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MidFirst Bank

Bank•Oklahoma City, OKHQ•Direct•Reviews near you on Google

We analyzed every closed loan from MidFirst Bank — 637 loans across 870 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 14.50 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

MidFirst Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 14.5 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
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume446
Mix70.0%
Spread
-0.166%Below
Fees
$576Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume31
Mix4.9%
Spread
+0.536%Above
Fees
$1,156Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume155
Mix24.3%
Spread
-0.210%Below
Fees
$499Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume591
Mix92.8%
Spread
-0.150%Below
Fees
$577Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume46
Mix7.2%
Spread
-0.074%Below
Fees
$791Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
637
Applications
870
Volume
$393 million
Pricing & Closing
Avg Rate Spread
-0.145%
vs. market APOR
Avg Net Fees
$591
Origination − Credits
Pullthrough Rate
73.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$618,014
Avg Borrower Income
$361,273
Avg Property Value
$873,603

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

19
19 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest5
ILINMNMOOH
South8
ARFLGAOKSCTNTXVA
West6
AZCACONMNVUT

Top Metro Areas by Place Specialization Score

1© MARELBU · CC BY 3.0
Oklahoma City, OKMetro
Volume 186Mix 29.20% of portfolio
81/100
Exceptional
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 100Mix 15.70% of portfolio
67/100
Strong
3© w_lemay · CC BY-SA 2.0
Tulsa, OKMetro
Volume 61Mix 9.58% of portfolio
64/100
Strong
4© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 71Mix 11.15% of portfolio
61/100
Strong
5© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 59Mix 9.26% of portfolio
61/100
Strong
6© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 36Mix 5.65% of portfolio
53/100
Sound
7© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 10Mix 1.57% of portfolio
40/100
Acceptable

Top States by Place Specialization Score

Oklahoma
Oklahoma
1
OklahomaState
Volume 274Mix 43.01% of portfolio
79/100
Strong
Texas
Texas
2
TexasState
Volume 157Mix 24.65% of portfolio
64/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 73Mix 11.46% of portfolio
61/100
Strong
California
California
4
CaliforniaState
Volume 75Mix 11.77% of portfolio
55/100
Sound
Colorado
Colorado
5
ColoradoState
Volume 18Mix 2.83% of portfolio
44/100
Sound
Utah
Utah
6
UtahState
Volume 14Mix 2.20% of portfolio
44/100
Sound

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.