Tulsa VA Loan Rates, Closing Costs & Stats
TULSA, OK
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who
have served or are presently serving in the U.S. military. The VA does not directly lend,
it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will
also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan,
it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out
refis.
For additional benefits of VA loans, click here.
Tulsa's 118 lenders originated 1,653 VA
loans during 2024. The total origination value was $500,015,000, with an average VA loan value of
$302,489.
Tulsa VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Tulsa
averaged
6.98%
for the week of 2025-07-18, compared to the national average (all VA variants) of
6.385% for the same period.
Tulsa's average VA mortgage closing costs are $6,308.
The average rate for the prior week (2025-07-11) was
6.86% and
one month ago for the week of 2025-06-13, the
average rate was 6.64%.
The average rate one year ago was 6.84%.
For refis of the same type during the week of 2025-07-18, the average rate
was 6.35%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Tulsa VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender
at the Tulsa level.
Name |
# of Loans |
2024 Avg. 30yFix Rate |
2024 Avg. Closing Costs |
Mortgage Research Center, LLC
|
285
|
6.47%
|
$6,240
|
UNITED WHOLESALE MORTGAGE, LLC
|
100
|
5.95%
|
$9,142
|
ASSOCIATED MORTGAGE CORPORATION
|
97
|
6.62%
|
$8,487
|
QUICKEN LOANS, LLC
|
86
|
6.18%
|
$10,826
|
FLAT BRANCH MORTGAGE, INC.
|
68
|
6.44%
|
$7,823
|
First United Bank and Trust Company
|
58
|
6.12%
|
$10,195
|
FREEDOM MORTGAGE CORPORATION
|
57
|
6.22%
|
$8,087
|
PENNYMAC LOAN SERVICES, LLC
|
56
|
5.66%
|
$8,608
|
NAVY FEDERAL CREDIT UNION
|
47
|
5.83%
|
$5,572
|
MORTGAGE SOLUTIONS OF COLORADO, LLC
|
43
|
7.14%
|
$4,274
|
Arvest Bank
|
38
|
6.38%
|
$6,234
|
USAA Federal Savings Bank
|
31
|
6.23%
|
$8,379
|
VILLAGE CAPITAL MORTGAGE
|
30
|
5.63%
|
$7,644
|
Stride Bank
|
26
|
6.16%
|
$8,033
|
NEW DAY FINANCIAL, LLC
|
26
|
7.36%
|
$9,979
|
NEWREZ LLC
|
24
|
6.08%
|
$6,854
|
Waterstone Mortgage Corporation
|
23
|
6.61%
|
$11,928
|
BOKF
|
21
|
6.29%
|
$10,047
|
American Mortgage & Equity Consultants, Inc.
|
20
|
6.67%
|
$14,262
|
CROSSCOUNTRY MORTGAGE, LLC
|
18
|
5.90%
|
$8,313
|
DHI MORTGAGE COMPANY, LTD.
|
17
|
5.47%
|
$7,300
|
Gateway First Bank
|
17
|
6.38%
|
$9,671
|
THE MORTGAGE LINK, INC.
|
14
|
6.52%
|
$19,276
|
Barrington Bank & Trust Company, N.A.
|
14
|
6.35%
|
$7,654
|
PLANET HOME LENDING, LLC
|
13
|
6.01%
|
$4,509
|
American Mortgage Bank, LLC
|
13
|
6.22%
|
$8,249
|
US MORTGAGE CORPORATION
|
13
|
6.50%
|
$7,966
|
LOANDEPOT.COM, LLC
|
12
|
5.37%
|
$13,505
|
BROKER SOLUTIONS, INC.
|
11
|
6.67%
|
$8,848
|
CORNERSTONE HOME LENDING, INC.
|
10
|
7.03%
|
$5,434
|
AMERICAN FINANCIAL NETWORK, INC.
|
10
|
6.97%
|
$8,740
|
GUARANTEED RATE, INC.
|
9
|
5.99%
|
$3,050
|
RCB Bank
|
9
|
6.13%
|
$7,237
|
The Federal Savings Bank
|
8
|
6.38%
|
$16,986
|
The Central Trust Bank
|
8
|
6.33%
|
$10,781
|
SUCCESS MORTGAGE PARTNERS, INC.
