Safe Rate Rankings

Best FHA Mortgage Lenders in Tulsa

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders100

Total Loans11,045

Median Rate Spread0.35%

Tulsa Market Insights

Associated Mortgage is Safe Rate's top-ranked FHA lender in Tulsa, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Tulsa, Pennymac Loan Services and Firstar Bank scores highest on FHA pricing while Firstar Bank and Lendlo Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Tulsa, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Tulsa: Rocket Mortgage (#7) and Associated Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Tulsa

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ASSOCIATED MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,511Fees	0.339%Above	1,436
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,840Fees	0.227%Above	407
3	LENDLO MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$3,287Fees	0.668%Above	289
4	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,050Fees	0.375%Above	733
5	Arvest Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,604Fees	0.401%Above	645
6	Firstar Bank BankDirect	Strong	Strong	Strong	Exceptional	Strong	$1,992Fees	0.058%Below	56
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,560Fees	0.417%Above	725
8	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,940Fees	0.056%Above	101
9	First United Bank and Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,053Fees	0.342%Above	670
10	American Bank of Oklahoma BankDirect	Strong	Strong	Strong	Strong	Strong	$2,462Fees	0.115%Above	102
11	Stride Bank, National Association BankDirect	Strong	Sound	Strong	Exceptional	Strong	$1,808Fees	0.294%Above	239
12	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$3,131Fees	0.642%Above	87
13	BOKF, National Association BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,621Fees	0.436%Above	650
14	RCB Bank BankDirect	Strong	Strong	Sound	Strong	Strong	$1,333Fees	0.418%Below	138
15	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$4,002Fees	0.458%Above	67
16	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,262Fees	0.167%Above	97
17	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,667Fees	0.398%Above	218
18	THE MORTGAGE LINK, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,109Fees	0.645%Above	349
19	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,499Fees	0.636%Above	121
20	Great Plains National Bank BankDirect	Strong	Sound	Strong	Exceptional	Sound	$2,758Fees	0.255%Above	33
21	BancFirst BankDirect	Strong	Sound	Strong	Strong	Strong	$1,442Fees	0.356%Above	137
22	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$1,656Fees	0.471%Above	58
23	GoodLeap, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Sound	Sound	$2,612Fees	0.269%Below	44
24	Waterstone Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,992Fees	0.554%Above	265
25	American Mortgage Bank, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$1,754Fees	0.526%Above	123
26	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,990Fees	0.791%Above	46
27	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,236Fees	0.435%Above	42
28	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$2,264Fees	0.080%Above	34
29	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,495Fees	0.221%Above	52
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,325Fees	0.523%Above	49
31	REGENT FINANCIAL GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Sound	$2,938Fees	0.495%Above	32
32	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,478Fees	0.789%Above	101
33	MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,264Fees	0.660%Above	57
34	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$3,591Fees	0.538%Above	48
35	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,015Fees	0.365%Above	44
36	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$834Fees	0.579%Above	263
37	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$4,786Fees	0.860%Above	67
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$3,800Fees	0.689%Above	110
39	SUCCESS MORTGAGE PARTNERS, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,340Fees	0.382%Above	64
40	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,088Fees	0.747%Above	163
41	US MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$3,108Fees	0.645%Above	151
42	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$1,880Fees	0.402%Above	34
43	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$5,675Fees	0.287%Above	26
44	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,973Fees	0.520%Above	74
45	DEVELOPER'S MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	$3,191Fees	0.703%Above	34
46	Click n' Close, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	—	—	45
47	Mabrey Bank BankDirect	Sound	Acceptable	Sound	Acceptable	Strong	$1,898Fees	0.201%Above	52

❓ Frequently Asked Questions

How are mortgage lenders ranked in Tulsa, OK?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Tulsa, OK), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Tulsa, OK?+

Based on 2024 HMDA data, 100 lenders originated a combined 11,045 loans in Tulsa, OK. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Tulsa, OK?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Tulsa, OK is 0.35%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Tulsa, OK's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.