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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 Bank Mortgage Lenders in Tulsa
Updated February 5, 2026
Market Overview
21
Total Lenders
3,755
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MidFirst Bank | Exceptional | Exceptional | Strong | Strong | $361 | -0.147% | 61 | |
2 | Firstar Bank | Exceptional | Strong | Exceptional | Strong | $1,992 | -0.058% | 56 | |
3 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,519 | +0.205% | 119 | |
4 | American Bank of Oklahoma | Strong | Strong | Strong | Strong | $2,462 | +0.115% | 102 | |
5 | NBKC BANK | Strong | Exceptional | Sound | Sound | $1,031 | +0.053% | 32 | |
6 | RCB Bank | Strong | Strong | Sound | Strong | $1,333 | -0.418% | 138 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,116 | +0.129% | 34 | |
8 | Stride Bank, National Association | Strong | Sound | Strong | Strong | $1,808 | +0.294% | 239 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,833 | +0.278% | 112 | |
10 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,262 | +0.167% | 97 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,587 | +0.019% | 34 | |
12 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $2,053 | +0.342% | 670 | |
13 | BOKF, National Association | Strong | Acceptable | Strong | Exceptional | $1,621 | +0.436% | 650 | |
14 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,604 | +0.401% | 645 | |
15 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $2,667 | +0.398% | 218 | |
16 | BancFirst | Strong | Acceptable | Strong | Strong | $1,442 | +0.356% | 137 | |
17 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $3,499 | +0.636% | 121 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,744 | -0.099% | 47 | |
19 | Great Plains National Bank | Strong | Acceptable | Exceptional | Sound | $2,758 | +0.255% | 33 | |
20 | Prosperity Bank | Sound | Sound | Acceptable | Sound | $907 | +0.116% | 33 | |
21 | Mabrey Bank | Sound | Acceptable | Acceptable | Strong | $1,898 | +0.201% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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