Midfirst Bank Mortgage Rates, Fees & Info
Oklahoma City, OKLEI: 337KMNHEWWWR6B7Q7W10
Tax ID: 73-0383055
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Mortgage Data
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 185 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 an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.71% | 11/17/24 |
| 30 Year Conventional Purchase | 6.34% | 11/17/24 |
| 30 Year Conventional Refi | 6.63% | 11/17/24 |
| 30 Year Cash-out Refi | 6.48% | 11/17/24 |
| 30 Year FHA Purchase | 7.04% | 11/17/24 |
| 30 Year FHA Refi | 6.66% | 11/17/24 |
| 30 Year VA Purchase | 5.81% | 11/17/24 |
| 30 Year VA Refi | 5.87% | 11/17/24 |
| 30 Year USDA Purchase | 6.27% | 11/17/24 |
| 30 Year USDA Refi | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 6.11% | 11/17/24 |
| 15 Year Conventional Refi | 6.83% | 11/17/24 |
| 15 Year Cash-out Refi | 6.83% | 11/17/24 |
| 15 Year FHA Purchase | 5.68% | 11/17/24 |
| 15 Year FHA Refi | 5.68% | 11/17/24 |
| 15 Year VA Refi | 5.68% | 11/17/24 |
| 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
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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
2,634Origination Dollar Volume (All Markets)
$1,860,230,000Awards
MidFirst Bank - 2022
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For 2022, less than of lenders were eligible for this award.
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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) | 290 | $384,200,000 | $1,324,828 | $10,097 | 4.83% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 441 | $328,355,000 | $744,569 | $5,256 | 4.44% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 715 | $199,345,000 | $278,804 | $3,579 | 3.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 189 | $167,675,000 | $887,169 | $8,167 | 4.61% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 70 | $109,380,000 | $1,562,571 | $24,247 | 5.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 144 | $83,200,000 | $577,778 | $4,951 | 4.81% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 26 | $70,000,000 | $2,692,308 | $24,083 | 4.42% |
| Outside of Metro Areas | 53 | $44,905,000 | $847,264 | $5,277 | 4.21% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 19 | $42,775,000 | $2,251,316 | $9,343 | 4.61% |
| TULSA, OK (FHA|USDA|VA) | 119 | $40,235,000 | $338,109 | $4,749 | 4.14% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 11 | $28,775,000 | $2,615,909 | $22,075 | 4.44% |
| Edwards, CO (FHA|USDA|VA) | 14 | $26,830,000 | $1,916,429 | $13,483 | 3.89% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 17 | $26,065,000 | $1,533,235 | $7,246 | 4.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 28 | $23,410,000 | $836,071 | $4,250 | 5.18% |
| Glenwood Springs, CO (FHA|USDA|VA) | 10 | $20,500,000 | $2,050,000 | $12,101 | 5.09% |
| SANTA FE, NM (FHA|USDA|VA) | 24 | $19,930,000 | $830,417 | $11,911 | 5.02% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $18,665,000 | $1,435,769 | $3,776 | 4.53% |
| BOULDER, CO (FHA|USDA|VA) | 15 | $18,585,000 | $1,239,000 | $19,483 | 4.89% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $11,075,000 | $3,691,667 | $994 | 4.38% |
| Outside of Metro Areas | 3 | $9,515,000 | $3,171,667 | $4,460 | 5.52% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 10 | $9,400,000 | $940,000 | $5,958 | 4.35% |
| Heber, UT (FHA|USDA|VA) | 8 | $8,400,000 | $1,050,000 | $7,373 | 5.03% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 13 | $8,185,000 | $629,615 | $3,903 | 4.15% |
| Woodward, OK (FHA|USDA|VA) | 18 | $7,720,000 | $428,889 | $3,528 | 4.04% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 6 | $7,450,000 | $1,241,667 | $18,693 | 5.17% |
| Hilo, HI (FHA|USDA|VA) | 1 | $7,005,000 | $7,005,000 | $62,342 | 4.60% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $6,375,000 | $1,275,000 | $4,183 | 4.40% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $5,995,000 | $1,199,000 | $19,717 | 4.77% |
| McAlester, OK (FHA|USDA|VA) | 7 | $5,435,000 | $776,429 | $6,248 | 4.39% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $5,105,000 | $1,701,667 | $7,685 | 4.64% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $5,080,000 | $1,270,000 | $3,315 | 4.18% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $5,020,000 | $836,667 | $12,896 | 5.70% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 11 | $4,515,000 | $410,455 | $0 | 5.16% |
| FORT COLLINS, CO (FHA|USDA|VA) | 6 | $4,380,000 | $730,000 | $8,284 | 4.48% |
| Show Low, AZ (FHA|USDA|VA) | 5 | $3,845,000 | $769,000 | $7,480 | 4.57% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $3,755,000 | $3,755,000 | $0 | 3.99% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 13 | $3,745,000 | $288,077 | $1,797 | 5.97% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $3,600,000 | $900,000 | $8,725 | 4.93% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $3,585,000 | $717,000 | $2,635 | 6.03% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $3,225,000 | $1,075,000 | $26,462 | 4.78% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $2,510,000 | $1,255,000 | $0 | 4.81% |
| RENO, NV (FHA|USDA|VA) | 1 | $2,415,000 | $2,415,000 | $7,519 | 4.78% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $2,410,000 | $401,667 | $5,282 | 4.62% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $2,385,000 | $795,000 | $13,483 | 4.53% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $2,310,000 | $1,155,000 | $0 | 5.88% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $2,205,000 | $2,205,000 | $26,210 | 5.90% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $2,190,000 | $219,000 | $2,113 | 4.25% |
| Durango, CO (FHA|USDA|VA) | 4 | $2,120,000 | $530,000 | $3,376 | 4.57% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $37,627 | 3.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,925,000 | $1,925,000 | $0 | 3.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $0 | 5.31% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $11,370 | 4.73% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $1,710,000 | $855,000 | $8,652 | 3.54% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $22,537 | 4.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $0 | 5.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $0 | 5.07% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $1,550,000 | $775,000 | $20,134 | 5.88% |
| Shawnee, OK (FHA|USDA|VA) | 12 | $1,520,000 | $126,667 | $2,004 | 3.51% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $9,297 | 4.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $3,617 | 4.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $1,400,000 | $87,500 | $0 | 4.86% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $1,370,000 | $114,167 | $0 | 4.18% |
