Midfirst Bank Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 337KMNHEWWWR6B7Q7W10

Tax ID: 73-0383055

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Midfirst Bank is a small bank specializing in Home Purchase and Refi loans. Midfirst Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Phoenix, Oklahoma City, Denver, and Santa Maria among others. We have data for 157 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Midfirst Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Midfirst Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.72% 4/16/25
    30 Year Conventional Purchase 6.55% 4/16/25
    30 Year Conventional Refi 6.92% 4/16/25
    30 Year Cash-out Refi 6.50% 4/16/25
    30 Year FHA Purchase 7.29% 4/16/25
    30 Year FHA Refi 6.72% 4/16/25
    30 Year VA Purchase 6.35% 4/16/25
    30 Year VA Refi 6.72% 4/16/25
    15 Year Conventional Purchase 6.46% 4/16/25
    15 Year Conventional Refi 9.42% 4/16/25
    15 Year Cash-out Refi 9.42% 4/16/25
    15 Year FHA Purchase 6.00% 4/16/25
    15 Year FHA Refi 6.00% 4/16/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Midfirst Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Midfirst Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,196

    Origination Dollar Volume (All Markets)

    $1,439,770,000

    Employee count

    2,678 Show all (13) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 228 $365,300,000 $1,602,193 $7,908 4.41%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,085 $344,655,000 $317,654 $3,601 3.64%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 818 $175,920,000 $215,061 $2,611 4.08%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 244 $120,310,000 $493,074 $6,206 4.26%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 50 $65,730,000 $1,314,600 $15,410 4.29%
    TULSA, OK (FHA|USDA|VA) 188 $59,690,000 $317,500 $3,332 4.04%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $38,120,000 $3,176,667 $70,594 4.65%
    Outside of Metro Areas 57 $26,505,000 $465,000 $3,235 4.26%
    Glenwood Springs, CO (FHA|USDA|VA) 13 $24,045,000 $1,849,615 $2,744 4.10%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 29 $21,705,000 $748,448 $5,936 4.08%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 15 $14,665,000 $977,667 $5,696 4.30%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 13 $12,445,000 $957,308 $7,907 4.17%
    Edwards, CO (FHA|USDA|VA) 20 $9,850,000 $492,500 $3,314 4.07%
    Dickinson, ND (FHA|USDA|VA) 1 $7,905,000 $7,905,000 $0 4.20%
    SANTA FE, NM (FHA|USDA|VA) 9 $7,565,000 $840,556 $11,749 4.07%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $7,240,000 $1,206,667 $0 6.46%
    Heber, UT (FHA|USDA|VA) 4 $6,420,000 $1,605,000 $15,538 4.73%
    Bozeman, MT (FHA|USDA|VA) 2 $6,260,000 $3,130,000 $0 4.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 10 $5,990,000 $599,000 $4,884 4.41%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $5,620,000 $936,667 $5,165 4.16%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $0 4.05%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 14 $4,770,000 $340,714 $3,073 3.66%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $4,705,000 $941,000 $15,849 4.40%
    BOULDER, CO (FHA|USDA|VA) 8 $3,780,000 $472,500 $4,701 4.14%
    FLAGSTAFF, AZ (FHA|USDA|VA) 10 $3,720,000 $372,000 $3,368 3.90%
    SALINAS, CA (FHA|USDA|VA) 3 $3,485,000 $1,161,667 $3,871 3.51%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $3,330,000 $1,665,000 $19,901 3.53%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $3,190,000 $1,595,000 $0 4.08%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $3,115,000 $1,038,333 $12,602 4.11%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $3,055,000 $1,018,333 $2,293 3.50%
    Woodward, OK (FHA|USDA|VA) 28 $2,520,000 $90,000 $2,307 4.78%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $2,410,000 $1,205,000 $2,653 3.28%
    RENO, NV (FHA|USDA|VA) 6 $2,380,000 $396,667 $2,396 3.88%
    BEND, OR (FHA|USDA|VA) 5 $2,305,000 $461,000 $5,730 5.19%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $2,275,000 $758,333 $3,691 3.90%
    Shawnee, OK (FHA|USDA|VA) 15 $2,075,000 $138,333 $2,659 4.02%
    Show Low, AZ (FHA|USDA|VA) 5 $2,005,000 $401,000 $2,727 3.85%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $1,980,000 $990,000 $4,390 4.56%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,925,000 $385,000 $1,530 4.47%
    TUCSON, AZ (FHA|USDA|VA) 8 $1,910,000 $238,750 $2,211 4.75%
    Altus, OK (FHA|USDA|VA) 24 $1,880,000 $78,333 $3,157 3.91%
    Outside of Metro Areas 2 $1,820,000 $910,000 $5,322 3.80%
    Breckenridge, CO (FHA|USDA|VA) 4 $1,800,000 $450,000 $2,361 4.39%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $1,760,000 $880,000 $12,335 3.63%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 10 $1,750,000 $175,000 $3,519 4.75%
    Weatherford, OK (FHA|USDA|VA) 12 $1,730,000 $144,167 $3,986 3.85%
    FORT COLLINS, CO (FHA|USDA|VA) 6 $1,690,000 $281,667 $6,775 3.76%
    McAlester, OK (FHA|USDA|VA) 4 $1,670,000 $417,500 $5,341 4.11%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,630,000 $815,000 $9,675 3.68%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,520,000 $380,000 $5,482 4.91%
    KINGSTON, NY (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $0 3.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,633 4.19%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $4,952 3.28%
    Payson, AZ (FHA|USDA|VA) 3 $1,125,000 $375,000 $4,537 3.49%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,115,000 $371,667 $2,854 4.36%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 8 $1,090,000 $136,250 $0 4.36%
    Torrington, CT (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $10,308 4.95%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $945,000 $945,000 $0 4.40%
    MANHATTAN, KS (FHA|USDA|VA) 3 $915,000 $305,000 $779 3.78%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $870,000 $108,750 $0 5.32%
    GREELEY, CO (FHA|USDA|VA) 3 $865,000 $288,333 $7,468 3.45%
    Durango, CO (FHA|USDA|VA) 2 $820,000 $410,000 $0 4.26%
    Gainesville, TX (FHA|USDA|VA) 2 $820,000 $410,000 $3,634 5.12%
