# Great Plains National Bank

> **Canonical URL:** https://saferate.com/lenders/great-plains-national-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


Great Plains National Bank is a bank, headquartered in Elk City, OK, serving borrowers across 15 states, with 1,076 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XKEC7P1D7OKJ16
- **Headquarters:** Elk City, OK
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, AR, CA, CO, FL, IL, IN, KS, KY, LA, MO, NC, NM, OK, TX
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.478%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,190
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,076
- **Dollar Volume:** $290 million
- **Applications Received:** 1,321
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,191
- **Average Borrower Income:** $133,901
- **Average Property Value:** $331,348

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 550 | +0.455% | $2,469 | Strong 😀 |
| FHA | 79/100 | 332 | +0.655% | $1,961 | Strong 😀 |
| VA | 77/100 | 131 | -0.163% | $1,064 | Strong 😀 |
| Jumbo | 41/100 | 11 | +0.510% | $1,132 | Sound ☺️ |
| USDA | 83/100 | 52 | +0.414% | $2,015 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 480 loans, Score: 75/100 (Strong)
- Refinance: 70 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 314 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 129 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 52 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 985 | $269M | +0.453% | Strong 😀 |
| Refinance | 61/100 | 91 | $21M | +0.665% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 957 | 2.32% | 92/100 |
| TX | 102 | 0.03% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 582 | 96/100 |
| Non |  | 278 | 67/100 |
| Enid, OK | OK | 64 | 96/100 |
| Dallas | TX | 61 | 59/100 |
| Tulsa, OK | OK | 33 | 54/100 |
| Fort Worth | TX | 24 | 50/100 |

## Where This Lender Ranks

Great Plains National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Oklahoma City, OK for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Enid, OK
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders)
- 🥇 **#1** in Enid, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Enid, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Enid, OK for VA Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Enid, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Oklahoma City, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Oklahoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Enid, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Oklahoma City, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Oklahoma City, OK for VA Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Enid, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Oklahoma for VA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Oklahoma for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Oklahoma City, OK Banks
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks)
- 🏆 **#6** in Oklahoma City, OK for USDA Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/usda-loans)
- 🏆 **#9** in Oklahoma City, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Oklahoma City, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Tulsa, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Great Plains National Bank offer?

Great Plains National Bank 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 Great Plains National Bank offer mortgages?

Great Plains National Bank offers mortgages in 15 states: AL, AR, CA, CO, FL, IL, IN, KS, KY, LA, MO, NC, NM, OK, TX.

### How competitive are Great Plains National Bank's mortgage rates?

Great Plains National Bank has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.478% above market average.

### What type of lender is Great Plains National Bank?

Great Plains National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Elk City, OK.

### What is Great Plains National Bank's loan approval success rate?

Great Plains National Bank has a pull-through score of 81/100 (Exceptional). 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/great-plains-national-bank

### How to Cite

> "Great Plains National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/great-plains-national-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/great-plains-national-bank)**