Safe Rate Rankings

Best Conventional Mortgage Bank 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 Loans11,045

Median Rate Spread0.35%

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