# BOKF, National Association

> **Canonical URL:** https://saferate.com/lenders/bokf-national-association


> **📋 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


BOKF, National Association is a bank, headquartered in Tulsa, OK, serving borrowers nationwide, with 3,217 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** FU7RSW4CQQY98A2O7J66
- **Headquarters:** Tulsa, OK
- **Geographic Reach:** National
- **States Served:** 45
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.382%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,661
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,217
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 4,637
- **Market Share:** 9.00%

## Typical Borrower Profile

- **Average Loan Amount:** $377,164
- **Average Borrower Income:** $188,664
- **Average Property Value:** $508,721

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 2,480 | +0.360% | $1,573 | Exceptional 🤩 |
| FHA | 79/100 | 415 | +0.760% | $2,360 | Strong 😀 |
| VA | 74/100 | 130 | -0.048% | $2,527 | Strong 😀 |
| Jumbo | 80/100 | 176 | +0.129% | $959 | Exceptional 🤩 |
| USDA | 73/100 | 16 | +0.520% | $1,360 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,143 loans, Score: 82/100 (Exceptional)
- Refinance: 337 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 390 loans, Score: 79/100 (Strong)
- Refinance: 25 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 123 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 149 loans, Score: 81/100 (Exceptional)
- Refinance: 27 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,821 | $1.1B | +0.343% | Exceptional 🤩 |
| Refinance | 75/100 | 396 | $133M | +0.654% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 1,118 | 2.71% | 91/100 |
| NM | 636 | 3.10% | 91/100 |
| CO | 514 | 0.62% | 78/100 |
| TX | 431 | 0.12% | 70/100 |
| KS | 146 | 0.49% | 72/100 |
| AZ | 94 | 0.09% | 59/100 |
| AR | 82 | 0.25% | 60/100 |
| MO | 65 | 0.09% | 54/100 |
| FL | 21 | 0.01% | 37/100 |
| NC | 11 | 0.01% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tulsa, OK | OK | 650 | 90/100 |
| Non |  | 538 | 71/100 |
| Albuquerque, NM | NM | 463 | 91/100 |
| Oklahoma City, OK | OK | 300 | 83/100 |
| Denver | CO | 230 | 72/100 |
| Kansas City, MO | MO-KS | 135 | 66/100 |
| Dallas | TX | 114 | 63/100 |
| Houston | TX | 111 | 62/100 |
| Phoenix | AZ | 84 | 59/100 |
| Fort Worth | TX | 74 | 62/100 |
| Santa Fe, NM | NM | 68 | 91/100 |
| Fayetteville | AR | 67 | 63/100 |
| Enid, OK | OK | 34 | 71/100 |
| Wichita, KS | KS | 31 | 55/100 |
| Killeen | TX | 27 | 53/100 |

## Where This Lender Ranks

BOKF, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Albuquerque, NM for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Santa Fe, NM for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Enid, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Enid, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Albuquerque, NM for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Oklahoma City, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Santa Fe, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Tulsa, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Tulsa, OK for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Tulsa, OK for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Albuquerque, NM for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Albuquerque, NM for Jumbo Loans
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Oklahoma City, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Santa Fe, NM Banks
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/banks)
- 🥉 **#3** in Santa Fe, NM for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Enid, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Tulsa, OK for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in New Mexico for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Albuquerque, NM for Conventional Loans
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does BOKF, National Association offer?

BOKF, National Association 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 BOKF, National Association offer mortgages?

BOKF, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are BOKF, National Association's mortgage rates?

BOKF, National Association has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.382% above market average.

### What type of lender is BOKF, National Association?

BOKF, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Tulsa, OK.

### What is BOKF, National Association's loan approval success rate?

BOKF, National Association has a pull-through score of 71/100 (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/bokf-national-association

### How to Cite

> "BOKF, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bokf-national-association

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