Today's Mortgage Rates
Rates for Buying, Building, or Accessing Home Equity
Real estate loan rates change throughout the day. Click or tap on any rate or APR to view assumptions and payment details.
Here are today’s home loan, land loan, and home equity loan rates in Oklahoma. Select any rate or APR for the assumptions and payment details behind it.
| Product | Rate | Points | APR* |
|---|---|---|---|
| Conventional 30 Year Fixed | 7.125% | 0.000% | 7.269% |
| Conventional 15 Year Fixed | 6.500% | 0.000% | 6.729% |
| FHA 30 Year Fixed | 6.875% | 0.000% | 7.714% |
| USDA 30 Year Fixed | 6.875% | 0.000% | 7.441% |
| VA 30 Year Fixed | 6.875% | 0.000% | 7.196% |
| Land 15 Year Fixed | 7.250% | 0.000% | 7.394% |
| Home Equity 15 Year Fixed | 5.625% | 0.000% | 5.990% |
Rates as of September 15, 2026 10:02AM CDT. Select a rate or APR for assumptions and payment details.
How to Read Today's Rates
Rate vs. APR
The rate prices your loan; the APR folds in the costs of getting it. Comparing lenders? Compare APRs, because a low rate with high fees can cost more than a higher rate without them.
Points and Rate Locks
Points prepay interest to buy a lower rate, which can be worthwhile depending on rate conditions and how long you intend to keep your loan. A rate lock freezes your pricing while you shop.
What Makes Mortgage Spot Rates Competitive
Communication Federal Credit Union is not-for-profit and member-owned, so margins go back into pricing and service instead of shareholders. That’s the reason the numbers above tend to compare well.
Rate Questions
Quick answers to the rate questions Oklahoma borrowers ask most.
How often are these rates updated?
Rates shown are updated throughout the day, automatically. The “as of” timestamp under the table shows the last time rates refreshed.
What's the difference between rate and APR?
The rate prices your loan; the APR adds the costs of getting it. When comparing lenders, compare APRs.
What are points?
Points are prepaid interest that buys a lower rate. Whether they’re worth it depends on how long you’ll keep the loan.
What determines the rate I actually get?
Your credit, down payment, loan term, and program – plus the market. The rates shown are as-low-as; select any rate for its assumptions.
Why don't I see my loan type here?
If a specific real estate loan program isn’t listed, please contact us for more information.
Are these rates a guarantee or offer?
No. They are today’s as-low-as pricing for illustration. Your actual rate, APR, and points are determined at application. All offers subject to credit union approval.
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