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Great Plains National Bank
Bank|Elk City, OK|Multi-Region
Loans Originated
1,076
Applications
1,321
Volume
$289 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.478%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,190
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
Great Plains National Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 6 metro areas · 15 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$269,191
Average Borrower Income
$133,901
Average Property Value
$331,348
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Exceptional | 550 | 51.1% | +0.455% | $2,469 |
FHA Loans | Strong | Strong | Sound | Exceptional | 332 | 30.9% | +0.655% | $1,961 |
VA Loans | Strong | Strong | Strong | Exceptional | 131 | 12.2% | -0.163% | $1,064 |
Jumbo Loans | Sound | Sound | N/A | N/A | 11 | 1.0% | +0.510% | $1,132 |
USDA Loans | Exceptional | Exceptional | N/A | Exceptional | 52 | 4.8% | +0.414% | $2,015 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Exceptional | 985 | 91.5% | +0.453% | $2,116 |
Refinance | Sound | Strong | Acceptable | Strong | 91 | 8.5% | +0.665% | $2,759 |
Geographic Coverage
Metro Areas
5
States Served
15
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARCACOFLILINKSKYLAMONCNMOKTX
Top Metro Areas by Place Specialization Score
1
Enid, OK, OKMSA
Volume: 64Mix: 5.95%
Place Specialization
Exceptional
2
Oklahoma City, OK, OKMSA
Volume: 582Mix: 54.09%
Place Specialization
Exceptional
3
Dallas, TXMSA
Volume: 61Mix: 5.67%
Place Specialization
Sound
4
Tulsa, OK, OKMSA
Volume: 33Mix: 3.07%
Place Specialization
Sound
5
Fort Worth, TXMSA
Volume: 24Mix: 2.23%
Place Specialization
Sound
Top States by Place Specialization Score
1
OKState
Volume: 957Mix: 88.94%
Place Specialization
Exceptional
2
TXState
Volume: 102Mix: 9.48%
Place Specialization
Sound
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.
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