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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Tulsa

Updated February 5, 2026

Market Overview

100

Total Lenders

11,045

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	MidFirst Bank	Exceptional	Exceptional	Strong	Strong	$361	-0.147%	61
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$515	-0.414%	87
3	American Airlines Federal Credit Union	Exceptional	Exceptional	Sound	Strong	$0	-0.321%	62
4	Firstar Bank	Exceptional	Strong	Exceptional	Strong	$1,992	-0.058%	56
5	ASSOCIATED MORTGAGE CORPORATION	Strong	Sound	Exceptional	Exceptional	$2,511	+0.339%	1,436
6	FLAT BRANCH MORTGAGE, INC.	Strong	Sound	Exceptional	Exceptional	$2,050	+0.375%	733
7	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,519	+0.205%	119
8	American Bank of Oklahoma	Strong	Strong	Strong	Strong	$2,462	+0.115%	102
9	NBKC BANK	Strong	Exceptional	Sound	Sound	$1,031	+0.053%	32
10	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$2,840	+0.227%	407
11	LENDLO MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$3,287	+0.668%	289
12	TTCU Federal Credit Union	Strong	Strong	Sound	Strong	$1,483	+0.152%	160
13	RCB Bank	Strong	Strong	Sound	Strong	$1,333	-0.418%	138
14	Communication Federal Credit Union	Strong	Strong	Sound	Strong	$983	+0.437%	38
15	U.S. Bank National Association	Strong	Strong	Strong	Sound	$1,116	+0.129%	34
16	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,560	+0.417%	725
17	Stride Bank, National Association	Strong	Sound	Strong	Strong	$1,808	+0.294%	239
18	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$1,833	+0.278%	112
19	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,940	+0.056%	101
20	The Central Trust Bank	Strong	Sound	Strong	Strong	$1,262	+0.167%	97
21	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,131	+0.642%	87
22	Truity Federal Credit Union	Strong	Strong	Sound	Sound	$704	+0.040%	40
23	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,587	+0.019%	34
24	First United Bank and Trust Company	Strong	Acceptable	Strong	Exceptional	$2,053	+0.342%	670
25	BOKF, National Association	Strong	Acceptable	Strong	Exceptional	$1,621	+0.436%	650
26	Arvest Bank	Strong	Acceptable	Strong	Exceptional	$1,604	+0.401%	645
27	THE MORTGAGE LINK, INC.	Strong	Acceptable	Strong	Exceptional	$3,109	+0.645%	349
28	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Sound	$4,002	+0.458%	67
29	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$1,495	+0.221%	52
30	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$834	+0.579%	263
31	Gateway First Bank	Strong	Acceptable	Strong	Strong	$2,667	+0.398%	218
32	BancFirst	Strong	Acceptable	Strong	Strong	$1,442	+0.356%	137
33	American Mortgage Bank, LLC	Strong	Acceptable	Strong	Strong	$1,754	+0.526%	123
34	CORNERSTONE CAPITAL BANK, SSB	Strong	Acceptable	Strong	Strong	$3,499	+0.636%	121
35	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,478	+0.789%	101
36	Tulsa Federal Credit Union	Strong	Sound	Acceptable	Strong	$1,490	+0.245%	98
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$3,325	+0.523%	49
38	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$3,591	+0.538%	48
39	USAA Federal Savings Bank	Strong	Sound	Sound	Sound	$1,744	-0.099%	47
40	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Sound	$2,990	+0.791%	46
41	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$3,015	+0.365%	44
42	GoodLeap, LLC	Strong	Sound	Sound	Sound	$2,612	-0.269%	44
43	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$2,236	+0.435%	42
44	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,264	+0.080%	34
45	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,880	+0.402%	34
46	Great Plains National Bank	Strong	Acceptable	Exceptional	Sound	$2,758	+0.255%	33
47	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$3,800	+0.689%	110
48	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$2,973	+0.520%	74
49	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$4,786	+0.860%	67
50	MORTGAGE SOLUTIONS OF COLORADO, LLC	Sound	Acceptable	Strong	Sound	$2,264	+0.660%	57

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.

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