Mortgage lending in Tulsa County
13,453 mortgages were originated in Tulsa County, Oklahoma, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 13,453
- Median rate
- 6.625%
- Median lender fees
- $6,058
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.327
- Paid discount points
- 36.5%
- Received lender credits
- 26.9%
- Purchases / refinances
- 59% / 23.2%
- Conventional / FHA / VA
- 74.2% / 18.2% / 7.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 67.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $250,000
- That home, 20% down
- $200,000
A median-priced home with 20% down leaves $632,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Tulsa County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Associated Mortgage Corporation | 1,088 | $5,970 | 6.500% |
| BOKF, National Association | 1,052 | $6,111 | 6.625% |
| Arvest Bank | 945 | $5,369 | 7.000% |
| Rocket Mortgage, LLC | 743 | $5,678 | 6.875% |
| First United Bank and Trust Company | 571 | $8,341 | 6.375% |
| Flat Branch Mortgage, Inc. | 541 | $7,470 | 6.375% |
| TTCU Federal Credit Union | 541 | $3,763 | 6.875% |
| United Shore Financial Services, LLC | 397 | $8,082 | 6.375% |
| BancFirst | 261 | $4,168 | 6.990% |
| The Mortgage Link, Inc. | 260 | $13,815 | 6.350% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Tulsa County — not a rule of thumb.
From 9,126 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers