We analyzed every closed loan from Bokf — 3.2k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 21 mkts
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Bokf performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+38.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 22 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 | 2,480 | 77.1% | +0.360%Above | $1,573Fees | ||||
FHA Loans | 415 | 12.9% | +0.760%Above | $2,360Fees | ||||
VA Loans | 130 | 4.0% | -0.048%Below | $2,527Fees | ||||
Jumbo Loans | 176 | 5.5% | +0.129%Above | $959Fees | ||||
USDA Loans | — | 16 | 0.5% | +0.520%Above | $1,360Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,480
Mix77.1%
Spread
+0.360%Above
Fees
$1,573Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume415
Mix12.9%
Spread
+0.760%Above
Fees
$2,360Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume130
Mix4.0%
Spread
-0.048%Below
Fees
$2,527Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume176
Mix5.5%
Spread
+0.129%Above
Fees
$959Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume16
Mix0.5%
Spread
+0.520%Above
Fees
$1,360Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,821 | 87.7% | +0.343%Above | $1,726Fees | ||||
Refinance | 396 | 12.3% | +0.654%Above | $1,208Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,821
Mix87.7%
Spread
+0.343%Above
Fees
$1,726Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume396
Mix12.3%
Spread
+0.654%Above
Fees
$1,208Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,217
Applications
4,637
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.382%
vs. market APOR
Avg Net Fees
$1,661
Origination − Credits
Pullthrough Rate
69.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$377,164
Avg Borrower Income
$188,664
Avg Property Value
$508,721
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
45
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
45Northeast6
CTNHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARDCFLGAKYMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 68Mix 2.11% of portfolio
91/100
Exceptional
Volume 463Mix 14.39% of portfolio
91/100
Exceptional
Volume 650Mix 20.21% of portfolio
90/100
Exceptional
Volume 300Mix 9.33% of portfolio
83/100
Exceptional
Volume 230Mix 7.15% of portfolio
72/100
Strong
Volume 34Mix 1.06% of portfolio
71/100
Strong
Volume 135Mix 4.20% of portfolio
66/100
Strong
Volume 114Mix 3.54% of portfolio
63/100
Strong
Volume 67Mix 2.08% of portfolio
63/100
Strong
10© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 74Mix 2.30% of portfolio
62/100
StrongShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
New MexicoState
Volume 636Mix 19.77% of portfolio
91/100
Exceptional2
OklahomaState
Volume 1,118Mix 34.75% of portfolio
91/100
Exceptional3
ColoradoState
Volume 514Mix 15.98% of portfolio
78/100
Strong4
KansasState
Volume 146Mix 4.54% of portfolio
72/100
Strong5
TexasState
Volume 431Mix 13.40% of portfolio
70/100
Strong6
ArkansasState
Volume 82Mix 2.55% of portfolio
60/100
Strong7
ArizonaState
Volume 94Mix 2.92% of portfolio
59/100
Sound8
MissouriState
Volume 65Mix 2.02% of portfolio
54/100
Sound9
FloridaState
Volume 21Mix 0.65% of portfolio
37/100
Acceptable10
North CarolinaState
Volume 11Mix 0.34% of portfolio
35/100
AcceptableHow 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.