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We analyzed every closed loan from Bokf National Association — 3.2k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 21 mkts
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
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Safe Rate's 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, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +38.2 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National22 markets | |
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 |
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 |
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
States Served
45
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCFLGAIAIDILINKSKYMDMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Santa Fe, NM, NMMSA
Volume: 68Mix: 2.11%of portfolio
Place
Exceptional2
Albuquerque, NM, NMMSA
Volume: 463Mix: 14.39%of portfolio
Place
Exceptional3
Tulsa, OK, OKMSA
Volume: 650Mix: 20.21%of portfolio
Place
Exceptional4
Oklahoma City, OK, OKMSA
Volume: 300Mix: 9.33%of portfolio
Place
Exceptional5
Denver, COMSA
Volume: 230Mix: 7.15%of portfolio
Place
Strong6
Enid, OK, OKMSA
Volume: 34Mix: 1.06%of portfolio
Place
Strong7
Kansas City, MO, MO-KSMSA
Volume: 135Mix: 4.20%of portfolio
Place
Strong8
Dallas, TXMSA
Volume: 114Mix: 3.54%of portfolio
Place
Strong9
Fayetteville, ARMSA
Volume: 67Mix: 2.08%of portfolio
Place
Strong10
Fort Worth, TXMSA
Volume: 74Mix: 2.30%of portfolio
Place
StrongShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
NMState
Volume: 636Mix: 19.77%of portfolio
Place
Exceptional2
OKState
Volume: 1,118Mix: 34.75%of portfolio
Place
Exceptional3
COState
Volume: 514Mix: 15.98%of portfolio
Place
Strong4
KSState
Volume: 146Mix: 4.54%of portfolio
Place
Strong5
TXState
Volume: 431Mix: 13.40%of portfolio
Place
Strong6
ARState
Volume: 82Mix: 2.55%of portfolio
Place
Strong7
AZState
Volume: 94Mix: 2.92%of portfolio
Place
Sound8
MOState
Volume: 65Mix: 2.02%of portfolio
Place
Sound9
FLState
Volume: 21Mix: 0.65%of portfolio
Place
Acceptable10
NCState
Volume: 11Mix: 0.34%of portfolio
Place
AcceptableHow 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.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.