# Stride Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/stride-bank-national-association

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Stride Bank, National Association is a bank, headquartered in Enid, OK, serving borrowers across 29 states, with 1,367 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300O5WDIJU8S7OI05
- **Headquarters:** Enid, OK
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NM, OH, OK, PA, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.320%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,537
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,367
- **Dollar Volume:** $392 million
- **Applications Received:** 1,741
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,690
- **Average Borrower Income:** $125,952

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 705 | +0.214% | $1,531 | Strong 😀 |
| FHA | 78/100 | 419 | +0.711% | $1,599 | Strong 😀 |
| VA | 77/100 | 201 | -0.194% | $1,330 | Strong 😀 |
| USDA | 79/100 | 34 | +0.440% | $1,638 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 664 loans, Score: 71/100 (Strong)
- Refinance: 41 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 410 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 192 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 34 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 1,308 | $376M | +0.322% | Strong 😀 |
| Refinance | 50/100 | 59 | $16M | +0.285% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 1,110 | 2.69% | 93/100 |
| MO | 91 | 0.12% | 60/100 |
| KS | 75 | 0.25% | 65/100 |
| TX | 26 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 671 | 97/100 |
| Tulsa, OK | OK | 239 | 79/100 |
| Non |  | 206 | 61/100 |
| Kansas City, MO | MO-KS | 135 | 69/100 |
| Enid, OK | OK | 13 | 43/100 |
| Austin | TX | 10 | 38/100 |
| Lawton, OK | OK | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does Stride Bank, National Association offer?

Stride Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Stride Bank, National Association offer mortgages?

Stride Bank, National Association offers mortgages in 29 states: AL, AR, AZ, CA, CO, FL, GA, IA, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NM, OH, OK, PA, TN, TX, UT, VA, WA, WI, WY.

### How competitive are Stride Bank, National Association's mortgage rates?

Stride Bank, National Association has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.320% above market average.

### What type of lender is Stride Bank, National Association?

Stride Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Enid, OK.

### What is Stride Bank, National Association's loan approval success rate?

Stride Bank, National Association has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/stride-bank-national-association

### How to Cite

> "Stride Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stride-bank-national-association

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