Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

Headshot of Patrick Chicklinski, a financial expert, for Preferred Rate website and marketing materi.
Professional portrait of Patrick Chicklinski, emphasizing trust and expertise in financial services for Preferred Rate.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #469258

Patrick Chicklinski

Division Sales Manager

With 23 years of experience in the mortgage industry, Patrick Chicklinski is passionate about helping clients achieve their homeownership goals. Known for his honesty, clear communication, and personalized guidance, Patrick makes the mortgage process smooth and stress-free from start to finish.
Based in Tulsa, he takes pride in serving his community and building lasting relationships with clients. Whether you’re a first-time homebuyer, refinancing, or purchasing your dream home, Patrick is committed to finding the right solution for your needs.

Licensed in:

OK

Why work with me?

5.0/5 Rating

9 reviews

Real clients. Real results.

Four years ago I had the wonderful experience of working with Patrick closing my first home loan. I am even more excited to say Patrick just helped my husband and I close on our dream home! You will not find someone more accessible or hard working. He consistently goes above and beyond to make sure you are take care of! From the loan pre approval and all the way to closing day. He has been the real MVP of our home buying experience. Read the reviews and go with the best! Having Patrick on your team is gold for making your dreams come true! You will not be disappointed. Thank you Patrick for always being on our team!

Amanda K

I canceled the first two home mortgage companies I called for reasons of not answering my phone calls and having a minimum of 45 day closing and high rates. Then I called Patrick and he was always available, had the lowest rates and could close in 30 days or less if needed. I don’t give very many 5 star reviews out but Patrick definitely deserves one.

Brian T

Patrick is great to work with he is dedicated to help.

Carlos

I don’t usually make reviews but this guy deserves a raving review. A little back drop went through a divorce. Wasn’t sure what purchasing power I had for a house. I have two little babies and myself and we needed a home to call our forever home. I called Patrick as for he has handled majority of our loans in the past with my ex & I. Doing one on my own for the first time; to put a little perspective on it was a little nerve wrecking. Patrick told me to just go find what I wanted and gave me a round about dollar amount. It took 3 homes to finally find the one I wanted. I sent him the details and I had the clear to close very quickly after sending him all docs. Patrick made this process so easy and every step of the buying process and answered all my 100’s of questions I asked him over the duration of time until the time of close. I highly recommended Patrick to anyone especially anyone purchasing a home and wants a lender who will answer any question and help you through every step of the process. I am very pleased and happy and very thankful for him helping me!

Fallon P

Patrick was great in assisting me with my home loan options.

Abby N

Patrick made the home buying process easy and it was so quick

Kelsey T

We started working with Patrick in April of 2024. He helped guied me and my S/O on what we needed to do to credit to get approved for a loan. Once we got that score up, he was amazing getting us started and heling us understand the process through the whole thing. I started to wonder if the guy ever slept. 😆 even once we signed last day of the year, he has been around to keep answering our questions. Patrick and his team are amazing people and I look forward to working with them again when we make the move out to the country from our current little starter home. Ps.. we were dealing with a lease to own purchase- and this team did not miss a beat.....definitely would recommend!!!!

Laura W

Patrick is great, he assisted me in getting my new house. I highly recommend him to friends and family.

Arie L

I recently had the pleasure of working with Patrick Chicklinski at Tulsa Mortgage Group for the first time, and I couldn't be more impressed. From start to finish, the transaction was incredibly smooth. Patrick was professional, responsive, and made the entire process effortless. His attention to detail and clear communication made everything run seamlessly. I look forward to working with him again in the future and highly recommend him to anyone in need of mortgage services!"

Robert L

Loan Programs

Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

Featured

Refinance Loan
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
Happy couple discussing FHA loan options at home.
FHA Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
Preferred Rate logo with financial graph and rate drop notification.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

$400,000

$50k $2M+

Customize taxes, insurance & HOA

Not required (Down payment ≥ 20%)
Estimated Monthly Payment

$0

Principal & Interest Mortgge Loan
$0
Property Tax Estimated
$0
Home Insurance Estimated
$0
HOA & PMI Fees
$0
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Frequently asked
questions

With short and easy to understand answers.

Couldn’t find your answer?

[email protected]

Couldn’t find your answer?

[email protected]

Home Loan Guides
& Checklists

View all

Ready to take the
next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

  • Competitive rates
  • Expert support
  • Easy process