Looking for a different lender?
A
American Bank of Oklahoma
Bank|Collinsville, OK|Multi-Region
Loans Originated
260
Applications
323
Volume
$65 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.047%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,905
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 4.70 basis points below market average
- Strong pull through performance
- Particularly strong in FHA and VA and USDA loans
Report Card
American Bank of Oklahoma performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Multi-Regional · 2 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$250,615
Average Borrower Income
$115,696
Average Property Value
$308,192
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 110 | 42.3% | +0.070% | $2,531 |
FHA Loans | Strong | Strong | Strong | Strong | 116 | 44.6% | -0.081% | $3,108 |
VA Loans | Strong | Strong | N/A | Strong | 22 | 8.5% | -0.403% | $3,563 |
USDA Loans | Strong | Strong | N/A | N/A | 12 | 4.6% | -0.103% | $2,869 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Strong | 236 | 90.8% | -0.020% | $2,806 |
Refinance | Sound | Acceptable | N/A | Strong | 24 | 9.2% | -0.379% | $4,107 |
Geographic Coverage
Metro Areas
1
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARINKSMOOKTXWA
Top Metro Areas by Place Specialization Score
1
Tulsa, OK, OKMSA
Volume: 102Mix: 39.23%
Place Specialization
Strong
Top States by Place Specialization Score
1
OKState
Volume: 245Mix: 94.23%
Place Specialization
Strong
2
TXState
Volume: 10Mix: 3.85%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare American Bank of Oklahoma with other lenders or get personalized recommendations.