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10 Best Non-QM Lenders in Tulsa

This ranking identifies the ten strongest Non-QM lenders available to Tulsa borrowers, including self-employed professionals, real estate investors, and anyone whose income falls outside conventional agency guidelines. Each lender was evaluated on product breadth, Oklahoma market presence, and suitability for alternative-documentation scenarios. Whether you need a bank statement loan, a DSCR investment property mortgage, or a flexible underwriting path, this list provides a practical starting point.

LoanWise Editorial Team

Isometric scene of Tulsa downtown buildings, rental homes, and a mortgage office with small figures reviewing loan documents and exchanging property keys.

Tulsa's real estate market has matured into one of Oklahoma's most active lending environments, drawing both owner-occupant buyers and rental property investors who are capitalizing on the city's relatively affordable price points, steady population base, and growing employment sectors. For borrowers who don't fit the standard W-2 income mold — self-employed professionals, landlords qualifying on cash flow, and those with prior credit events — the conventional mortgage market can feel like a closed door. That's where Non-QM lending becomes essential.

Non-Qualified Mortgages (Non-QM) are loan products that operate outside the ability-to-repay documentation rules governing agency-backed mortgages. Rather than relying on tax returns and employer verification, Non-QM lenders qualify borrowers using alternative income documentation — including 12- or 24-month bank statements, 1099 income, Debt Service Coverage Ratio (DSCR) analysis on rental properties, and asset-based qualification. For Tulsa's self-employed business owners and active real estate investors, these products can be the difference between accessing capital and sitting on the sidelines.

The lenders featured in this ranking were evaluated across several key dimensions:

  • Product mix: The breadth and depth of Non-QM programs offered, including bank statement, DSCR, asset-based, and foreign national options
  • Tulsa and Oklahoma market presence: Whether the lender has a documented local, statewide, or direct-to-consumer footprint serving Tulsa borrowers
  • Borrower and investor fit: How well each lender's programs align with the most common Non-QM borrower profiles in the Tulsa market
  • Accessibility: Whether the lender operates through retail, wholesale/broker, or correspondent channels — and what that means for Tulsa borrowers

The result is a curated list spanning national Non-QM specialists, Oklahoma-rooted lenders, and locally present mortgage companies — giving Tulsa borrowers a comprehensive view of where to turn when conventional financing isn't the right fit.

#1

Angel Oak Mortgage Solutions

Dedicated Non-QM specialist for self-employed and investor borrowers

Max LTV

90%

Min Credit Score

620

Loan Range

$100K–$4M

Quoted Rate Range

7%–9.75%

Quoted Closing Speed

25–40 days

Angel Oak Mortgage Solutions stands out for its singular focus on Non-QM lending and broad alternative-documentation product shelf. It is a strong fit for Tulsa borrowers and brokers needing bank statement, investor cash-flow, and flexible underwriting options.
#2

Griffin Funding

Statewide Oklahoma Non-QM platform with strong investor options

Max LTV

90%

Min Credit Score

620

Loan Range

$100K–$5M

Quoted Rate Range

7.25%–9.75%

Quoted Closing Speed

21–35 days

Griffin Funding markets a robust Oklahoma Non-QM presence and specifically notes service across Tulsa and other major Oklahoma cities. Its menu includes bank statement, DSCR, asset-based, and foreign national loans, making it one of the most versatile choices for Tulsa borrowers.
#3

Stride Mortgage

Oklahoma-rooted lender with expanded Non-QM solutions

Primary Operations Cities Mentioned

3

Alternative Program Types Cited

4

States Mentioned in Footprint

2+

Tulsa Presence

Yes

Stride Mortgage benefits from an established Oklahoma footprint and business presence centered in Oklahoma City and Tulsa. Its expanded Non-QM lineup includes bank statement, 1099, DSCR, and asset-based lending, giving local borrowers a credible in-state option.
4
#4

Brokers First Funding

Wholesale Oklahoma Non-QM lender for broker-driven transactions

Core Non-QM Product Types Cited

3

State Page Coverage

Oklahoma

Channel

Wholesale

Tulsa Relevance

Broker-supported

Brokers First Funding is directly relevant to Tulsa through its Oklahoma state page and explicit focus on bank statement, DSCR, and Non-QM lending. It is especially useful for mortgage brokers seeking a wholesale execution partner for complex files.
5
#5

Capital Home Mortgage

Oklahoma-focused Non-QM mortgage lender with local specialist access

Published Oklahoma Specialist Phone

(405) 310-8850

State-Specific Non-QM Page

Yes

Product Focus

Non-Qualified Mortgage

Tulsa Relevance

Statewide Oklahoma

Capital Home Mortgage markets Oklahoma Non-Qualified Mortgage Loans directly and provides a local specialist contact for the state. That Oklahoma-specific positioning makes it relevant for Tulsa borrowers who want a lender signaling local availability for alternative-income scenarios.
6
#6

