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Tulsa County, Oklahoma · 2025

Mortgage lenders in Tulsa County, OK: denial rates and top lenders (2025)

478 lenders acted on 22,972 mortgage applications for properties in Tulsa County in 2025. 14.5% were denied (Oklahoma: 17.9%). Median rate on closed loans 6.63%; median loan $185,000; median property value $295,000.

23kApplications
14.5%Denial ratestate 17.9%
6.63%Median ratestate 6.63%
$185,000Median loan
$295,000Median property value

Largest lenders in Tulsa County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 BOKF D 1,7851,052 15.9%6.63%
2 Arvest Bank C 1,515945 19.1%7.00%
3 Associated Mortgage A 1,4101,088 0.5%6.50%
4 Rocket Mortgage C 1,095743 21.1%6.88%
5 TTCU Federal Credit Union B 773541 17.6%6.88%
6 First United Bank and Trust C 767571 3.9%6.38%
7 Flat Branch Mortgage A 706541 1.4%6.38%
8 United Shore Financial Services B 575397 13.2%6.38%
9 Tulsa Federal Credit Union F 570190 14.6%8.00%
10 Bank of America F 396180 28.5%6.31%
11 Mortgage Research Center C 374177 17.1%6.25%
12 The Mortgage Link B 336260 0.9%6.35%
13 Pennymac Loan Services C 317161 11.4%6.25%
14 Gateway First Bank B 313222 3.5%6.63%
15 BancFirst C 311261 7.1%6.99%
16 Waterstone Mortgage C 308215 0.3%6.50%
17 Coastal Community Bank C 28064 2.5%10.62%
18 OKLAHOMA CENTRAL Credit Union F 271166 20.3%7.00%
19 Freedom Mortgage B 25794 10.9%6.25%
20 Stride Bank A 249205 0.4%6.63%
21 Kiavi Funding D 24356 6.6%10.10%
22 Dhi Mortgage Company B 237136 6.3%4.99%
23 Vanderbilt Mortgage and Finance F 22512 44.0%10.38%
24 Newrez D 22266 20.3%6.75%
25 AmeriSave Mortgage D 19944 61.3%7.88%

Best approval odds in Tulsa County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Unnamed lender 254900467HCJ72XZNJ32750.0%
2Panorama Mortgage Group540.0%
3Canopy Mortgage870.0%
4Waterstone Mortgage2170.5%
5Stride Bank2070.5%
6Associated Mortgage1,1800.6%
7The Mortgage Link2871.1%
8Success Mortgage Partners791.3%
9First Oklahoma Bank651.5%
10Flat Branch Mortgage5541.8%

What Tulsa County borrowers applied for

By loan purpose

Home purchase 11,668 51% · 7.2% denied
Refinance 3,081 13% · 13.6% denied
Cash-out refinance 3,436 15% · 23.9% denied
Home improvement 2,426 11% · 23.3% denied
Other / HELOC 2,361 10% · 28.9% denied

By loan type

Conventional 17,004 74% · 15.4% denied
FHA 4,121 18% · 12.0% denied
VA 1,819 8% · 11.9% denied
USDA / RHS 28 0% · 14.3% denied

Why applications were denied

Credit history 979 30%
Debt-to-income ratio 938 28%
Incomplete application 436 13%
Collateral 434 13%
Other 254 8%
Unverifiable information 141 4%
Insufficient cash 76 2%
Employment history 36 1%
Mortgage insurance denied 1 0%

Tulsa County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202319,29811,38817.2%6.99%$165,000
202420,73412,17716.8%6.88%$175,000
202522,97213,49714.5%6.63%$185,000

Frequently asked questions

14.5% of applications in Tulsa County were denied in 2025, against 17.9% statewide in Oklahoma.

BOKF, with 1,785 applications in 2025 and a denial rate of 15.9%.

The median mortgage application in Tulsa County in 2025 was for $185,000; the median property value on originated loans was $295,000.