Safe Rate Rankings

Best VA 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.
Total Lenders12
Total Loans11,045
Median Rate Spread0.35%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Arvest BankBank
Exceptional
Strong
Exceptional
Strong
Exceptional
$1,604Fees
0.401%Above
645
2
CORNERSTONE CAPITAL BANK, SSBBank
Exceptional
Strong
Exceptional
Exceptional
Strong
$3,499Fees
0.636%Above
121
3
Firstar BankBank
Exceptional
Strong
Strong
Exceptional
Strong
$1,992Fees
0.058%Below
56
4
First United Bank and Trust CompanyBank
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,053Fees
0.342%Above
670
5
JPMorgan Chase Bank, National AssociationBank
Exceptional
Strong
Exceptional
Sound
Strong
$1,833Fees
0.278%Above
112
6
Stride Bank, National AssociationBank
Strong
Sound
Strong
Exceptional
Strong
$1,808Fees
0.294%Above
239
7
Gateway First BankBank
Strong
Sound
Exceptional
Strong
Strong
$2,667Fees
0.398%Above
218
8
USAA Federal Savings BankBank
Strong
Strong
Exceptional
Sound
Sound
$1,744Fees
0.099%Below
47
9
RCB BankBank
Strong
Strong
Sound
Sound
Strong
$1,333Fees
0.418%Below
138
10
The Central Trust BankBank
Strong
Sound
Strong
Strong
Strong
$1,262Fees
0.167%Above
97
11
BOKF, National AssociationBank
Strong
Acceptable
Strong
Strong
Exceptional
$1,621Fees
0.436%Above
650
12
BancFirstBank
Strong
Acceptable
Strong
Strong
Strong
$1,442Fees
0.356%Above
137

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)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.