, USDA, Jumbo, and conventional home loans. We tailor our loan options to suit your specific financial needs, ensuring you get the best fit for your situation. With local underwriters right here in Oklahoma City, we provide fast approvals and make sure your loan closes on time.

At Herring Bank, we know that every borrower is unique, so we take a personalized approach to every loan. Whether you’re a first-time homebuyer, an experienced homeowner, or looking to refinance for better terms, our knowledgeable team is here to guide you every step of the way. Expect a smooth, transparent, and stress-free mortgage experience from start to finish.

Thinking of buying a new home in Oklahoma? No matter where you are, our Oklahoma home loan experts are ready to assist. As a direct mortgage lender, we can close loans across the entire state. Enjoy low rates, low fees, and exceptional customer service from your trusted local Oklahoma mortgage lender.

Oklahoma Lending Areas

Oklahoma City, Tulsa, Norman, Broken Arrow, Edmond, Lawton, Moore, Midwest City, Enid, Stillwater, Owasso, Bartlesville, Muskogee, Shawnee, Bixby, Jenks, Yukon, Ardmore, Mustang, Ponca City, Duncan, Sapulpa, Del City, Durant, Claremore, Bethany, Sand Springs, El Reno, Altus, McAlester, Tahlequah, Chickasha, Ada, Newcastle, Glenpool, Miami, Choctaw, Guymon, Weatherford, Woodward, Guthrie, Okmulgee, Elk City, Coweta, Warr Acres, Blanchard, Collinsville, Pryor Creek.

2024 Oklahoma City, OK Real Estate

The real estate market in Oklahoma City offers a stable and affordable environment for buyers. As of late 2024, the median home price is around $260K, with properties ranging widely across different neighborhoods. The market has seen a modest increase in prices this year, showing consistent demand. With over 2,000 homes for sale, buyers have a variety of options, from historic homes to modern new-builds, and the average time on the market is approximately 31 days​.

Looking to Buy a New Home in Oklahoma City?

Herring Bank specializes in new home purchases and refinancing. As a direct lender, we can close loans quickly, often within 28 days. Whether you’re interested in FHA, VA, USDA, or conventional loans, we have a range of options to fit your needs. Our local underwriting team ensures fast approvals, making your home-buying journey smoother and more efficient. Contact us today or apply online, and let us help you find the perfect mortgage solution in Oklahoma City!