# MidFirst Bank

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


MidFirst Bank is a bank, headquartered in Oklahoma City, OK, serving borrowers across 19 states, with 637 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 337KMNHEWWWR6B7Q7W10
- **Headquarters:** Oklahoma City, OK
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AR, AZ, CA, CO, FL, GA, IL, IN, MN, MO, NM, NV, OH, OK, SC, TN, TX, UT, VA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 95.2%
- **Brokered/Wholesale:** 4.8%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.145%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $591
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 637
- **Dollar Volume:** $394 million
- **Applications Received:** 870
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $618,014
- **Average Borrower Income:** $361,273
- **Average Property Value:** $873,603

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 446 | -0.166% | $576 | Sound ☺️ |
| FHA | 56/100 | 31 | +0.536% | $1,156 | Sound ☺️ |
| Jumbo | 84/100 | 155 | -0.210% | $499 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 416 loans, Score: 60/100 (Strong)
- Refinance: 30 loans, Score: 40/100 (Sound)

**FHA:**
- Purchase: 29 loans, Score: 55/100 (Sound)

**Jumbo:**
- Purchase: 141 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 591 | $359M | -0.150% | Strong 😀 |
| Refinance | 46/100 | 46 | $35M | -0.074% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 274 | 0.66% | 79/100 |
| TX | 157 | 0.04% | 64/100 |
| CA | 75 | 0.03% | 55/100 |
| AZ | 73 | 0.07% | 61/100 |
| CO | 18 | 0.02% | 44/100 |
| UT | 14 | 0.03% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 186 | 81/100 |
| Dallas | TX | 100 | 67/100 |
| Phoenix | AZ | 71 | 61/100 |
| Tulsa, OK | OK | 61 | 64/100 |
| Los Angeles | CA | 59 | 61/100 |
| Non |  | 40 | 38/100 |
| Houston | TX | 36 | 53/100 |
| Denver | CO | 10 | 40/100 |

## Where This Lender Ranks

MidFirst Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Oklahoma City, OK
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders)
- 🥇 **#1** in Oklahoma City, OK Banks
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks)
- 🥇 **#1** in Oklahoma City, OK for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Oklahoma City, OK for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Tulsa, OK
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders)
- 🥇 **#1** in Tulsa, OK Banks
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks)
- 🥇 **#1** in Tulsa, OK for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Tulsa, OK for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Oklahoma
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders)
- 🥈 **#2** in Oklahoma Banks
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks)
- 🥉 **#3** in Oklahoma for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Oklahoma for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** 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 Tulsa, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Oklahoma City, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#16** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Oklahoma City, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Tulsa, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does MidFirst Bank offer?

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

### Where does MidFirst Bank offer mortgages?

MidFirst Bank offers mortgages in 19 states: AR, AZ, CA, CO, FL, GA, IL, IN, MN, MO, NM, NV, OH, OK, SC, TN, TX, UT, VA.

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

MidFirst Bank has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.145% below market average.

### What type of lender is MidFirst Bank?

MidFirst Bank 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 MidFirst Bank's loan approval success rate?

MidFirst Bank has a pull-through score of 63/100 (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/midfirst-bank

### How to Cite

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

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