Safe Rate Rankings

Best Conventional 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 Lenders100

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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$515Fees	0.414%Below	87
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,050Fees	0.375%Above	733
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,519Fees	0.205%Above	119
4	Firstar BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$1,992Fees	0.058%Below	56
5	ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,511Fees	0.339%Above	1,436
6	BOKF, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,621Fees	0.436%Above	650
7	American Airlines Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$0Fees	0.321%Below	62
8	MidFirst BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$361Fees	0.147%Below	61
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,116Fees	0.129%Above	34
10	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,031Fees	0.053%Above	32
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,560Fees	0.417%Above	725
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,833Fees	0.278%Above	112
13	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,262Fees	0.167%Above	97
14	Truity Federal Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$704Fees	0.040%Above	40
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,587Fees	0.019%Above	34
16	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,053Fees	0.342%Above	670
17	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,604Fees	0.401%Above	645
18	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,840Fees	0.227%Above	407
19	Stride Bank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$1,808Fees	0.294%Above	239
20	TTCU Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$1,483Fees	0.152%Above	160
21	RCB BankBank	Strong	Strong	Sound	Sound	Strong	$1,333Fees	0.418%Below	138
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,940Fees	0.056%Above	101
23	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,002Fees	0.458%Above	67
24	Communication Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$983Fees	0.437%Above	38
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,880Fees	0.402%Above	34
26	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,109Fees	0.645%Above	349
27	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,667Fees	0.398%Above	218
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,478Fees	0.789%Above	101
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,131Fees	0.642%Above	87
30	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,264Fees	0.080%Above	34
31	BancFirstBank	Strong	Acceptable	Strong	Strong	Strong	$1,442Fees	0.356%Above	137
32	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,800Fees	0.689%Above	110
33	American Bank of OklahomaBank	Strong	Sound	Sound	Sound	Strong	$2,462Fees	0.115%Above	102
34	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,973Fees	0.520%Above	74
35	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,786Fees	0.860%Above	67
36	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,495Fees	0.221%Above	52
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,325Fees	0.523%Above	49
38	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,591Fees	0.538%Above	48
39	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,990Fees	0.791%Above	46
40	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,015Fees	0.365%Above	44
41	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,612Fees	0.269%Below	44
42	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,236Fees	0.435%Above	42
43	Great Plains National BankBank	Strong	Acceptable	Strong	Exceptional	Sound	$2,758Fees	0.255%Above	33
44	Prosperity BankBank	Strong	Sound	Strong	Sound	Sound	$907Fees	0.116%Above	33
45	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,287Fees	0.668%Above	289
46	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,992Fees	0.554%Above	265
47	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$834Fees	0.579%Above	263
48	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,754Fees	0.526%Above	123
49	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,656Fees	0.471%Above	58
50	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,938Fees	0.495%Above	32

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.