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Looking for a fha loan specialist in Ponca City? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Ponca City, OK
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Oklahoma before hiring.
Showing 20 fha loan specialists in Ponca City, OK
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Check Into Cash
3000 N 14th St Ste A, Ponca City, OK 74601
5807671872
World Finance
409 N 14th St, Ponca City, OK 74601
5807650734
Sun Loan Company
1806 N 5th St Space 8A, Ponca City, OK 74604
5807626370
Western-Shamrock Finance
212 E Central Ave, Ponca City, OK 74601
5807628833
Check `n Go
900 E Prospect Ave STE 1000, Ponca City, OK 74601
5807623138
Red River Credit Corporation
2412 N 14th St Suite A, Ponca City, OK 74601
5807650176
Security Finance
101 Grand Ave E, Ponca City, OK 74601
5807652801
Flat Branch Home Loans
501A N 14th St, Ponca City, OK 74601
5803827354
Sure Finance
418 W Grand Ave, Ponca City, OK 74601
5807624265
Cherokee Strip Credit Union
1508 E Prospect Ave, Ponca City, OK 74604
5807184000
Yes Finance Co
200 E Central Ave, Ponca City, OK 74601
5807650665
Win-Co Finance
416 W Grand Ave, Ponca City, OK 74601
5807671200
Ardmore Finance Corp.
106 N 1st St, Ponca City, OK 74601
5807656700
Reed Finance Company
727 N 14th St, Ponca City, OK 74601
5807615048
Edward Jones - Financial Advisor: Judy R Eckholt, CEPA®
704 Legacy Trl Suite A, Ponca City, OK 74604
5807650047
Ponca Finance
202 E Central Ave, Ponca City, OK 74601
5807621261
Mercer Advisors - Ponca City
412 S 14th St, Ponca City, OK 74601
5807621121
Local Finance
123 Grand Ave E, Ponca City, OK 74601
5807651600
Home Finance Inc
100 N 2nd St, Ponca City, OK 74601
5807652100
Express Mortgage Inc
525 Monument Rd, Ponca City, OK 74604
5807620400
FHA loan specialists in Ponca City, Oklahoma help borrowers navigate Federal Housing Administration loans, which are popular for first-time homebuyers and those with lower credit scores. Oklahoma law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand Ponca Citys housing market and can guide you through FHA appraisal and underwriting requirements specific to Kay County.
What Does a FHA Loan Specialist in Ponca City Cost?
Typical costs for an FHA loan specialist in Oklahoma include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium of 1.75% of the base loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Third-party costs like appraisal and credit report fees add $500 to $1,000. These costs vary by lender and borrower situation. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What credit score is needed for an FHA loan in Ponca City?
Most FHA loans require a minimum credit score of 580 to qualify for a 3.5% down payment. Borrowers with scores between 500 and 579 may still qualify but need a 10% down payment. Individual lenders in Oklahoma may have their own overlays.
Are there Oklahoma-specific limits for FHA loan amounts in Ponca City?
Yes, FHA loan limits vary by county. For Kay County in 2024, the standard FHA loan limit for a single-family home is $498,257. Higher limits apply for multi-unit properties. These limits are set by the U.S. Department of Housing and Urban Development.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Oklahoma.