# American Bank of Oklahoma

> **Canonical URL:** https://saferate.com/lenders/american-bank-of-oklahoma


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


American Bank of Oklahoma is a bank, headquartered in Collinsville, OK, serving borrowers across 7 states, with 260 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ON2ILGPUVKZT28
- **Headquarters:** Collinsville, OK
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AR, IN, KS, MO, OK, TX, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.047%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,905
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 260
- **Dollar Volume:** $65 million
- **Applications Received:** 323
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $250,615
- **Average Borrower Income:** $115,696
- **Average Property Value:** $308,192

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 110 | +0.070% | $2,531 | Sound ☺️ |
| FHA | 67/100 | 116 | -0.081% | $3,108 | Strong 😀 |
| VA | 60/100 | 22 | -0.403% | $3,563 | Strong 😀 |
| USDA | 71/100 | 12 | -0.103% | $2,869 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 95 loans, Score: 41/100 (Sound)

**FHA:**
- Purchase: 110 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 236 | $59M | -0.020% | Sound ☺️ |
| Refinance | 39/100 | 24 | $6M | -0.379% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 245 | 0.59% | 80/100 |
| TX | 10 | 0.00% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 137 | 63/100 |
| Tulsa, OK | OK | 102 | 73/100 |

## Where This Lender Ranks

American Bank of Oklahoma appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Oklahoma Banks
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks)
- 🏆 **#4** in Oklahoma for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Tulsa, OK Banks
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks)
- 🏆 **#4** in Tulsa, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Tulsa, OK
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders)
- 🏆 **#8** in Oklahoma
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders)
- 🏆 **#8** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Tulsa, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Oklahoma for USDA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/usda-loans)
- 🏆 **#12** in Oklahoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans)
- 🏆 **#17** in Oklahoma for FHA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Tulsa, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does American Bank of Oklahoma offer?

American Bank of Oklahoma offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American Bank of Oklahoma offer mortgages?

American Bank of Oklahoma offers mortgages in 7 states: AR, IN, KS, MO, OK, TX, WA.

### How competitive are American Bank of Oklahoma's mortgage rates?

American Bank of Oklahoma has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.047% below market average.

### What type of lender is American Bank of Oklahoma?

American Bank of Oklahoma is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Collinsville, OK.

### What is American Bank of Oklahoma's loan approval success rate?

American Bank of Oklahoma has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-bank-of-oklahoma

### How to Cite

> "American Bank of Oklahoma Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-bank-of-oklahoma

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