Cash-out refinancing lenders in Tulsa County
1,513 cash-out refinancing mortgages were made in Tulsa County, Oklahoma, in 2025, by 206 lenders. The median rate their borrowers got was 6.875% on a median loan of $145,000. Of 2,453 decisions, 820 were denials — 33.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 381 | 7.875% | $105,000 | 26.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 88 | 6.562% | $190,000 | 23.5% |
| Arvest Bank | 56 | 6.500% | $170,000 | 18.6% |
| OKLAHOMA CENTRAL Credit Union | 53 | 7.490% | $55,000 | 48.5% |
| GoodLeap, LLC | 52 | 6.500% | $110,000 | 29.0% |
| BOKF, National Association | 46 | 6.875% | $200,000 | 20.3% |
| AmeriSave Mortgage Corporation | 41 | 8.000% | $85,000 | 73.9% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.438% | $215,000 | 34.4% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.125% | $175,000 | 23.4% |
| Communication Federal Credit Union | 34 | 7.313% | $65,000 | 4.8% |
| NEWREZ LLC | 32 | 7.813% | $95,000 | 51.5% |
| Loandepot.Com, LLC | 32 | 6.433% | $155,000 | 31.9% |
| TTCU Federal Credit Union | 27 | 7.000% | $115,000 | 27.5% |
| FLAT BRANCH MORTGAGE, INC. | 24 | 6.500% | $205,000 | 4.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 23 | 8.375% | $95,000 | 64.5% |
| ASSOCIATED MORTGAGE CORPORATION | 23 | 6.875% | $255,000 | 3.5% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.495% | $155,000 | 30.3% |
| AMERITRUST MORTGAGE CORPORATION | 20 | 6.875% | $135,000 | 0.0% |
| First United Bank and Trust Company | 14 | 6.625% | $280,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 13 | 7.490% | $125,000 | 7.1% |
| 984500RF83EA742B5589 | 13 | 6.600% | $275,000 | 0.0% |
| Mortgage Research Center, LLC | 12 | 5.870% | $315,000 | 70.7% |
| Broker Solutions, Inc. | 12 | 6.813% | $215,000 | 42.9% |
| Gateway First Bank | 11 | 6.500% | $165,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $185,000 | 31.3% |
| NEW DAY FINANCIAL, LLC | 10 | 7.245% | $175,000 | 61.8% |
| 54930013MXTMNAENKY84 | 10 | 5.438% | $70,000 | 9.1% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 43.8% |
| The Central Trust Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RCB Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| TINKER FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CLEARING CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AVB Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GREEN COUNTRY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 54.6% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 30.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| American Bank of Oklahoma | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 79.2% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| RED CROWN | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Tulsa Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Mabrey Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| First Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BancFirst | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OKLAHOMA'S CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| WEOKIE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 61.5% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Stride Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Plains National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 54.6% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 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% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REGENT FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGIANCE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Mortgage Services, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank of Edmond | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truity Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist 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 | 50.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Dover Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| ML Mortgage Corp. | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEVELOPER'S MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Liberty Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Simmons Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| North American Savings Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fidelity Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Chickasaw Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| TRUE SKY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FORT SILL | 0 | Under 10 loans | Under 10 loans | Not published |
| Bison State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Triad Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 6 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.