    MODESTO, CA (FHA|USDA|VA) 1 $805,000 $805,000 $4,468 4.50%
    Elk City, OK (FHA|USDA|VA) 3 $765,000 $255,000 $3,283 4.45%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $755,000 $755,000 $7,516 4.25%
    Hailey, ID (FHA|USDA|VA) 1 $745,000 $745,000 $2,681 3.35%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $720,000 $360,000 $5,084 3.45%
    WACO, TX (FHA|USDA|VA) 2 $720,000 $360,000 $3,010 4.13%
    SAN ANGELO, TX (FHA|USDA|VA) 2 $710,000 $355,000 $3,801 3.91%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $705,000 $705,000 $2,549 3.32%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $685,000 $228,333 $0 5.83%
    Stillwater, OK (FHA|USDA|VA) 6 $680,000 $113,333 $4,076 3.37%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $655,000 $655,000 $0 3.80%
    Taos, NM (FHA|USDA|VA) 2 $650,000 $325,000 $0 4.11%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $635,000 $90,714 $3,574 5.34%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $605,000 $201,667 $2,377 5.17%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $600,000 $100,000 $2,928 4.29%
    Tahlequah, OK (FHA|USDA|VA) 2 $550,000 $275,000 $0 5.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $545,000 $109,000 $0 5.23%
    Athens, TX (FHA|USDA|VA) 1 $515,000 $515,000 $4,970 4.00%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $510,000 $255,000 $2,932 5.75%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $505,000 $505,000 $799 4.73%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $505,000 $505,000 $3,246 3.90%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $460,000 $115,000 $0 4.63%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.50%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $410,000 $205,000 $2,569 3.62%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $395,000 $395,000 $4,942 3.58%
    BOISE CITY, ID (FHA|USDA|VA) 1 $385,000 $385,000 $3,444 4.00%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $380,000 $190,000 $2,666 4.18%
    Sonora, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.50%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $355,000 $355,000 $2,147 3.80%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $325,000 $325,000 $2,694 4.25%
    STOCKTON, CA (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.88%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $305,000 $305,000 $4,202 3.35%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $245,000 $81,667 $0 4.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $220,000 $55,000 $0 5.03%
    ODESSA, TX (FHA|USDA|VA) 2 $220,000 $110,000 $2,326 5.44%
    Red Bluff, CA (FHA|USDA|VA) 1 $215,000 $215,000 $1,382 7.00%
    Hillsdale, MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.00%
    Muskogee, OK (FHA|USDA|VA) 1 $185,000 $185,000 $3,056 2.95%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $185,000 $61,667 $0 4.16%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.38%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.75%
    Mount Airy, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.25%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.75%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.88%
    ENID, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,224 4.63%
    YUMA, AZ (FHA|USDA|VA) 2 $130,000 $65,000 $0 2.99%
    Clinton, IA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.31%
    Union, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.75%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.44%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.88%
    RICHMOND, VA (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.06%
    TOPEKA, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
    COLUMBUS, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.38%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,763 4.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.00%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.75%
    DALTON, GA (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.88%
    KOKOMO, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.13%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
    EL PASO, TX (FHA|USDA|VA) 3 $75,000 $25,000 $0 6.63%
    Bennington, VT (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.88%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.13%
    Guymon, OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 2.99%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.38%
    PUEBLO, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
    BAY CITY, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.50%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $50,000 $25,000 $0 6.69%
    LAREDO, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.13%
    La Grande, OR (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.00%
    DECATUR, AL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.13%
    Miami, OK (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.74%
    Somerset, KY (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.63%
    ROCHESTER, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.50%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.75%
    Kerrville, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.63%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.88%
    SAVANNAH, GA (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.13%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.50%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $5,000 $5,000 $0 8.50%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $5,000 $5,000 $0 9.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $5,000 $5,000 $0 3.88%
    Midfirst Bank's top markets include Los Angeles, Phoenix, Oklahoma City, Denver, and Santa Maria among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against MidFirst Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    RED CROWN
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,743 $1,194,285,000 $685,189 $4,317 4.37%
    HELOC 1,231 $220,765,000 $179,338 n/a 3.43%
    FHA 175 $19,025,000 $108,714 $5,346 4.50%
    VA 37 $4,245,000 $114,730 $6,342 5.26%
    USDA 10 $1,450,000 $145,000 $4,672 3.35%

    For 2019, Midfirst Bank's most frequently originated type of loan was Conventional, with 1,743 originations. Their 2nd most popular type was HELOC, with 1,231 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,073 $659,325,000 $614,469 $5,366 4.09%
    Refi 845 $576,355,000 $682,077 $4,141 3.95%
    Other 649 $108,185,000 $166,695 $1,742 4.28%
    Home Improvement 513 $65,045,000 $126,793 $1,040 3.69%
    Cash Out Refi 116 $30,860,000 $266,034 $3,153 3.95%

    For 2019, Midfirst Bank's most frequently cited loan purpose was Home Purchase, with 1,073 originations. The 2nd most popular reason was Refi, with 845 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,327 $298,785,000 $225,158 $3,030 3.55%
    30 Year 1,159 $811,115,000 $699,840 $5,399 3.91%
    10 Year 268 $141,030,000 $526,231 $463 5.09%
    15 Year 171 $49,715,000 $290,731 $2,633 4.24%
    20 Year 105 $20,885,000 $198,905 $1,273 6.09%
    5 Year 97 $72,915,000 $751,701 $218 5.14%
    1 Year 54 $36,360,000 $673,333 $8,085 5.64%
    3 Year 12 $7,890,000 $657,500 $0 5.23%
    30+ year 3 $1,075,000 $358,333 $5,452 4.08%

    For 2019, Midfirst Bank's most frequently cited loan duration was Other, with 1,327 originations. The 2nd most popular length was 30 Year, with 1,159 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,241 $579,205,000 $466,724
    $5k+ 109 $161,965,000 $1,485,917
    $1k-2k 65 $13,445,000 $206,846
    $3k-4k 20 $10,370,000 $518,500
    $2k-3k 16 $8,810,000 $550,625
    $4k-5k 9 $7,635,000 $848,333

    Midfirst Bank's average total fees were $5,399, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,241 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 990 $107,180,000 $108,263
    3-4% 935 $699,135,000 $747,738
    4-5% 715 $449,105,000 $628,119
    5-6% 280 $153,180,000 $547,071
    6-7% 128 $20,140,000 $157,344
    7-8% 72 $4,600,000 $63,889
    <2.5% 48 $4,830,000 $100,625
    Over 8% 25 $615,000 $24,600
    % 1 $705,000 $705,000

    During 2019, Midfirst Bank's average interest rate for loans was 3.91%, while their most frequently originated rate bucket for loans was 2.5-3%, with 990 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,047 $51,935,000 $49,604 $855 4.06%
    $100k-200k 635 $88,045,000 $138,654 $3,122 3.85%
    $200k-400k 548 $151,820,000 $277,044 $3,366 3.97%
    $1MM+ 394 $791,610,000 $2,009,162 $11,538 4.12%
    $400k-600k 294 $142,300,000 $484,014 $3,387 4.19%
    $600k-1MM 278 $214,060,000 $770,000 $5,094 4.06%

    2019 saw Midfirst Bank place emphasis on $100,000 or less loans with 1,047 originations, totaling $51,935,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 771 $546,165,000 $708,385 $5,537 4.03%
    $150k-250k 462 $123,870,000 $268,117 $4,215 3.70%
    $100k-150k 433 $68,255,000 $157,633 $2,706 3.79%
    $75k-100k 298 $33,750,000 $113,255 $2,481 3.83%
    $50k-75k 297 $35,215,000 $118,569 $3,068 3.88%
    $50k or less 177 $27,685,000 $156,412 $5,112 4.16%

    Midfirst Bank lent most frequently to those with incomes in the $250k+ range, with 771 originations. The second most popular income band? $150k-250k, with 462 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 750 $217,700,000 $290,267 $3,638 3.80%
    30-36% 478 $137,590,000 $287,845 $3,935 3.82%
    <20% 415 $151,625,000 $365,361 $3,561 3.90%
    42% 129 $23,595,000 $182,907 $3,018 3.78%
    41% 103 $20,615,000 $200,146 $3,246 3.76%
    >60% 89 $95,545,000 $1,073,539 $14,328 4.55%
    40% 87 $22,045,000 $253,391 $3,723 3.88%
    37% 82 $27,220,000 $331,951 $3,594 3.64%
    36% 81 $19,945,000 $246,235 $3,241 3.84%
    39% 77 $19,335,000 $251,104 $4,360 3.74%
    50-60% 69 $65,725,000 $952,536 $8,465 4.41%
    38% 61 $19,475,000 $319,262 $4,282 3.89%
    43% 38 $11,130,000 $292,895 $4,352 3.84%
    44% 36 $18,010,000 $500,278 $4,750 4.11%
    45% 29 $15,035,000 $518,448 $3,659 4.29%
    47% 28 $21,040,000 $751,429 $3,572 4.05%
    46% 25 $11,385,000 $455,400 $4,092 4.35%
    48% 18 $10,100,000 $561,111 $7,261 3.94%
    49% 14 $6,090,000 $435,000 $4,004 4.21%

    Midfirst Bank lent most frequently to those with DTI ratios of 20-30%, with 750 originations. The next most common DTI ratio? 30-36%, with 478 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,160 $708,240,000 $327,889 $4,383 3.90%
    Not applicable 448 $524,630,000 $1,171,049 $5,940 4.50%
    Not provided 376 $156,860,000 $417,181 $4,196 4.14%
    Asian 93 $32,075,000 $344,892 $3,194 3.88%
    Black 67 $9,495,000 $141,716 $3,565 4.44%
    American Indian 34 $3,530,000 $103,824 $2,405 3.89%
    Native Hawaiian or Islander 7 $2,705,000 $386,429 $16,694 3.69%
    Asian Indian 5 $1,905,000 $381,000 $11,871 3.13%
    4 $240,000 $60,000 $0 3.87%
    Chinese 1 $55,000 $55,000 $0 2.99%
    Vietnamese 1 $35,000 $35,000 $0 6.89%

    Approval Rates

    Total approvals of all applications
    97.45%

    Midfirst Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    82.63%

    Midfirst Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,196 $1,439,770,000 $450,491

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $10,735,000 $10,735,000
    Multifamily:Site-Built 96 $163,470,000 $1,702,813
    Single Family (1-4 Units):Manufactured 6 $390,000 $65,000
    Single Family (1-4 Units):Site-Built 3,093 $1,265,175,000 $409,045

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 553 $169,985,000 $307,387 $4,961 3.90%
    40-60% 380 $346,810,000 $912,658 $5,518 3.98%
    60-80% 800 $605,060,000 $756,325 $5,249 4.03%
    80-100% 513 $212,235,000 $413,713 $4,147 3.95%
    Over 100% 5 $2,645,000 $529,000 $11,542 3.80%
    Under 20% 782 $86,890,000 $111,113 $460 3.93%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    MIDFIRST BANK VA mortgage Trouble during payment process 4 5.6%
    MIDFIRST BANK Other type of mortgage Trouble during payment process 5 6.9%
    MIDFIRST BANK VA mortgage Incorrect information on your report 1 1.4%
    MIDFIRST BANK Conventional home mortgage Incorrect information on your report 1 1.4%
    MIDFIRST BANK Conventional home mortgage Struggling to pay mortgage 11 15.3%
    MIDFIRST BANK Conventional home mortgage Trouble during payment process 7 9.7%
    MIDFIRST BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 4.2%
    MIDFIRST BANK FHA mortgage Closing on a mortgage 1 1.4%
    MIDFIRST BANK FHA mortgage Incorrect information on your report 5 6.9%
    MIDFIRST BANK FHA mortgage Struggling to pay mortgage 17 23.6%
    MIDFIRST BANK FHA mortgage Trouble during payment process 14 19.4%
    MIDFIRST BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 1.4%
    MIDFIRST BANK Other type of mortgage Struggling to pay mortgage 2 2.8%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    MidFirst Bank 2511 N. Main St Altus, OK 73521 Full Service B&M $62,187
    MidFirst Bank 100 North Rock Island Road El Reno, OK 73036 Full Service B&M $93,952
    MidFirst Bank 100 North University Drive Edmond, OK 73034 Full Service B&M $10,217
    MidFirst Bank 101 Cook Street Denver, CO 80206 Full Service B&M $239,348
    MidFirst Bank 1037 Sw 19th Street Moore, OK 73160 Full Service B&M $48,716
    MidFirst Bank 105 Edwards Village Boulevard Edwards, CO 81632 Full Service B&M $20,188
    MidFirst Bank 10725 N. Scottsdale Rd. Scottsdale, AZ 85254 Full Service B&M $62,948
    MidFirst Bank 111 North Perkins Road Stillwater, OK 74075 Full Service B&M $27,071
    MidFirst Bank 11122 S. Memorial Dr. Bixby, OK 74008 Full Service B&M $45,083
    MidFirst Bank 11925 S Western Avenue Oklahoma City, OK 73170 Full Service B&M $75,710
    MidFirst Bank 1200 Garth Brooks Blvd Yukon, OK 73099 Full Service B&M $26,450
    MidFirst Bank 1200 N Kelly Edmond, OK 73003 Full Service B&M $90,269
    MidFirst Bank 1201 West Vandament Yukon, OK 73099 Full Service B&M $110,173
    MidFirst Bank 1290 S. Normal Ave Tempe, AZ 85281 Full Service B&M $28,393
    MidFirst Bank 1320 East 7th Street, Suite 220 Los Angeles, CA 90021 Full Service B&M $21,351
    MidFirst Bank 13240 North May Avenue Oklahoma City, OK 73120 Full Service B&M $70,761
    MidFirst Bank 13771 N. Fountain Hills Blvd Fountain Hills, AZ 85268 Full Service B&M $59,581
    MidFirst Bank 1518 Oklahoma Avenue Woodward, OK 73801 Full Service B&M $149,144
    MidFirst Bank 15451 West Waddell Road Surprise, AZ 85379 Full Service B&M $76,863
    MidFirst Bank 1601 East Danforth Road Edmond, OK 73034 Full Service B&M $129,030
    MidFirst Bank 16401 N. May Ave Edmond, OK 73013 Full Service B&M $86,056
    MidFirst Bank 16417 N. Santa Fe Avenue Edmond, OK 73013 Full Service B&M $107,026
    MidFirst Bank 16976 West Bell Road Surprise, AZ 85374 Full Service B&M $66,416
    MidFirst Bank 17025 North 7th Street Phoenix, AZ 85022 Full Service B&M $46,149
    MidFirst Bank 1875 Century Park East, Suite 1400 Los Angeles, CA 90067 Full Service B&M $896,572
    MidFirst Bank 1920 Mckinney Ave, Suite 900 Dallas, TX 75201 Full Service B&M $13,843
    MidFirst Bank 200 S. Mustang Rd. Yukon, OK 73099 Full Service B&M $59,125
    MidFirst Bank 201 Midwest Blvd. Midwest City, OK 73110 Full Service B&M $48,588
    MidFirst Bank 201 Southwest Second Street Anadarko, OK 73005 Full Service B&M $55,029
    MidFirst Bank 20645 N. Pima Road, Suite 140 Scottsdale, AZ 85255 Full Service B&M $192,294
    MidFirst Bank 2100 W. Kenosha St. Broken Arrow, OK 74012 Full Service B&M $39,017
    MidFirst Bank 2101 South West 104th Oklahoma City, OK 73159 Full Service B&M $106,015
    MidFirst Bank 2200 South Utica Place, Suite 550 Tulsa, OK 74114 Full Service B&M $501,744
    MidFirst Bank 2225 N May Ave Oklahoma City, OK 73107 Full Service B&M $64,803
    MidFirst Bank 228 Chickasha Avenue Chickasha, OK 73018 Full Service B&M $112,234
    MidFirst Bank 2320 North Harrison Street Shawnee, OK 74804 Full Service B&M $88,856
    MidFirst Bank 2400 N. 9th St Broken Arrow, OK 74012 Full Service B&M $23,039
    MidFirst Bank 24810 North Lake Pleasant Parkway Peoria, AZ 85383 Full Service B&M $94,003
    MidFirst Bank 2547 E. 21st St. Tulsa, OK 74114 Full Service B&M $40,668
    MidFirst Bank 2805 South Colorado Boulevard Denver, CO 80222 Full Service B&M $132,604
    MidFirst Bank 2849 South Market Street Gilbert, AZ 85295 Full Service B&M $40,277
    MidFirst Bank 3030 E. Camelback Rd. Phoenix, AZ 85016 Full Service B&M $361,644
    MidFirst Bank 305 N. Washington St Weatherford, OK 73096 Full Service B&M $92,689
    MidFirst Bank 3140 South Garnett Road Tulsa, OK 74146 Full Service B&M $21,118
    MidFirst Bank 315 West Boyd Norman, OK 73069 Full Service B&M $20,224
    MidFirst Bank 3215 Williams Avenue Woodward, OK 73801 Full Service B&M $38,126
    MidFirst Bank 3232 S. Broadway Edmond, OK 73013 Full Service B&M $40,813
    MidFirst Bank 3601 West Tecumseh Road Norman, OK 73072 Full Service B&M $56,788
    MidFirst Bank 3611 W. Anthem Way Anthem, AZ 85086 Full Service B&M $70,015
    MidFirst Bank 3631 East Baseline Road Gilbert, AZ 85234 Full Service B&M $89,934
    MidFirst Bank 3701 West Reno Ave Oklahoma City, OK 73107 Full Service B&M $39,159
    MidFirst Bank 4000 E. Quincy Ave Englewood, CO 80113 Limited, Mobile/Seasonal Office $0
    MidFirst Bank 411 N Central Phoenix, AZ 85004 Full Service B&M $22,641
    MidFirst Bank 4255 South Peoria Ave Tulsa, OK 74105 Full Service B&M $28,226
    MidFirst Bank 4750 East Chandler Boulevard Phoenix, AZ 85048 Full Service B&M $84,939
    MidFirst Bank 4800 S. Elm Pl. Broken Arrow, OK 74011 Full Service B&M $23,814
    MidFirst Bank 4900 South Gilbert Road Chandler, AZ 85249 Full Service B&M $61,235
    MidFirst Bank 501 Nw Grand Boulevard Oklahoma City, OK 73118 Full Service B&M $2,777,292
    MidFirst Bank 555 17th Street Denver, CO 80202 Full Service B&M $117,517
    MidFirst Bank 5800 North Western Avenue Oklahoma City, OK 73118 Full Service B&M $421,324
    MidFirst Bank 5801 Northwest 39th Street Warr Acres, OK 73122 Full Service B&M $40,733
    MidFirst Bank 625 Northwest 5th Street Moore, OK 73160 Full Service B&M $87,283
    MidFirst Bank 630 West Main Street Norman, OK 73069 Full Service B&M $96,234
    MidFirst Bank 6310 East Greenway Road Scottsdale, AZ 85254 Full Service B&M $117,344
    MidFirst Bank 6351 N Macarthur Oklahoma City, OK 73122 Full Service B&M $106,969
    MidFirst Bank 6508 West Bell Road Glendale, AZ 85308 Full Service B&M $97,867
    MidFirst Bank 702 East Thunderbird Road Phoenix, AZ 85022 Full Service B&M $73,774
    MidFirst Bank 7100 W Hefner Road Oklahoma City, OK 73162 Full Service B&M $176,499
    MidFirst Bank 7305 South Power Road Queen Creek, AZ 85142 Full Service B&M $47,412
    MidFirst Bank 7403 South Pennsylvania Ave Oklahoma City, OK 73159 Full Service B&M $13,480
    MidFirst Bank 7485 W. Cactus Rd. Peoria, AZ 85345 Full Service Retail $49,979
    MidFirst Bank 7500 South Western Ave Oklahoma City, OK 73139 Full Service B&M $62,079
    MidFirst Bank 760 West Ray Road Gilbert, AZ 85233 Full Service B&M $69,839
    MidFirst Bank 787 East Elliot Road Tempe, AZ 85284 Full Service B&M $103,168
    MidFirst Bank 8015 East 71st Street Tulsa, OK 74133 Full Service B&M $79,818
    MidFirst Bank 810 Southwest 44 Oklahoma City, OK 73109 Full Service B&M $38,990
    MidFirst Bank 835 East State Highway 152 Mustang, OK 73064 Full Service B&M $126,468
    MidFirst Bank 840 Pearl Street Boulder, CO 80302 Full Service B&M $15,492
    MidFirst Bank 901 North Lincoln Boulevard Oklahoma City, OK 73104 Full Service B&M $44,666
    MidFirst Bank 9139 South Yale Ave Tulsa, OK 74137 Full Service B&M $57,852

    For 2019, Midfirst Bank had 80 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $852,679
    Net interest income $586,698
    Total noninterest income $147,555
    Gross Fiduciary activities income $10,544
    Service charges on deposit accounts $19,929
    Trading account gains and fees $0
    Additional Noninterest Income $117,082
    Pre-tax net operating income $301,944
    Securities gains (or losses, -) $863
    Income before extraordinary items $295,300
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $295,300
    Minority interest net income $0
    Net income $295,300
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $294,454

    Midfirst Bank's gross interest income from loans was $852,679,000.
    Midfirst Bank's net interest income from loans was $586,698,000.
    Midfirst Bank's fee based income from loans was $19,929,000.
    Midfirst Bank's net income from loans was $295,300,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $265,981
    Provision for credit losses $1,538
    Total noninterest expense $430,771
    Salaries and employee benefits $261,832
    Premises and equipment expense $53,307
    Additional noninterest expense $115,632
    Applicable income taxes $7,507
    Net charge-offs $1,560
    Cash dividends $48,650

    Midfirst Bank's interest expense for loans was $265,981,000.
    Midfirst Bank's payroll and benefits expense were $261,832,000.
    Midfirst Bank's property, plant and equipment expenses $53,307,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 16.0%
    Real Estate loans 18.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 31.0%
    HELOC loans 0.0%
    All other family 32.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 2.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $12,416,101
    Deposits held in domestic offices $12,416,101
    Deposits by Individuals, partnerships, and corporations $12,270,124
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $136,871
    Deposits by Commercial banks and other depository institutions in U.S. $9,106
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,328,891
    Demand deposits $2,016,375
    Nontransaction accounts $10,087,210
    Money market deposit accounts (MMDAs) $1,844,226
    Other savings deposits (excluding MMDAs) $5,843,921
    Total time deposits $2,399,064
    Total time and savings deposits $10,399,726
    Noninterest-bearing deposits $3,345,650
    Interest-bearing deposits $9,070,451
    Retail deposits $11,432,335
    IRAs and Keogh plan accounts $204,050
    Brokered deposits $481,418
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $22,986,309
    Cash & Balances due from depository institutions $2,063,532
    Interest-bearing balances $1,878,278
    Total securities $3,076,136
    Federal funds sold & reverse repurchase $0
    Net loans and leases $16,179,108
    Loan and leases loss allowance $112,500
    Trading account assets $0
    Bank premises and fixed assets $241,146
    Other real estate owned $18,341
    Goodwill and other intangibles $340,692
    All other assets $1,067,354

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $22,986,309
    Total Liabilities $21,150,803
    Total deposits $12,416,101
    Interest-bearing deposits $9,070,451
    Deposits held in domestic offices $12,416,101
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $8,595,056
    Subordinated debt $0
    All other liabilities $139,646

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $16,179,108
    Loan and leases loss allowance $112,500
    Total loans and leases (domestic) $16,291,608
    All real estate loans $14,434,111
    Real estate loans in domestic offices $14,434,111
    Construction and development loans $901,123
    Residential 1-4 family construction $165,252
    Other construction, all land development and other land $735,871
    Loans secured by nonfarm nonresidential properties $4,536,714
    Nonfarm nonresidential secured by owner-occupied properties $1,623,387
    Commercial real estate & other non-farm, non-residential $2,913,327
    Multifamily residential real estate $610,740
    1-4 family residential loans $8,369,656
    Farmland loans $15,878
    Loans held in foreign offices $0
    Farm loans $121
    Commercial and industrial loans $1,606,114
    To non-U.S. addressees $0
    Loans to individuals $134,718
    Credit card loans $30,630
    Related Plans $31,905
    Consumer Auto Loans $33,163
    Other loans to individuals $39,020
    All other loans & leases $116,544
    Loans to foreign governments and official institutions $0
    Other loans $104,937
    Loans to depository institutions and acceptances of other banks $5,238
    Loans not secured by real estate $163,112
    Loans secured by real estate to non-U.S. addressees $16,505
    Restructured Loans & leases $23,499
    Non 1-4 family restructured loans & leases $22,897
    Total loans and leases (foreign) $0

    MidFirst Bank had $16,179,108,000 of loans outstanding in 2019. $14,434,111,000 of loans were in real estate loans. $901,123,000 of loans were in development loans. $610,740,000 of loans were in multifamily mortgage loans. $8,369,656,000 of loans were in 1-4 family mortgage loans. $121,000 of loans were in farm loans. $30,630,000 of loans were in credit card loans. $33,163,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,643 $580,415 $353,265
    Nonfarm, nonresidential loans - <$100k 140 $6,177 $44,121
    Nonfarm, nonresidential loans - $100-250k 376 $51,664 $137,404
    Nonfarm, nonresidential loans - $250k-1MM 1,127 $522,574 $463,686
    Commercial & Industrial, US addressed loans - <$1MM 4,629 $205,949 $44,491
    Commercial & Industrial, US addressed loans - <$100k 3,600 $48,852 $13,570
    Commercial & Industrial, US addressed loans - $100-250k 474 $34,054 $71,844
    Commercial & Industrial, US addressed loans - $250k-1MM 555 $123,043 $221,699
    Farmland loans - <$1MM 1 $106 $106,000
    Farmland loans - $100-250k 1 $106 $106,000
    Agriculture operations loans - <$1MM 2 $121 $60,500
    Agriculture operations loans - <$100k 1 $5 $5,000
    Agriculture operations loans - $100-250k 1 $116 $116,000