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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,287 | +0.668% | 289 | |
2 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,604 | +0.401% | 645 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,840 | +0.227% | 407 | |
4 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,499 | +0.636% | 121 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $515 | -0.414% | 87 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,940 | +0.056% | 101 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,131 | +0.642% | 87 | |
8 | Firstar Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,992 | -0.058% | 56 | |
9 | ASSOCIATED MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,511 | +0.339% | 1,436 | |
10 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,053 | +0.342% | 670 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,833 | +0.278% | 112 | |
12 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $4,786 | +0.860% | 67 | |
13 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,495 | +0.221% | 52 | |
14 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,050 | +0.375% | 733 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,560 | +0.417% | 725 | |
16 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | Strong | $1,808 | +0.294% | 239 | |
17 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $2,667 | +0.398% | 218 | |
18 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,744 | -0.099% | 47 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $3,015 | +0.365% | 44 | |
20 | RCB Bank | Strong | Strong | Sound | Sound | Strong | $1,333 | -0.418% | 138 | |
21 | American Mortgage Bank, LLC | Strong | Sound | Strong | Strong | Strong | $1,754 | +0.526% | 123 | |
22 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $1,262 | +0.167% | 97 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,002 | +0.458% | 67 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $1,656 | +0.471% | 58 | |
25 | BOKF, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $1,621 | +0.436% | 650 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $834 | +0.579% | 263 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,478 | +0.789% | 101 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,325 | +0.523% | 49 | |
29 | BancFirst | Strong | Acceptable | Strong | Strong | Strong | $1,442 | +0.356% | 137 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,973 | +0.520% | 74 | |
31 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,264 | +0.660% | 57 | |
32 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $2,612 | -0.269% | 44 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,236 | +0.435% | 42 | |
34 | THE MORTGAGE LINK, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,109 | +0.645% | 349 | |
35 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,992 | +0.554% | 265 | |
36 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $4,088 | +0.747% | 163 | |
37 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,108 | +0.645% | 151 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,800 | +0.689% | 110 | |
39 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,340 | +0.382% | 64 | |
40 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,200 | +1.186% | 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 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.
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