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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Oklahoma
  4. Tulsa
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Tulsa, OK

How much house can you afford in Tulsa? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Tulsa

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Tulsa Mortgage | Steve Currington | CrossCountry Mortgage

Known for prompt, around-the-clock communication, Tulsa Mortgage | Steve Currington | CrossCountry Mortgage helps clients navigate home buying with clarity and care. The team offers mortgage lending services tailored to first-time buyers and seasoned homeowners alike, with a focus on making the process smooth and approachable. Customers appreciate their responsiveness and clear guidance… more...

Known for prompt, around-the-clock communication, Tulsa Mortgage | Steve Currington | CrossCountry Mortgage helps clients navigate home buying with clarity and care. The team offers mortgage lending services tailored to first-time buyers and seasoned homeowners alike, with a focus on making the process smooth and approachable. Customers appreciate their responsiveness and clear guidance throughout each step.

View Profile
(918) 281-5475
Open 00:00 - 23:59
9721 E 79th St 2nd Floor, Tulsa, OK 74133
2

Oklahoma Mortgage Group - Mike David

Oklahoma Mortgage Group specializes in helping clients overcome credit challenges while offering competitive rates and fast closings, often within 10-15 days. Their team provides a wide range of loan options, including VA, FHA, and USDA loans, alongside tools to support buyers through the financing process. Customers appreciate their thorough communication and personalized service, though the… more...

Oklahoma Mortgage Group specializes in helping clients overcome credit challenges while offering competitive rates and fast closings, often within 10-15 days. Their team provides a wide range of loan options, including VA, FHA, and USDA loans, alongside tools to support buyers through the financing process. Customers appreciate their thorough communication and personalized service, though the process can still be complex depending on individual circumstances.

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(918) 361-1550
Open 7:00 AM - 8:00 PM
8917 S Yale Ave Suites 100 & 200, Tulsa, OK 74137
3

ZFG Mortgage

With an A+ rating from the Better Business Bureau, ZFG Mortgage specializes in residential lending programs tailored to first-time buyers, refinancing, and new construction. Their team guides clients through various loan options, including Zero Down and VA Loans, while providing helpful tools to estimate affordability. Customers appreciate their clear communication and support throughout the… more...

With an A+ rating from the Better Business Bureau, ZFG Mortgage specializes in residential lending programs tailored to first-time buyers, refinancing, and new construction. Their team guides clients through various loan options, including Zero Down and VA Loans, while providing helpful tools to estimate affordability. Customers appreciate their clear communication and support throughout the process.

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(918) 459-6530
Open 00:00 - 23:59
4520 S Harvard Ave #150, Tulsa, OK 74135
4

The Mortgage Link | Tulsa, OK

About The Mortgage LinkThe Mortgage Link is a mortgage lending company dedicated to providing a seamless and supportive home financing experience. With a commitment to clear communication and responsive service, they guide clients through every step of the mortgage process. Their team of experienced loan officers possesses deep knowledge of various loan programs, including conventional, FHA, and… more...

About The Mortgage LinkThe Mortgage Link is a mortgage lending company dedicated to providing a seamless and supportive home financing experience. With a commitment to clear communication and responsive service, they guide clients through every step of the mortgage process. Their team of experienced loan officers possesses deep knowledge of various loan programs, including conventional, FHA, and VA financing, ensuring clients find the best solutions for their unique needs. The company emphasizes building strong relationships and delivering exceptional service from application to closing.Why Choose The Mortgage LinkThe Mortgage Link distinguishes itself through its client-centric approach, focusing on transparency and responsiveness. They are committed to providing a great experience from start to finish, ensuring clients feel informed and supported. Their team's expertise in navigating the complexities of the mortgage market helps clients secure favorable terms and achieve their homeownership goals. They offer personalized guidance and work diligently to meet each client's specific financial situation and aspirations.The Mortgage Link OffersThe Mortgage Link offers a comprehensive suite of mortgage lending services designed to meet diverse client needs. They specialize in assisting with home purchases, including first-time homebuyers, and provide expert guidance on the mortgage process. Additionally, they offer refinancing options to help homeowners leverage their equity or secure better loan terms. Their services encompass conventional loans, FHA mortgages, VA financing, and down payment assistance programs. They also provide valuable resources such as loan calculators and a glossary of mortgage terms to empower clients with knowledge.Unique AdvantagesThe Mortgage Link offers expert support throughout the home financing journey. They provide a wide range of mortgage products and resources, including calculators and educational materials. Their commitment to clear communication and responsive service ensures a positive client experience.

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(918) 727-7541
Open 8:30 AM - 5:30 PM
3902 East 51st Street South, Tulsa, OK 74135
5

Bank of Oklahoma Mortgage

Bank of Oklahoma Mortgage offers specialized home loan services including first-time buyer programs, refinancing, and home equity lending, supported by experienced loan officers. Customers appreciate the team’s clear communication and responsiveness throughout the process, though some note that scheduling can require a bit of flexibility. The office also provides convenient features like Saturday… more...

