Okla. Stat. tit. 14A, § 14A-3-105: Definition: "Loan primarily secured by an interest in

land".

Unless the loan is made subject to this act by agreement

(Section 3-601), and except as provided with respect to disclosure

(Section 3-301) and debtors' remedies (Section 5-201), "consumer

loan" does not include a "loan primarily secured by an interest in

land", if at the time the loan is made the value of this collateral

is substantial in relation to the amount of the loan, and the loan

finance charge does not exceed thirteen percent (13%) per year

calculated according to the actuarial method on the unpaid balances

of the principal on the assumption that the debt will be paid

according to the agreed terms and will not be paid before the end of

the agreed term.