| Altus, OK (FHA|USDA|VA) | 14 | $1,200,000 | $85,714 | $3,484 | 0.60% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $14,601 | 4.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $0 | 5.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 7.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $2,903 | 4.19% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,302 | 3.35% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $0 | 4.63% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $5,038 | 3.00% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $2,825 | 5.20% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $0 | 3.85% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $11,869 | 5.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $6,655 | 5.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $0 | 5.23% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 4.99% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $0 | 4.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,056 | 4.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $6,212 | 3.45% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $17,775 | 4.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,255 | 5.22% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,457 | 4.77% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,475 | 4.40% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,818 | 3.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $570,000 | $95,000 | $0 | 4.33% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,886 | 4.18% |
| Payson, AZ (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,743 | 5.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,367 | 6.13% |
| Weatherford, OK (FHA|USDA|VA) | 7 | $485,000 | $69,286 | $3,605 | 0.71% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $1,586 | 5.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.75% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,451 | 3.80% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,479 | 2.48% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,253 | 4.13% |
| Bonham, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,570 | 3.45% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,545 | 5.08% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 3.83% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 3.75% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 5.11% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 6.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 6.46% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 5.71% |
| OCALA, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 3.75% |
| TYLER, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 5.00% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,875 | 3.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 3.56% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 6.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 4.63% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.38% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,262 | 5.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 6.58% |
| Scottsbluff, NE (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 4.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 3.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.31% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.38% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.75% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.38% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.88% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 5.31% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 6.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.88% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.50% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 2.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 5.69% |
| Ada, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 5.94% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.13% |
| Taos, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.88% |
| Farmington, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.13% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.25% |
| WACO, TX (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 6.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 5.06% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.00% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 2.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.38% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.63% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $519 | 8.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.88% |
| Dublin, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| Silver City, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.00% |
| ROME, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.38% |
| AKRON, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.38% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.00% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.13% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.00% |
| ENID, OK (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 7.00% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.50% |
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Product Mix
For 2022, Midfirst Bank's most frequently originated type of loan was Conventional, with 1,877 originations. Their 2nd most popular type was HELOC, with 470 originations.
Loan Reason
For 2022, Midfirst Bank's most frequently cited loan purpose was Home Purchase, with 1,272 originations. The 2nd most popular reason was Refi, with 594 originations.
Loan Duration/Length
For 2022, Midfirst Bank's most frequently cited loan duration was 30 Year, with 1,275 originations. The 2nd most popular length was Other, with 652 originations.
Origination Fees/Closing Costs
Midfirst Bank's average total fees were $7,788, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 915 originations.
Interest Rates
During 2022, Midfirst Bank's average interest rate for loans was 4.65%, while their most frequently originated rate bucket for loans was 4-5%, with 685 originations.
Loan Sizing
2022 saw Midfirst Bank place emphasis on $200k-400k loans with 537 originations, totaling $153,575,000 in origination value.
Applicant Income
Midfirst Bank lent most frequently to those with incomes in the $250k+ range, with 714 originations. The second most popular income band? $100k-150k, with 228 originations.
Applicant Debt to Income Ratio
Midfirst Bank lent most frequently to those with DTI ratios of 20-30%, with 372 originations. The next most common DTI ratio? 30-36%, with 268 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.30%
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 origination84.70%
Midfirst Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,634 | $1,860,230,000 | $706,238 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,634 | $1,860,230,000 | $706,238 |