DSCR Loans in Tulsa County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 171 lenders made 1,763 investment-property loans in Tulsa County, 16.5% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Tulsa County, Oklahoma, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $240,000.
Tulsa County investor market at a glance
| Statistic | Tulsa County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 1,763 | 10,662 | 2nd of 19 |
| Reporting lenders | 171 | 418 | 2nd of 19 |
| Loan volume | $315.3M | $1.93B | 2nd of 19 |
| Average loan | $179K | $181K | 9th of 19 |
| Median loan | $155K | $145K | 8th of 19 |
| Purchases | 63.0% | 62.5% | 11th of 19 |
| Cash-out refinances | 9.0% | 8.7% | 6th of 19 |
| 2–4 unit properties | 12.2% | 13.2% | 11th of 19 |
| Top five lenders' share | 21.1% | 21.4% | 18th of 19 |
| Reported business-purpose | 60.4% | 63.5% | 14th of 19 |
Tulsa County: closed-end loans on 1–4 unit investment properties. Tulsa County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Tulsa County's investor loans.
What stands out in Tulsa County
The five most active lenders wrote 21.1% of Tulsa County's investor loans, the 2nd-lowest share of Oklahoma's 19 counties with published data (statewide: 21.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Tulsa County's 1,763 investor loans ranked 2nd of Oklahoma's 19 counties with published data.
Does a DSCR loan pencil in Tulsa County?
At HUD's fair market rent of $1,611 for a 3-bedroom in Tulsa County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Tulsa County's median home value is $230,400; at that price the payment is $1,539 a month, so the property would need $1,550 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,229 / $1,611 / $1,882 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $230,400 |
| Median property taxes and effective rate | $2,227 (0.97% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,539 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Tulsa County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Tulsa County?
The most active investment-property lenders in Tulsa County in 2025 HMDA data were BancFirst, LEI:254900467HCJ72XZNJ32 and Arvest Bank, out of 171 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Tulsa County, and matches each file to the one most likely to fund it.
Tulsa County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,763 loans and $315.3M from 171 lenders. BancFirst led Tulsa County with 126 loans, 7.1% of the county's total, and the average Tulsa County loan of $179K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 126 | $15.4M | $123K | 38.1% |
| LEI:254900467HCJ72XZNJ32 | 73 | $13.2M | $181K | 94.5% |
| Arvest Bank | 63 | $11.0M | $175K | 61.9% |
| Kiavi Funding, Inc. | 56 | $9.4M | $168K | 87.5% |
| PANORAMA MORTGAGE GROUP, LLC | 54 | $6.8M | $127K | 100.0% |
| ASSOCIATED MORTGAGE CORPORATION | 52 | $8.6M | $165K | 80.8% |
| First United Bank and Trust Company | 45 | $10.0M | $223K | 75.6% |
| Armstrong Bank | 44 | $8.5M | $193K | 63.6% |
| American Heritage Bank | 44 | $5.7M | $130K | 68.2% |
| Stride Bank, National Association | 43 | $10.4M | $241K | 81.4% |
| First Oklahoma Bank | 43 | $7.1M | $165K | 88.4% |
| Firstar Bank | 41 | $8.0M | $195K | 65.9% |
| BOKF, National Association | 41 | $6.7M | $164K | 87.8% |
| Regent Bank | 38 | $6.9M | $182K | 47.4% |
| The First National Bank and Trust Company of Broken Arrow | 36 | $7.3M | $203K | 80.6% |
| Security Bank | 36 | $7.0M | $194K | 52.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 36 | $5.8M | $163K | 55.6% |
| Prosperity Bank | 32 | $5.9M | $183K | 53.1% |
| Triad Bank, National Association | 29 | $5.5M | $191K | 62.1% |
| Rocket Mortgage, LLC | 29 | $4.4M | $152K | 37.9% |
| First Bank of Owasso | 29 | $4.3M | $148K | 72.4% |
| BPL MORTGAGE TRUST, LLC | 28 | $2.8M | $101K | 57.1% |
| AVB Bank | 24 | $5.1M | $212K | 45.8% |
| AMERICAN HERITAGE LENDING, LLC | 24 | $2.3M | $94K | 8.3% |
| LEI:984500RF83EA742B5589 | 23 | $5.6M | $242K | 4.3% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Tulsa County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Tulsa County CSV, all 25 lenders
What Tulsa County's table can't show you: fit. Short-term financing is exempt from HMDA, so Tulsa County's fix-and-flip and bridge lenders barely appear among its 171 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Tulsa County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Tulsa County, Oklahoma property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Tulsa County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 171 lenders and 1,763 loans: 2025 HMDA loan-level data rolled up to Tulsa County.
- Tulsa County investor-lender dataset (CSV) — All 25 lenders in the Tulsa County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Tulsa County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Tulsa, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Tulsa County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.