Safe Rate Rankings

Best USDA 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	First United Bank and Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,053Fees	0.342%Above	670
2	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,287Fees	0.668%Above	289
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,840Fees	0.227%Above	407
4	ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,511Fees	0.339%Above	1,436
5	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,050Fees	0.375%Above	733
6	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,109Fees	0.645%Above	349
7	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,754Fees	0.526%Above	123
8	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,499Fees	0.636%Above	121
9	BOKF, National AssociationBank	Strong	Acceptable	Strong	Sound	Exceptional	$1,621Fees	0.436%Above	650
10	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,992Fees	0.554%Above	265

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.