Safe Rate Rankings

Best Bank Mortgage Lenders in Tulsa

Updated February 5, 2026

⚖️ 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 Lenders21

Total Loans3,755

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MidFirst BankBank	Exceptional	Exceptional	Strong	Strong	$361Fees	0.147%Below	61
2	Firstar BankBank	Exceptional	Strong	Exceptional	Strong	$1,992Fees	0.058%Below	56
3	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,519Fees	0.205%Above	119
4	American Bank of OklahomaBank	Strong	Strong	Strong	Strong	$2,462Fees	0.115%Above	102
5	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$1,031Fees	0.053%Above	32
6	RCB BankBank	Strong	Strong	Sound	Strong	$1,333Fees	0.418%Below	138
7	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,116Fees	0.129%Above	34
8	Stride Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,808Fees	0.294%Above	239
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,833Fees	0.278%Above	112
10	The Central Trust BankBank	Strong	Sound	Strong	Strong	$1,262Fees	0.167%Above	97
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,587Fees	0.019%Above	34
12	First United Bank and Trust CompanyBank	Strong	Acceptable	Strong	Exceptional	$2,053Fees	0.342%Above	670
13	BOKF, National AssociationBank	Strong	Acceptable	Strong	Exceptional	$1,621Fees	0.436%Above	650
14	Arvest BankBank	Strong	Acceptable	Strong	Exceptional	$1,604Fees	0.401%Above	645
15	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$2,667Fees	0.398%Above	218
16	BancFirstBank	Strong	Acceptable	Strong	Strong	$1,442Fees	0.356%Above	137
17	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$3,499Fees	0.636%Above	121
18	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,744Fees	0.099%Below	47
19	Great Plains National BankBank	Strong	Acceptable	Exceptional	Sound	$2,758Fees	0.255%Above	33
20	Prosperity BankBank	Sound	Sound	Acceptable	Sound	$907Fees	0.116%Above	33
21	Mabrey BankBank	Sound	Acceptable	Acceptable	Strong	$1,898Fees	0.201%Above	52

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.