Average Loan Estimate Fees in Oklahoma (2024)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
Oklahoma Average
$4,285
Total lender & third-party fees
National Average
$6,300
Oklahoma is 32% below the national average
Fee-by-Fee Breakdown (2024)
| Fee Type | Oklahoma | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,380 | $1,785 | Yes |
| Underwriting Fee | $710 | $815 | Yes |
| Processing Fee | $365 | $610 | Yes |
| Application Fee | $150 | $255 | Yes |
| Rate Lock Fee | $180 | $305 | Yes |
| Appraisal Fee | $305 | $510 | No |
| Title Insurance | $685 | $1,275 | No |
| Settlement Fee | $370 | $510 | Yes |
| Document Prep Fee | $120 | $205 | Yes |
| Flood Certification | $20 | $30 | No |
| Total | $4,285 | $6,300 |
Mortgage Closing Costs in Oklahoma
In 2024, borrowers in Oklahoma can expect total loan estimate fees of approximately $4,285 on average — 32% lower than the national average of $6,300. The lower costs in Oklahoma reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Data Note
Fee benchmarks reflect 2024 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
Loan Estimate Analyzer
Want a full analysis of all your Loan Estimate fees?
FairRate analyzes every fee on your Loan Estimate and tells you which ones to negotiate — no lender affiliation, no lead generation. Just data.
Analyze My Loan Estimate — $29See a sample report →