Safe Rate Rankings

Best Conventional Mortgage Credit Union 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 Lenders7
Total Loans11,045
Median Rate Spread0.35%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Sound
Strong
$515Fees
0.414%Below
87
2
American Airlines Federal Credit UnionCredit Union
Exceptional
Exceptional
Sound
Sound
Strong
$0Fees
0.321%Below
62
3
Truity Federal Credit UnionCredit Union
Strong
Strong
Strong
Strong
Sound
$704Fees
0.040%Above
40
4
TTCU Federal Credit UnionCredit Union
Strong
Strong
Sound
Sound
Strong
$1,483Fees
0.152%Above
160
5
Communication Federal Credit UnionCredit Union
Strong
Strong
Sound
Sound
Strong
$983Fees
0.437%Above
38
6
OKLAHOMA CENTRAL Credit UnionCredit Union
Strong
Exceptional
Acceptable
Mediocre
Strong
$868Fees
0.047%Above
35
7
Tulsa Federal Credit UnionCredit Union
Strong
Sound
Sound
Acceptable
Strong
$1,490Fees
0.245%Above
98

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.