# BancFirst

> **Canonical URL:** https://saferate.com/lenders/bancfirst


> **📋 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


BancFirst is a bank, headquartered in Oklahoma City, OK, serving borrowers across 2 states, with 1,117 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300MNZECUR067HB12
- **Headquarters:** Oklahoma City, OK
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.340%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,299
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,117
- **Dollar Volume:** $252 million
- **Applications Received:** 1,509
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,654
- **Average Borrower Income:** $130,124
- **Average Property Value:** $313,111

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 908 | +0.291% | $1,243 | Strong 😀 |
| FHA | 67/100 | 136 | +0.794% | $1,356 | Strong 😀 |
| VA | 62/100 | 27 | -0.166% | $2,014 | Strong 😀 |
| Jumbo | 67/100 | 14 | -0.415% | $2,599 | Strong 😀 |
| USDA | 79/100 | 32 | +0.397% | $1,384 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 723 loans, Score: 75/100 (Strong)
- Refinance: 185 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 135 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 25 loans, Score: 62/100 (Strong)

**USDA:**
- Purchase: 32 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 927 | $226M | +0.318% | Strong 😀 |
| Refinance | 73/100 | 190 | $26M | +0.450% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 1,113 | 2.70% | 94/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 545 | 75/100 |
| Oklahoma City, OK | OK | 387 | 90/100 |
| Tulsa, OK | OK | 137 | 72/100 |
| Lawton, OK | OK | 34 | 68/100 |

## Where This Lender Ranks

BancFirst appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Lawton, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Lawton, OK Banks
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks)
- 🏆 **#7** in Oklahoma City, OK for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Oklahoma City, OK for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Oklahoma for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Oklahoma City, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Tulsa, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Lawton, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Oklahoma for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Lawton, OK
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders)
- 🏆 **#12** in Tulsa, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Oklahoma for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#15** in Oklahoma City, OK Banks
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks)
- 🏆 **#15** in Oklahoma City, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Oklahoma City, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/va-loans)
- 🏆 **#15** in Tulsa, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Tulsa, OK Banks
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks)
- 🏆 **#17** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Tulsa, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does BancFirst offer?

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

### Where does BancFirst offer mortgages?

BancFirst offers mortgages in 2 states: OK, TX.

### How competitive are BancFirst's mortgage rates?

BancFirst has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.340% above market average.

### What type of lender is BancFirst?

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

### What is BancFirst's loan approval success rate?

BancFirst has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/bancfirst

### How to Cite

> "BancFirst Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bancfirst

---

**[View Interactive Profile →](https://saferate.com/lenders/bancfirst)**