Safe Rate Rankings

Best Mortgage Company 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 Lenders35

Total Loans6,760

Median Rate Spread0.45%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,511Fees	0.339%Above	1,436
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,050Fees	0.375%Above	733
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,840Fees	0.227%Above	407
4	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,287Fees	0.668%Above	289
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,560Fees	0.417%Above	725
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,940Fees	0.056%Above	101
7	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,131Fees	0.642%Above	87
8	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,109Fees	0.645%Above	349
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,002Fees	0.458%Above	67
10	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,495Fees	0.221%Above	52
11	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$834Fees	0.579%Above	263
12	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,754Fees	0.526%Above	123
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,478Fees	0.789%Above	101
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,325Fees	0.523%Above	49
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,591Fees	0.538%Above	48
16	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,990Fees	0.791%Above	46
17	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,015Fees	0.365%Above	44
18	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,612Fees	0.269%Below	44
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,236Fees	0.435%Above	42
20	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,264Fees	0.080%Above	34
21	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,880Fees	0.402%Above	34
22	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,800Fees	0.689%Above	110
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,973Fees	0.520%Above	74
24	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,786Fees	0.860%Above	67
25	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,264Fees	0.660%Above	57
26	REGENT FINANCIAL GROUP, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,938Fees	0.495%Above	32
27	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,992Fees	0.554%Above	265
28	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,088Fees	0.747%Above	163
29	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,340Fees	0.382%Above	64
30	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,656Fees	0.471%Above	58
31	DEVELOPER'S MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,191Fees	0.703%Above	34
32	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,675Fees	0.287%Above	26
33	US MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$3,108Fees	0.645%Above	151
34	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$4,200Fees	1.186%Above	27

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.