Looking for a different lender?
M
MidFirst Bank
Bank|Oklahoma City, OK|Multi-Region
Loans Originated
637
Applications
870
Volume
$393 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.145%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$591
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 14.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
MidFirst Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$618,014
Average Borrower Income
$361,273
Average Property Value
$873,603
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 446 | 70.0% | -0.166% | $576 |
FHA Loans | Sound | Sound | Strong | Sound | 31 | 4.9% | +0.536% | $1,156 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 155 | 24.3% | -0.210% | $499 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 591 | 92.8% | -0.150% | $577 |
Refinance | Sound | Sound | Sound | Sound | 46 | 7.2% | -0.074% | $791 |
Geographic Coverage
Metro Areas
7
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARAZCACOFLGAILINMNMONMNVOHOKSCTNTXUTVA
Top Metro Areas by Place Specialization Score
1
Oklahoma City, OK, OKMSA
Volume: 186Mix: 29.20%
Place Specialization
Exceptional
2
Dallas, TXMSA
Volume: 100Mix: 15.70%
Place Specialization
Strong
3
Tulsa, OK, OKMSA
Volume: 61Mix: 9.58%
Place Specialization
Strong
4
Phoenix, AZMSA
Volume: 71Mix: 11.15%
Place Specialization
Strong
5
Los Angeles, CAMSA
Volume: 59Mix: 9.26%
Place Specialization
Strong
6
Houston, TXMSA
Volume: 36Mix: 5.65%
Place Specialization
Sound
7
Denver, COMSA
Volume: 10Mix: 1.57%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
OKState
Volume: 274Mix: 43.01%
Place Specialization
Strong
2
TXState
Volume: 157Mix: 24.65%
Place Specialization
Strong
3
AZState
Volume: 73Mix: 11.46%
Place Specialization
Strong
4
CAState
Volume: 75Mix: 11.77%
Place Specialization
Sound
5
COState
Volume: 18Mix: 2.83%
Place Specialization
Sound
6
UTState
Volume: 14Mix: 2.20%
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.
Ready to Get Started?
Compare MidFirst Bank with other lenders or get personalized recommendations.