# Stride Bank, National Association > **Canonical URL:** https://saferate.com/lenders/stride-bank-national-association > **πŸ“‹ 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 Stride Bank, National Association is a bank, headquartered in Enid, OK, serving borrowers across 29 states, with 1,367 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 47% of lenders for competitive rates - **Approval Rate:** Ranks in the top 21% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300O5WDIJU8S7OI05 - **Headquarters:** Enid, OK - **Geographic Reach:** Near-National - **States Served:** 29 - **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NM, OH, OK, PA, TN, TX, UT, VA, WA, WI, WY - **Markets (MSAs):** 7 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 53/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 79/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.320% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,537 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,367 - **Dollar Volume:** $392 million - **Applications Received:** 1,741 - **Market Share:** 4.00% ## Typical Borrower Profile - **Average Loan Amount:** $286,690 - **Average Borrower Income:** $125,952 - **Average Property Value:** $343,544 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **FHA Gold Superstar** (70%) - ⭐ **VA Gold Superstar** (70%) - ⭐ **Purchase Gold Superstar** (63%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 70/100 | 705 | +0.214% | $1,531 | Strong πŸ˜€ | | FHA | 78/100 | 419 | +0.711% | $1,599 | Strong πŸ˜€ | | VA | 77/100 | 201 | -0.194% | $1,330 | Strong πŸ˜€ | | USDA | 79/100 | 34 | +0.440% | $1,638 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 664 loans, Score: 71/100 (Strong) - Refinance: 41 loans, Score: 49/100 (Sound) **FHA:** - Purchase: 410 loans, Score: 78/100 (Strong) **VA:** - Purchase: 192 loans, Score: 77/100 (Strong) **USDA:** - Purchase: 34 loans, Score: 79/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 76/100 | 1,308 | $376M | +0.322% | Strong πŸ˜€ | | Refinance | 50/100 | 59 | $16M | +0.285% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | OK | 1,110 | 2.69% | 93/100 | | MO | 91 | 0.12% | 60/100 | | KS | 75 | 0.25% | 65/100 | | TX | 26 | 0.01% | 41/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Oklahoma City, OK | OK | 671 | 97/100 | | Tulsa, OK | OK | 239 | 79/100 | | Non | | 206 | 61/100 | | Kansas City, MO | MO-KS | 135 | 69/100 | | Enid, OK | OK | 13 | 43/100 | | Austin | TX | 10 | 38/100 | | Lawton, OK | OK | 10 | 43/100 | ## Where This Lender Ranks Stride Bank, National Association appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Oklahoma for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans) - πŸ₯‰ **#3** in Oklahoma City, OK Banks - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks) - πŸ₯‰ **#3** in Oklahoma City, OK for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‰ **#3** in Oklahoma City, OK for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/fha-loans) - πŸ₯‰ **#3** in Kansas for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/usda-loans) - πŸ† **#4** in Enid, OK for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Oklahoma for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Oklahoma for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans) - πŸ† **#5** in Tulsa, OK Banks - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks) - πŸ† **#5** in Tulsa, OK for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans) - πŸ† **#5** in Tulsa, OK for VA Loans (Banks) - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/va-loans) - πŸ† **#6** in Oklahoma Banks - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks) - πŸ† **#6** in Oklahoma City, OK for VA Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/va-loans) - πŸ† **#6** in Lawton, OK for VA Loans (Banks) - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks/va-loans) - πŸ† **#7** in Oklahoma City, OK - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders) - πŸ† **#7** in Enid, OK for Conventional Loans - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Oklahoma for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#8** in Oklahoma City, OK for Conventional Loans - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/conventional-loans) - πŸ† **#9** in Oklahoma for VA Loans (Banks) - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans) - πŸ† **#9** in Oklahoma City, OK for FHA Loans - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/fha-loans) ## Frequently Asked Questions ### What loan types does Stride Bank, National Association offer? Stride Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Stride Bank, National Association offer mortgages? Stride Bank, National Association offers mortgages in 29 states: AL, AR, AZ, CA, CO, FL, GA, IA, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NM, OH, OK, PA, TN, TX, UT, VA, WA, WI, WY. ### How competitive are Stride Bank, National Association's mortgage rates? Stride Bank, National Association has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.320% above market average. ### What type of lender is Stride Bank, National Association? Stride Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Enid, OK. ### What is Stride Bank, National Association's loan approval success rate? Stride Bank, National Association has a pull-through score of 79/100 (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/stride-bank-national-association ### How to Cite > "Stride Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stride-bank-national-association --- **[View Interactive Profile β†’](https://saferate.com/lenders/stride-bank-national-association)**