|
8
|
6.53%
|
$12,285
|
AmeriHome Mortgage Company, LLC
|
8
|
6.36%
|
$4,328
|
Servion, Inc.
|
7
|
6.55%
|
$6,963
|
LOANPAL, LLC
|
7
|
5.79%
|
$11,755
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
7
|
6.87%
|
$7,640
|
GUILD MORTGAGE COMPANY
|
7
|
6.04%
|
$5,868
|
JPMorgan Chase Bank
|
7
|
5.93%
|
$7,276
|
Credence Funding Corporation
|
6
|
5.98%
|
$6,810
|
First Federal Bank
|
6
|
6.13%
|
$6,156
|
BancFirst
|
6
|
6.33%
|
$6,598
|
Firstar Bank
|
5
|
5.85%
|
$7,030
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
5
|
6.35%
|
$11,084
|
V.I.P. MORTGAGE, INC.
|
4
|
6.13%
|
$8,180
|
Carrington Mortgage Services, LLC
|
4
|
5.75%
|
$10,643
|
SUN WEST MORTGAGE COMPANY, INC.
|
4
|
5.94%
|
$16,620
|
Equity Prime Mortgage LLC
|
4
|
6.66%
|
$11,911
|
DEVELOPER'S MORTGAGE COMPANY
|
4
|
7.16%
|
$8,477
|
ARK-LA-TEX FINANCIAL SERVICES, LLC.
|
4
|
6.38%
|
$4,516
|
Mr. Cooper ( Nationstar Mortgage )
|
4
|
6.59%
|
$12,283
|
NBKC BANK
|
4
|
5.84%
|
$13,482
|
Paramount Residential Mortgage Group, Inc.
|
4
|
6.41%
|
$5,486
|
PREMIA MORTGAGE, LLC
|
3
|
5.88%
|
$4,531
|
Texana Bank
|
3
|
6.71%
|
$13,938
|
UNION HOME MORTGAGE CORP.
|
3
|
6.50%
|
$9,872
|
Flagstar Bank, FSB
|
3
|
6.71%
|
$3,466
|
American Bank of Oklahoma
|
3
|
6.33%
|
$13,493
|
HOMESIDE FINANCIAL, LLC
|
3
|
6.00%
|
$20,523
|
OPEN MORTGAGE, LLC
|
3
|
6.50%
|
$4,159
|
POLARIS HOME FUNDING CORP.
|
3
|
6.58%
|
$15,172
|
AMERICAN FINANCIAL RESOURCES, INC.
|
2
|
6.75%
|
$8,634
|
Mabrey Bank
|
2
|
6.00%
|
$14,328
|
LAKEVIEW LOAN SERVICING, LLC
|
2
|
5.75%
|
$8,465
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
2
|
6.63%
|
$2,333
|
GoPrime Mortgage, Inc.
|
2
|
6.69%
|
$8,398
|
Armed Forces Bank
|
2
|
5.44%
|
$5,387
|
U.S. Bank
|
2
|
6.25%
|
$19,137
|
TTCU Federal Credit Union
|
2
|
6.63%
|
$5,012
|
Cornerstone First Mortgage, Inc
|
2
|
6.87%
|
$7,536
|
TOWNE MORTGAGE COMPANY
|
2
|
6.44%
|
$7,588
|
TOP FLITE FINANCIAL, INC.
|
2
|
6.00%
|
$8,501
|
Prosperity Bank
|
2
|
6.19%
|
$5,887
|
AMERISAVE MORTGAGE CORPORATION
|
2
|
5.75%
|
$19,797
|
TIB The Independent Bankersbank
|
2
|
6.63%
|
$4,267
|
PENTAGON FEDERAL CREDIT UNION
|
2
|
7.06%
|
$4,834
|
PHH Mortgage Corporation
|
2
|
5.38%
|
$5,415
|
Regent Financial Group, Inc.
|
2
|
7.19%
|
$8,755
|
CARDINAL FINANCIAL
|
2
|
6.50%
|
$16,126
|
MICHIGAN MUTUAL, INC.
