Refinancing lenders in Tulsa County
1,609 refinancing mortgages were made in Tulsa County, Oklahoma, in 2025, by 233 lenders. The median rate their borrowers got was 6.375% on a median loan of $215,000. Of 2,149 decisions, 419 were denials — 19.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Arvest Bank | 128 | 7.500% | $155,000 | 24.7% |
| Rocket Mortgage, LLC | 110 | 5.990% | $280,000 | 27.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 107 | 5.625% | $275,000 | 23.0% |
| BOKF, National Association | 106 | 6.625% | $95,000 | 22.1% |
| BancFirst | 94 | 6.750% | $65,000 | 4.0% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 5.750% | $265,000 | 14.5% |
| ASSOCIATED MORTGAGE CORPORATION | 58 | 6.433% | $300,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 47 | 6.250% | $265,000 | 4.4% |
| Regent Bank | 37 | Not published | $165,000 | 9.3% |
| First United Bank and Trust Company | 32 | 6.500% | $280,000 | 0.0% |
| TTCU Federal Credit Union | 30 | 6.438% | $205,000 | 21.4% |
| Gateway First Bank | 25 | 6.125% | $235,000 | 10.7% |
| Mortgage Research Center, LLC | 21 | 5.750% | $245,000 | 50.0% |
| Firstar Bank | 21 | 7.500% | $235,000 | 0.0% |
| Equity Bank | 20 | 8.121% | $245,000 | 0.0% |
| PLANET HOME LENDING, LLC | 19 | 5.750% | $255,000 | 9.1% |
| Security Bank | 19 | Not published | $255,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.625% | $235,000 | 18.2% |
| Armstrong Bank | 17 | 7.000% | $215,000 | 0.0% |
| 984500RF83EA742B5589 | 17 | 6.880% | $285,000 | 5.6% |
| NEWREZ LLC | 16 | 6.000% | $360,000 | 28.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 5.870% | $265,000 | 20.0% |
| Bank of America, National Association | 16 | 6.115% | $145,000 | 24.0% |
| MidFirst Bank | 16 | 6.750% | $135,000 | 11.1% |
| American Heritage Bank | 16 | Not published | $165,000 | 5.6% |
| AMERICAN HERITAGE LENDING, LLC | 16 | 7.625% | $85,000 | 5.9% |
| FLAT BRANCH MORTGAGE, INC. | 15 | 5.990% | $295,000 | 0.0% |
| Prosperity Bank | 14 | 7.375% | $100,000 | 26.3% |
| Stride Bank, National Association | 14 | 6.825% | $315,000 | 0.0% |
| Tulsa Federal Credit Union | 13 | 7.375% | $165,000 | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.438% | $280,000 | 56.4% |
| AVB Bank | 12 | Not published | $205,000 | 20.0% |
| The First National Bank and Trust Company of Broken Arrow | 12 | Not published | $135,000 | 0.0% |
| OKLAHOMA CENTRAL Credit Union | 12 | 7.000% | $15,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $215,000 | 7.7% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.250% | $265,000 | 26.7% |
| First Oklahoma Bank | 11 | Not published | $245,000 | 0.0% |
| GREEN COUNTRY | 11 | Not published | $105,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 10 | 6.938% | $130,000 | 33.3% |
| THE MORTGAGE LINK, INC. | 10 | 6.375% | $250,000 | 8.3% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RCB Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Triad Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mabrey Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 68.2% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Waterstone Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Vast Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| American Bank of Oklahoma | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Great Plains National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UMB Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SpiritBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Owasso | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 55.6% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900467HCJ72XZNJ32 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BLUE SKY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Patrons Bank, NA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 85.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TINKER FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OKLAHOMA'S CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Fidelity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REGENT FINANCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Pryority Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 90.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE CLEARING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Of Oklahoma | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WEOKIE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Focus Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nebraska Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 54930013MXTMNAENKY84 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Missouri Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sooner State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The City National Bank and Trust Company of Lawton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vision Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| InterBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RED CROWN | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEVELOPER'S MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Chickasaw Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Communication Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| Trustmark National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 33 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.