A&D Mortgage

Investor-focused Non-QM lender with DSCR and bank statement programs

Core Non-QM Product Types Cited

3

Primary Focus

Non-QM

Investor Relevance

Yes

Tulsa Fit

Self-employed and rental market

A&D Mortgage is a strong Non-QM-focused lender with products tailored to bank statement borrowers, DSCR investors, and nontraditional income files. It is relevant in Tulsa for brokers and borrowers prioritizing flexible qualification for rental and self-employed scenarios.
7
#7

Deephaven Mortgage

Dedicated Non-QM lender for bank statement and DSCR borrowers

Core Non-QM Borrower Segments Cited

3

Primary Focus

Non-QM

Investor Program Relevance

Yes

Alternative Income Relevance

Yes

Deephaven Mortgage is known as a dedicated Non-QM lender with wide utility for bank statement, DSCR, and prior-credit-event borrowers. For Tulsa mortgage professionals, it is a credible option when conventional guidelines are too restrictive.
8
#8

Acra Lending

Longstanding Non-QM lender serving complex borrower profiles

Core Non-QM Product Types Cited

2+

Primary Focus

Non-QM

Investor Relevance

Yes

Complex Scenario Fit

Yes

Acra Lending brings a longstanding Non-QM reputation and addresses bank statement and investor-focused scenarios effectively. Tulsa brokers may find it valuable for borrowers with more layered income, credit, or property situations.
9
#9

ZFG Mortgage

Tulsa mortgage company actively marketing Non-QM loans

Published Phone Extension

918-459-6530 x105

Tulsa Presence

Yes

Program Types Page

Yes

Non-QM Mention

Yes

ZFG Mortgage earns a place because it is locally relevant in Tulsa and specifically markets Non-QM loans on its loan programs page. For borrowers wanting a Tulsa-area lender with visible Non-QM availability, it is a practical local option.
10
#10

Carrington Mortgage Services

Large mortgage platform with flexible Non-QM-style options

Core Flexible Product Types Cited

2+

Primary Footprint

National

Investor Relevance

Yes

Alternative Income Relevance

Yes

Carrington Mortgage Services rounds out the list with a broad mortgage platform that includes bank statement and investor-friendly lending options. It is less Tulsa-specific than higher-ranked lenders, but still relevant for borrowers seeking flexible qualification through an established brand.

●Conclusion

Choosing the right Non-QM lender in Tulsa is not simply a matter of finding the lowest rate. Because Non-QM products are priced to reflect the additional underwriting flexibility they provide, rates will generally run above what agency-qualified borrowers receive. The more important question is whether the lender's specific programs, documentation requirements, and underwriting latitude match your financial profile and investment strategy.

When comparing lenders from this ranking, consider the following factors:

Income documentation type: Not all Non-QM lenders offer every documentation method. If you are self-employed and plan to qualify using 12 or 24 months of bank statements, confirm that the lender you choose has a mature bank statement program — not just a passing mention. If you own rental properties and want to qualify on DSCR, look for lenders with investor-specific underwriting experience rather than those offering DSCR as a secondary product.

Loan-to-value limits and down payment requirements: Maximum LTV ratios in Non-QM lending typically range from 75% to 90% depending on the program and borrower profile. A higher LTV means less cash required upfront but may carry higher pricing. Confirm the LTV ceiling for your specific scenario before comparing rate quotes.

Rate range and total cost: Quoted rate ranges in Non-QM lending reflect a wide spectrum of borrower risk and scenario complexity. The rate you receive will depend on your credit score, LTV, documentation type, and property type. Always request a Loan Estimate and compare the APR — not just the note rate — to account for lender fees.

Closing speed: If you are competing for a property or need to refinance on a schedule, closing timelines matter. Quoted closing speeds among Non-QM lenders in this ranking range from approximately 21 to 40 days, and actual execution may vary based on file complexity and broker channel throughput.

Channel fit — retail versus wholesale: Some lenders on this list operate primarily through the broker/wholesale channel, meaning you will need to work with a licensed mortgage broker to access their programs. Others offer direct-to-consumer retail lending. Knowing which channel a lender uses will help you engage them correctly and avoid wasted time.

Tulsa borrowers and real estate investors are encouraged to compare at least two or three lenders from this list before committing to a program. The Non-QM market is competitive, and lender guidelines, pricing, and product availability can shift. Aligning with a lender whose core competency matches your specific financing need — rather than simply choosing the most recognized name — will typically produce the best outcome.

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