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Safe Rate's TrueRank Guarantee

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 FHA 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	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,511	+0.339%	1,436
2	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,050	+0.375%	733
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$3,131	+0.642%	87
4	Firstar Bank	Exceptional	Strong	Strong	Exceptional	Strong	$1,992	-0.058%	56
5	First United Bank and Trust Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,053	+0.342%	670
6	Arvest Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,604	+0.401%	645
7	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,840	+0.227%	407
8	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,287	+0.668%	289
9	American Bank of Oklahoma	Exceptional	Strong	Strong	Strong	Strong	$2,462	+0.115%	102
10	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,940	+0.056%	101
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,560	+0.417%	725
12	Stride Bank, National Association	Strong	Sound	Strong	Exceptional	Strong	$1,808	+0.294%	239
13	RCB Bank	Strong	Strong	Sound	Strong	Strong	$1,333	-0.418%	138
14	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,262	+0.167%	97
15	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$2,612	-0.269%	44
16	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,109	+0.645%	349
17	BancFirst	Strong	Sound	Strong	Strong	Strong	$1,442	+0.356%	137
18	CORNERSTONE CAPITAL BANK, SSB	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,499	+0.636%	121
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$4,002	+0.458%	67
20	Great Plains National Bank	Strong	Sound	Strong	Exceptional	Sound	$2,758	+0.255%	33
21	BOKF, National Association	Strong	Acceptable	Strong	Strong	Exceptional	$1,621	+0.436%	650
22	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,667	+0.398%	218
23	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Sound	$1,656	+0.471%	58
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,325	+0.523%	49
25	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,591	+0.538%	48
26	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,990	+0.791%	46
27	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,015	+0.365%	44
28	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,264	+0.080%	34
29	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,992	+0.554%	265
30	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$834	+0.579%	263
31	American Mortgage Bank, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,754	+0.526%	123
32	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,786	+0.860%	67
33	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,264	+0.660%	57
34	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,495	+0.221%	52
35	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,236	+0.435%	42
36	REGENT FINANCIAL GROUP, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$2,938	+0.495%	32
37	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$4,088	+0.747%	163
38	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,478	+0.789%	101
39	SUCCESS MORTGAGE PARTNERS, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,340	+0.382%	64
40	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,880	+0.402%	34
41	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$5,675	+0.287%	26
42	US MORTGAGE CORPORATION	Sound	Mediocre	Strong	Strong	Strong	$3,108	+0.645%	151
43	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$3,800	+0.689%	110
44	NATIONSTAR MORTGAGE LLC	Sound	Mediocre	Exceptional	Strong	Sound	$2,973	+0.520%	74
45	DEVELOPER'S MORTGAGE COMPANY	Sound	Acceptable	Strong	Sound	Sound	$3,191	+0.703%	34
46	Mabrey Bank	Sound	Acceptable	Sound	Acceptable	Strong	$1,898	+0.201%	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.

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