# Armstrong Bank

> **Canonical URL:** https://saferate.com/lenders/armstrong-bank


> **📋 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


Armstrong Bank is a bank, headquartered in Muskogee, OK, serving borrowers across 3 states, with 122 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300O2D8BPO6PJRB90
- **Headquarters:** Muskogee, OK
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AR, MO, OK
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.517%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,003
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 122
- **Dollar Volume:** $29 million
- **Applications Received:** 181
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $237,787
- **Average Borrower Income:** $124,951
- **Average Property Value:** $347,131

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 118 | +0.526% | $1,916 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 89 loans, Score: 44/100 (Sound)
- Refinance: 29 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 91 | $23M | +0.415% | Sound ☺️ |
| Refinance | 49/100 | 31 | $6M | +0.698% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 89 | 0.22% | 70/100 |
| AR | 32 | 0.10% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 44 | 48/100 |
| Fort Smith, AR | AR-OK | 25 | 60/100 |
| Tulsa, OK | OK | 23 | 55/100 |
| Fayetteville | AR | 20 | 55/100 |
| Oklahoma City, OK | OK | 10 | 45/100 |

## Where This Lender Ranks

Armstrong Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Fort Smith, AR Banks
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks)
- 🏆 **#13** in Fort Smith, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Armstrong Bank offer?

Armstrong Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Armstrong Bank offer mortgages?

Armstrong Bank offers mortgages in 3 states: AR, MO, OK.

### How competitive are Armstrong Bank's mortgage rates?

Armstrong Bank has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.517% above market average.

### What type of lender is Armstrong Bank?

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

### What is Armstrong Bank's loan approval success rate?

Armstrong Bank has a pull-through score of 36/100 (Acceptable). 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/armstrong-bank

### How to Cite

> "Armstrong Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/armstrong-bank

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