The victory was Memphis' 50th home win since 2014, joining Clemson, Alabama and Ohio State.
Howard booted a 49-yard field goal in the first quarter to stake the Tigers to a 10-3 lead and added a 31-yarder as time expired in the first half. He connected from 44-yards out in the final minute of the third quarter and added a 32-yard kick with 32 seconds left in the game.
Memphis fumbled on its first possession and Tulsa turned it into a 24-yard field goal from Zack Long to take a 3-0 lead, but the Tigers rolled to 23 straight points and took a 23-3 lead heading into the fourth quarter.
Braylon Braxton got Tulsa in the end zone with a 13-yard pass to Keylon Stokes with under six minutes left in the game.
Henigan was 20 for 34 for 262 yards passing and a touchdown to lead Memphis (5-5, 3-4 American Athletic Association), which managed just 79 yards on 39 carries.
Two quarterbacks were a combined 17-of-37 passing for 176 yards and Tulsa (3-7, 1-5) had just 31 yards rushing on 23 carries.
The game was stopped numerous times because on-field fights and Memphis had a player ejected with 1:16 left in the game after throwing punches at a Tulsa player after a play was blown dead.
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