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Stride Bank, National Association
Bank|Enid, OK|Near-National
Loans Originated
1,367
Applications
1,741
Volume
$391 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.320%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,537
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.5%
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
- Nationwide availability with consistent service
Report Card
Stride Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Near-National · 7 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$286,690
Average Borrower Income
$125,952
Average Property Value
$343,544
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 705 | 51.6% | +0.214% | $1,531 |
FHA Loans | Strong | Strong | Sound | Exceptional | 419 | 30.7% | +0.711% | $1,599 |
VA Loans | Strong | Strong | Sound | Exceptional | 201 | 14.7% | -0.194% | $1,330 |
USDA Loans | Strong | Strong | N/A | Exceptional | 34 | 2.5% | +0.440% | $1,638 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 1,308 | 95.7% | +0.322% | $1,502 |
Refinance | Sound | Sound | Sound | Acceptable | 59 | 4.3% | +0.285% | $2,124 |
Geographic Coverage
Metro Areas
6
States Served
29
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Oklahoma City, OK, OKMSA
Volume: 671Mix: 49.09%
Place Specialization
Exceptional
2
Tulsa, OK, OKMSA
Volume: 239Mix: 17.48%
Place Specialization
Strong
3
Kansas City, MO, MO-KSMSA
Volume: 135Mix: 9.88%
Place Specialization
Strong
4
Enid, OK, OKMSA
Volume: 13Mix: 0.95%
Place Specialization
Sound
5
Lawton, OK, OKMSA
Volume: 10Mix: 0.73%
Place Specialization
Sound
6
Austin, TXMSA
Volume: 10Mix: 0.73%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
OKState
Volume: 1,110Mix: 81.20%
Place Specialization
Exceptional
2
KSState
Volume: 75Mix: 5.49%
Place Specialization
Strong
3
MOState
Volume: 91Mix: 6.66%
Place Specialization
Sound
4
TXState
Volume: 26Mix: 1.90%
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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