|
2
|
7.88%
|
$9,390
|
Wells Fargo Bank
|
1
|
5.63%
|
$7,728
|
BAY-VALLEY MORTGAGE GROUP
|
1
|
6.25%
|
$6,580
|
CALCON MUTUAL MORTGAGE LLC
|
1
|
6.63%
|
$22,156
|
CANOPY MORTGAGE, LLC
|
1
|
7.25%
|
$12,476
|
Chickasaw Community Bank
|
1
|
6.13%
|
$22,495
|
CMG MORTGAGE, INC.
|
1
|
7.75%
|
$23,316
|
CWM PARTNERS, L.P.
|
1
|
5.38%
|
$9,412
|
Fidelity Bank
|
1
|
7.00%
|
$500
|
FIRST AMERICAN MORTGAGE, INC.
|
1
|
6.63%
|
$3,970
|
First Western Trust Bank
|
1
|
6.13%
|
$750
|
GARDNER FINANCIAL SERVICES, LTD.
|
1
|
6.75%
|
$10,109
|
GENEVA FINANCIAL, LLC
|
1
|
6.75%
|
$17,618
|
GERSHMAN INVESTMENT CORP.
|
1
|
6.63%
|
$5,850
|
Great Plains National Bank
|
1
|
6.75%
|
$3,293
|
Gulf Coast Bank and Trust Company
|
1
|
6.13%
|
$5,500
|
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.
|
1
|
6.75%
|
$927
|
Ixonia Bank
|
1
|
6.25%
|
$6,803
|
LIBERTY HOME MORTGAGE CORPORATION
|
1
|
6.88%
|
$14,168
|
Magnolia Bank
|
1
|
5.25%
|
$31,474
|
Mortgage Investment Services Corporation
|
1
|
6.75%
|
$4,702
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
1
|
7.25%
|
$13,754
|
Nations Lending Corporation
|
1
|
6.75%
|
$13,696
|
NETWORK CAPITAL FUNDING CORPORATION
|
1
|
6.75%
|
$12,935
|
NEW FED MORTGAGE, CORP.
|
1
|
6.25%
|
$14,622
|
Old National Bank
|
1
|
6.13%
|
$3,557
|
Plains Commerce Bank
|
1
|
5.50%
|
$8,802
|
SECURITYNATIONAL MORTGAGE COMPANY
|
1
|
5.13%
|
$7,993
|
SFMC, LP
|
1
|
6.99%
|
$11,515
|
Sierra Pacific Mortgage Company, Inc.
|
1
|
7.00%
|
$12,429
|
SOUTHWEST STAGE FUNDING, LLC
|
1
|
5.88%
|
$445
|
Stifel Bank and Trust
|
1
|
6.50%
|
$7,430
|
T2 FINANCIAL LLC
|
1
|
6.63%
|
$4,591
|
Tinker Federal Credit Union
|
1
|
6.88%
|
$4,791
|
VAN DYK MORTGAGE CORPORATION
|
1
|
6.13%
|
$8,013
|
ALAMEDA MORTGAGE CORPORATION
|
1
|
7.25%
|
$5,327
|
The top Tulsa VA lender as defined by loan originations is Mortgage Research Center, LLC, with
285 VA loans originated. Their average total fees are
$6,240, which is $2,902
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Tulsa VA lenders (with over 10 loans originated) are
MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,274), PLANET HOME LENDING, LLC ($4,509), CORNERSTONE HOME LENDING, INC. ($5,434), NAVY FEDERAL CREDIT UNION ($5,572) and Arvest Bank ($6,234).
The lowest rate Tulsa VA lenders (with over 10 loans originated) are
LOANDEPOT.COM, LLC (5.37%), DHI MORTGAGE COMPANY, LTD. (5.47%), VILLAGE CAPITAL MORTGAGE (5.63%), PENNYMAC LOAN SERVICES, LLC (5.66%) and NAVY FEDERAL CREDIT UNION (5.83%).
VA Loan Features
No down payment required
Negotiable and competitive interest rate.
Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent
and exemption for veterans receiving VA compensation).
VA rules limit the amount you can be charged for closing costs.
Closing costs are comparable with other financing types (and may be lower).
Closing costs may be paid by the seller.
No private mortgage insurance premiums are required.
An assumable mortgage.
Right to prepay your mortgage without penalty.
For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain
cooperation of builder.
VA assistance to veteran borrowers in default due to temporary financial difficulty.