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The right mortgage for your budget.

Mortgages For Many Home Types

Use an Allegiance Mortgage for your primary home, second home, vacation home, or even an investment property. We offer conventional, FHA and VA loans.
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Low Affordable Mortgage Rates

No matter which type of home you’re financing you’ll get our amazing low rates with terms that fit your budget.
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Your Local Mortgage Lender

Our loan advisors have a working knowledge of the local real estate market and loan decisions are made at ACU!
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Mortgage options are available for everyone so you can make this new kitchen island with barstools a reality.

A Mortgage For Your Primary, Secondary, or Investment Home

Whatever your reason for making a real estate purchase, our Mortgage options will fit your needs. With conventional, FHA and VA loan options, you're bound to find what you need.
Talk to a mortgage representative like this woman in a white sweater to ask about our mortgage rates.

Fixed Rate And Adjustable Rate Mortgages

We offer both fixed and adjustable rate mortgages so you can choose the option that makes the most sense for you, your family, and your budget.
A mortgage for you and your dream home like this white grey and red home is possible.

Purchase a New Home or Refinance with a Mortgage from Allegiance

Whether you’re looking to buy your first home or refinance the home you already have, our Mortgages offer low rates, great terms, and budget-friendly payments!
Complete Home Buying Checklist

Claim your FREE copy!

Free home buying guide and things to look out for.

This E-book contains:

  • How Much House Can I Afford?
  • What Loan is Right for You?
  • Getting Pre-Qualified or Pre-Approved is a MUST
  • The Final Walk-through and Closing
  • Mistakes to Avoid
  • And Much More!

VA Loans are available for service members like this mom and daughter.

VA Loans Available

VA loans are backed by the Department of Veterans Affairs and offer exclusive mortgage benefits to eligible service members, veterans and their spouses.

Allegiance would like to sincerely thank all military families for your service and sacrifices.

  • No Down Payment Necessary
  • No Private Mortgage Insurance (PMI)
  • Terms Tailored To Meet Your Needs
  • Save At Least $750 With HOMES FOR HEROES

Homes For Heroes!

Through Homes for Heroes eligible homebuyers can often save at least $750 when they buy or refinance a home with Allegiance Credit Union.

Heroes who qualify include:
Active Military
Medical Professionals
Law Enforcement

Read more +

How it works: Allegiance will apply $750 towards closing costs on home purchase loans for qualifying members. Additional savings may be available from other participating partners through Homes for Heroes. Click here to learn more and apply.

If you believe you may qualify for this program, let the Allegiance Mortgage Specialist you’re working with know.



Mortgage collage of essential workers.
A mortgage through Allegiance is easy for this couple sitting on kitchen floor smiling.

Mortgage Rates


*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.

Mortgage Rates
Mortgage Type
APR* (as low as)
Max LTV**
Mortgage Type
First Mortgage
5, 10, 15 years
30 years - call for rates
APR* (as low as)
Max LTV**
Mortgage Type
Second Mortgage
5, 10, 15 years
APR* (as low as)
Max LTV**
Effective April 29, 2022

*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.


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Payment Calculator

Mortgage Calculator

With Allegiance's Mortgage Loan you can rest easy knowing that our team will take you through the process. Use this handy calculator to see how much house you can afford. Your actual payment will be provided upon approval and acceptance of the loan.

We know that the home buying process is complicated, but we are by your side every step of the way!

Allegiance has a team of mortgage experts that are ready to help you navigate the housing market, solidify your mortgage plan, and make sure you find the best home for you and your budget!

Important Mortgage Resources

Manage My Home Loan

Access your loan balance, payment options, and other account information — all from the comfort of home with Manage My Home Loan.

Register or log in to Manage My Home Loan today!

Mortgage research is important as shown by this woman at laptop with coffee.

Employee Name and NMLS Identifier

Dougherty, Leasa 488310

Vera, Sandy 1876016

Goines, Micheala 1663406

Hughes, Ron 1047692

Willis, Nichole 1443652

Mortgage Loan Officer Team Picture

The SAFE Act

Allegiance mortgage loan originators are registered and in compliance with the Secure and Fair Enforcement of Mortgage Licensing Act (SAFE Act). One purpose of the SAFE Act is to increase consumer protection by allowing consumers access to mortgage loan originator information with whom they wish to conduct business. You may access information at the nationwide mortgage-licensing registry.

Affordable mortgage rates with Allegiance can be found online like this man looking at his tablet.

Important Forms

The following forms may be needed during the mortgage process:

ACH Form
Insurance Claims Information Sheet
Subordination Request Checklist

Mortgage paperwork made easy shown by man signing form.

Error Resolution

All requests must be in writing on a separate piece of paper and submitted to:
Allegiance Credit Union
Attn: Mortgage Servicing
4235 N Meridian Ave
Oklahoma City OK 73112

For Error Resolution include: your name, mortgage or account number and error. For Mortgage service information requests include: your name, mortgage or account number and request details.

Mortgage paperwork done right shown by man signing paperwork.

What is Equal Housing Opportunity

There are laws in place that prevent discrimination during the home selling, buying, and financing process on the basis of race, color, religion, sex, handicap, familial status, or national origin.

Allegiance is an EHO Lender.


A mortgage can your dream of a home with a spiral staircase a reality.

Mortgage - FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

VA Loans require 0% down, while Conventional Loans require 5%. You can ask a Mortgage Loan Officer about down payment assistance options.

Allegiance Credit Union is proud to offer FHA loans. They allow borrowers to finance homes with down payments as low as 3.5% and are especially popular with first-time homebuyers. One of our Mortgage Loan Officers would be happy to speak to you about down payment assistance options as well.

There are many factors that are considered when it comes to getting approved, but generally speaking, it’s best to have a FICO score over 640. Please call 405-717-9919 for more information on qualification requirements.

It’s not required to use a realtor when purchasing a home, but definitely recommended!

Yes, you can make extra principal only payments on your loan as frequently as you like. Loan must be current to apply extra principal payments.

Mortgage calculator can help you save money.
Free Mortgage Calculators

Use our mortgage calculators to see how affordable a home can be!