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Mortgage Loans

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Benefits of partnering with Triad Bank for a home loan include:

Easy application process
Fast approvals & pre-approvals
Personalized support
Variety of home loan products
View Loan types
All loans are subject to credit approval.

Triad Bank is a one-stop shop for Oklahomans to invest in homeownership. Work with us to get the best rates available on mortgage loans in Tulsa and surrounding communities.

Since Triad is a smaller bank, we can provide personalized support from start to finish, whether you’re a first-time homebuyer or looking to refinance. As a local lender, we work closely with our neighbors to make the home financing process as simple as possible.

Triad Bank provides a variety of home loans and mortgage products for a range of different financial goals. We specialize in conventional and jumbo mortgages, FHA, VA, and USDA.

Types of Mortgage Loans

Conventional Loan

If you have a high enough credit score and a large enough down payment, a  conventional mortgage might be right for you.

  • Low Down Payment
  • Competitive Interest Rates
  • Low Mortgage Insurance
Learn MoreApply Now
All loans are subject to credit approval.

Conventional Jumbo Loan

Best if you are buying a home with an above-average purchase price or if you live in a more expensive housing market.

  • Competitive Interest Rates
Learn MoreApply Now
All loans are subject to credit approval.

FHA Loan

A  Federal Housing Administration home loan is a good option for first-time home buyers who might have a lower credit score or need a low minimum down payment.

  • Low Down Payment
  • Flexible Credit
  • Competitive Interest Rates
  • Low Mortgage Insurance
Learn MoreApply Now
All loans are subject to credit approval.

VA Loan

VA Loans are only available to veterans, active-duty military members and their surviving spouses.

  • No Down Payment Required
  • Competitive Interest Rates
  • No Mortgage Insurance
Learn MoreApply Now
All loans are subject to credit approval.

VA Jumbo Loan

With a VA jumbo loan, homebuyers have increased access to homes in high-cost metro areas, while utilizing their VA loan benefits.

  • No Down Payment
  • Competitive Interest Rates
  • Low Mortgage Insurance
Learn MoreApply Now
All loans are subject to credit approval.

USDA Rural Development

This is a 100% financed mortgage loan, insured by the USDA to promote home ownership in less-dense communities.

In Eligible Area
  • No Down Payment Required
  • Competitive Interest Rates
  • Low Mortgage Insurance
  • Manufactured Housing Allowed
Check Property Eligibility
Learn MoreApply Now
All loans are subject to credit approval.

Vacation & Second Homes

Secure that annual getaway and purchase your dream vacation home! There are more options than you’d think to finance a second property, so talk to us today about yours.

Learn MoreApply Now
All loans are subject to credit approval.

HUD 184 Loan

This program is specifically for American Indian and Alaska Native families. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance..

  • Low Down Payment
  • Competitive Interest Rates
  • Low Mortgage Insurance
  • Flexible Credit
  • Manufactured Housing Allowed
Learn MoreApply Now
All loans are subject to credit approval.

Mortgage Refinancing

Thinking of refinancing your home mortgage for a lower monthly payment or to finance other goals?
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Here are a few reasons Triad customers refinance their home mortgage:

  • Lower monthly payments
  • Shorten loan terms
  • Take advantage of lower interest rates
  • Consolidate debt with cash-out
  • Make home renovations
  • Take that dream vacation
triad bank financial calculator graphicUse our Mortgage Calculator to see how different rates and terms best fit your lifestyle.

Funds Availability Policy

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Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.

USA Patriot Act

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Help Us Prevent Identity Fraud
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According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.
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The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
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Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.

Identity Theft Education

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Identity theft is when someone has access to your personal information, such as your name, date of birth, and Social Security number, and uses it to commit fraud.
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Identity thieves can cost you both time and money. Recognize the signs of ID theft and take immediate action.

  • Unauthorized activity is detected on your bank account or on new accounts that you have on your credit report.
  • Unexpected calls and letters from debt collectors arrive about loans or other debts that you do not owe.
  • The IRS has notified you that there is a possibility that your tax return may be incorrect or that your tax return was filed under your name previously.
  • You are notified that your account was accessed using a device you don’t recognize.
  • You are charged for medical services that you did not receive.
  • Bank statements and bills are no longer sent by mail.
  • Credit is suddenly denied to you.

Anyone can become a victim of identity (ID) theft. These steps can help reduce the risk of ID theft.

1) Secure your personal data.

  • Don't give out personal information to anyone via email, text, or phone call.
  • Switch to paperless statements.
  • Don't put anything with your Social Security Number on it in your wallet. Only give it out when absolutely necessary.
  • Do not overshare on social media. Use privacy controls to ensure that your personal information isn't made public.
  • Talk to your children about internet safety and make sure they don't share any information online without permission.

2) Protect all of your devices.

  • Make sure you keep your devices up-to-date with the most recent security patches and software.
  • Use a password that is at least 8 characters to secure your home Wi-Fi network and devices.
  • When possible, enable biometrics like fingerprint sign-on, retina/facial identification.

3) You can control who can access your accounts.

  • For each account, create a strong password and don't reuse it on any other website.
  • Multifactor authentication is a great way to provide extra security when signing in to accounts.
  • To help you keep your accounts safe and monitor your finances, activate account alerts.
  • Confirm that your email address and phone number are correct in your financial accounts.

If you are a victim of ID theft, act quickly. Report identity theft and get a recovery plan at IdentityTheft.gov.
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United, we have the power to combat fraud. We believe that knowledge is the best defense against fraud. Learn more by visiting AARP Identity Theft or the Identity Theft Resource Center.

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