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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 Conventional Mortgage Lenders in Tulsa

Updated February 5, 2026

Market Overview

100

Total Lenders

11,045

Total Loans

0.35%

Median Rate Spread

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

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