Bank of Oklahoma Mortgage offers specialized home loan services including first-time buyer programs, refinancing, and home equity lending, supported by experienced loan officers. Customers appreciate the team’s clear communication and responsiveness throughout the process, though some note that scheduling can require a bit of flexibility. The office also provides convenient features like Saturday hours and drive-thru access.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Application Fee Quoted per loan
View Profile
(918) 488-7140
Open 8:00 AM - 5:00 PM
7060 S Yale Ave Ste 100, Tulsa, OK 74136
General Services
Mortgage Loans
Where they are 10 on the map Click a pin for the profile and directions
6

SCISSORTAIL FINANCIAL HOME LOANS TULSA

Scissortail Financial focuses on providing a smooth home loan experience with competitive rates and fast closings. They offer a wide range of mortgage options, including conventional, FHA, VA, USDA, and Native American loans, along with various refinance programs. Customers appreciate clear communication and personal support, though some note occasional delays in the approval process.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(918) 495-3773
Open 00:00 - 23:59
10807 S Memorial Dr Ste F, Tulsa, OK 74133
General Services
Home Loans
7

AMC Mortgage | Associated Mortgage Corporation

AMC Mortgage | Associated Mortgage Corporation is known for its attentive customer service and clear communication throughout the home loan process. The team offers mortgage brokerage services focused on making transactions smooth and timely, with clients appreciating their responsiveness and attention to detail. Some reviews note a strong reliance on specific agents for a seamless experience.

Services & Prices
Pre-Approval Process Quoted per loan
Closing Costs Quoted per loan
View Profile
(918) 491-9900
Open 8:00 AM - 5:00 PM
7211 S Yale Ave, Tulsa, OK 74136
General Services
Lending Services
8

Cornerstone Home Lending

Cornerstone Home Lending is known for guiding first-time and experienced homebuyers through the mortgage process with clear communication and responsive support. Their team assists with loan applications and approvals, often providing quick turnarounds during competitive offer situations. Some clients have raised concerns about credit checks being done without prior consent.

Services & Prices
Home Purchase Loans Quoted per loan
Mortgage Refinancing Quoted per loan
Pre-Approval Process Quoted per loan
View Profile
(918) 921-8026
Open 9:00 AM - 5:00 PM
6666 S Sheridan Rd #220, Tulsa, OK 74133
General Services
Mortgage Services
9

Kyle Bradley Mortgage

With over 20 years of experience and licensing in six states, Kyle Bradley Mortgage specializes in securing competitive rates and managing complex loans, including new construction financing. The team offers purchase and refinance options, maintaining clear communication and a smooth process that clients appreciate for its responsiveness and ease.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Loan Comparison Analysis Quoted per loan
View Profile
(918) 855-0494
Open 00:00 - 23:59
2407 E Skelly Dr, Tulsa, OK 74105
General Services
Loan Services
10

Midtown Mortgage

Midtown Mortgage offers a wide range of specialized home loan products, including HUD 184 Indian Loans and Doctor Loans, with a focus on personalized service and technology-driven tools. The team helps clients navigate financing options smoothly, though some find the process more involved than with larger lenders. Customers appreciate their clear guidance and attentive support.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(918) 710-4106
Open 9:00 AM - 5:00 PM
2510 E 15th St Ste 202, Tulsa, OK 74104
General Services
Mortgage Services

Tulsa Mortgage Statistics

Home-purchase lending in Tulsa County and home costs in Tulsa, OK (latest HMDA and Census data)

Lenders made 7,941 home-purchase loans in Tulsa County in 2025 (average about $298,000) and denied 843 — 10% of decided applications, compared with 18% across Oklahoma, according to federal mortgage data (HMDA, CFPB). In Tulsa, the median home is worth $205,300 and 55% of owners have a mortgage, paying a median $1,561 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
7,941▲ 4%7,605 in 2024
Denial rate
10%OK 18%
Median home value
$205,300OK $199,800
Monthly cost with a mortgage
$1,561median · OK $1,539
Refinance loans made (Tulsa County, 2025)
3,126 · 2,257 in 2024
Home-improvement loans made (2025)
1,420
Average home-purchase loan
$298,000 (OK $260,000)
Owners with a mortgage
55% · 27% of them spend 30%+ of income on housing
Median household income
$59,838 (OK $65,039)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Tulsa County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Tulsa Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Tulsa Mortgage | Steve Currington | CrossCountry Mortgage 4.9 1032 — (918) 281-5475 Visit
2 Oklahoma Mortgage Group - Mike David 5.0 520 — (918) 361-1550 Visit
3 ZFG Mortgage 5.0 420 — (918) 459-6530 Visit
4 The Mortgage Link | Tulsa, OK 4.9 377 — (918) 727-7541 Visit
5 Bank of Oklahoma Mortgage 4.8 362 Quoted per loan (918) 488-7140 Visit
6 SCISSORTAIL FINANCIAL HOME LOANS TULSA 5.0 312 Quoted per loan (918) 495-3773 Visit
7 AMC Mortgage | Associated Mortgage Corporation 4.8 261 Quoted per loan (918) 491-9900 Visit
8 Cornerstone Home Lending 4.9 247 Quoted per loan (918) 921-8026 Visit
9 Kyle Bradley Mortgage 5.0 71 Quoted per loan (918) 855-0494 Visit
10 Midtown Mortgage 5.0 31 Quoted per loan (918) 710-4106 Visit

How this Tulsa mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Oklahoma rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.78% of the home's value a year, the Oklahoma average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work?
The calculator estimates the highest home price you can qualify for using your income, debts, down payment, interest rate, and buyer status.
How accurate is the mortgage estimate?
The estimate is a guideline. Actual approval requires lender verification of income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a home in Oklahoma?
Minimum down payments are 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage?
With less than 20% down, PMI adds about 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home value.
How do interest rates impact what I can afford?
Higher interest rates increase monthly payments, reducing the home price you can qualify for. Rates change weekly.
How do debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt payments.
What is the property tax rate in Oklahoma?
Oklahoma's property tax is about 0.78% of the home's value annually.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of financial details, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker connects borrowers with lenders, helping find suitable mortgage options based on financial situations.

General information, not financial advice — consult a qualified professional.