Joann Garrison

Loan Officer



Branch Address

12028 S.Norwood Ave., Suite 300 Tulsa, OK 74137


Cell: 918-640-9926

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JoAnn Garrison started her career with American Airlines. When the company did massive layoffs, a friend of JoAnn’s who was an underwriter, suggested she give the mortgage industry a try. JoAnn took her friend’s advice and quickly fell in love with home lending. Since 2002, JoAnn has been helping people across Oklahoma achieve their homeownership goals.

With over twenty years of experience, JoAnn can provide guidance on all types of loan programs and products, but she especially enjoys working with those seeking first-time homebuyer programs and VA loans. She feels very invested in her clients and likes to take care of them. A natural nurturer, JoAnn’s favorite quote sums up her helping nature: “No one cares how much you know until they know how much you care.”

Veterans hold a special place in JoAnn’s heart. She has an immense respect for the sacrifices they have made and the challenges they face. A VA loan specialist, JoAnn understands the unique needs of those who have served. She is incredibly sensitive to the needs of those suffering PTSD, poor credit challenges and disabilities.

A majority of JoAnn’s clients are also first-time homebuyers. She loves to provide education on the mortgage process and help someone who does not see a path to homeownership. She is a strong advocate for her clients and works diligently to overcome obstacles and help them achieve the dream of owning their own home.

JoAnn also likes to stay involved and give back to her local community. She is a strategic partner and past board member of the Women’s Council of Realtors – Tulsa chapter. Through their partnership with the Greater Tulsa Realtors Association and Family & Children’s Services, the WCR contributes to the annual Backpacks for Kids program. JoAnn is a past and current co-chair of the event and the WCR donated $13,000 to the 2023 school year.

If you are thinking about buying a home, but don’t where to start, give JoAnn a call. When you work with JoAnn Garrison, there’s no comparison!

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I am committed to being in your corner and promise to empower you with all the information needed to choose the right loan for you

Mortgage Programs Explained

There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.