What loan types does American Bank of Oklahoma offer?

American Bank of Oklahoma offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does American Bank of Oklahoma offer mortgages?

American Bank of Oklahoma offers mortgages in 7 states: AR, IN, KS, MO, OK, TX, WA.

How competitive are American Bank of Oklahoma's mortgage rates?

American Bank of Oklahoma has an overall pricing score of 60.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Bank of Oklahoma?

American Bank of Oklahoma is a Bank headquartered in Collinsville, OK.

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American Bank of Oklahoma

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American Bank of Oklahoma has 260 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Multi-Region · 1 mkts

Awards

FHA

Superstar

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

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Report Card

American Bank of Oklahoma performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 4.7 bps below market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$2,531Fees
FHA Loans	Strong	Strong	Strong	Strong	116	44.6%	-0.081%Below	$3,108Fees
VA Loans	Strong	Strong	—	Strong	22	8.5%	-0.403%Below	$3,563Fees
USDA Loans	Strong	Strong	—	—	12	4.6%	-0.103%Below	$2,869Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume110

Mix42.3%

Spread

+0.070%Above

Fees

$2,531Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume116

Mix44.6%

Spread

-0.081%Below

Fees

$3,108Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume22

Mix8.5%

Spread

-0.403%Below

Fees

$3,563Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume12

Mix4.6%

Spread

-0.103%Below

Fees

$2,869Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	236	90.8%	-0.020%Below	$2,806Fees
Refinance	Sound	Acceptable	—	Strong	24	9.2%	-0.379%Below	$4,107Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume236

Mix90.8%

Spread

-0.020%Below

Fees

$2,806Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume24

Mix9.2%

Spread

-0.379%Below

Fees

$4,107Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

260

Applications

323

Volume

$65 million

Pricing & Closing

Avg Rate Spread

-0.047%

vs. market APOR

Avg Net Fees

$2,905

Origination − Credits

Pullthrough Rate

80.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$250,615

Avg Borrower Income

$115,696

Avg Property Value

$308,192

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest3

INKSMO

South3

AROKTX

West1

Top Metro Areas by Place Specialization Score

Tulsa, OKMetro

Volume 102Mix 39.23% of portfolio

73/100

Strong

Top States by Place Specialization Score

OklahomaState

Volume 245Mix 94.23% of portfolio

80/100

Strong

TexasState

Volume 10Mix 3.85% of portfolio

36/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.