Great Plains National Bank Mortgage Rates, Fees & Info

Elk City, OK

LEI: 549300XKEC7P1D7OKJ16

Tax ID: 73-1500129

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

Review & Overview

Great Plains National Bank is a smaller bank specializing in Home Purchase and Refi loans. Great Plains National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Tulsa, Dallas, Stillwater, and Austin among others. We have data for 113 markets. (Some data included below & more in-depth data is available with an active subscription.)

Great Plains National 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. Great Plains National 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.

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
30 Year Conventional Purchase	6.85%	12/3/24
30 Year Conventional Refi	6.91%	12/3/24
30 Year Cash-out Refi	6.85%	12/3/24
30 Year FHA Purchase	7.74%	12/3/24
30 Year FHA Refi	7.44%	12/3/24
30 Year VA Purchase	6.47%	12/3/24
30 Year USDA Purchase	7.21%	12/3/24
15 Year Conventional Purchase	6.46%	12/3/24
15 Year Conventional Refi	7.58%	12/3/24
15 Year Cash-out Refi	7.58%	12/3/24
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.

Great Plains National Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

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

This is not an official calculator from Great Plains National 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

3,147

Origination Dollar Volume (All Markets)

$681,355,000

Employee count

321

Awards

Great Plains National Bank 30 Year Conventional Loans bronze

Great Plains National Bank 30 Year Conventional Loans gold

Great Plains National Bank 30 Year Conventional Loans silver

Show all (8) 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
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2,021	$430,025,000	$212,778	$4,836	3.27%
TULSA, OK (FHA\|USDA\|VA)	211	$40,935,000	$194,005	$5,052	3.13%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	108	$34,640,000	$320,741	$4,808	3.04%
Stillwater, OK (FHA\|USDA\|VA)	147	$30,825,000	$209,694	$3,945	3.21%
Outside of Metro Areas	149	$25,365,000	$170,235	$4,426	4.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	63	$17,195,000	$272,937	$4,646	3.07%
Woodward, OK (FHA\|USDA\|VA)	61	$10,485,000	$171,885	$4,397	3.40%
Elk City, OK (FHA\|USDA\|VA)	62	$9,200,000	$148,387	$3,645	4.42%
ENID, OK (FHA\|USDA\|VA)	41	$8,575,000	$209,146	$4,650	3.32%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	17	$8,065,000	$474,412	$6,661	2.91%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	26	$6,550,000	$251,923	$6,006	2.88%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	18	$6,060,000	$336,667	$5,709	3.20%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	8	$2,520,000	$315,000	$10,576	3.11%
Shawnee, OK (FHA\|USDA\|VA)	12	$2,250,000	$187,500	$4,456	3.15%
Weatherford, OK (FHA\|USDA\|VA)	7	$1,675,000	$239,286	$4,955	2.89%
Mineral Wells, TX (FHA\|USDA\|VA)	1	$1,625,000	$1,625,000	$0	4.00%
McAlester, OK (FHA\|USDA\|VA)	7	$1,555,000	$222,143	$5,016	3.14%
FORT COLLINS, CO (FHA\|USDA\|VA)	2	$1,430,000	$715,000	$4,175	3.56%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	5	$1,405,000	$281,000	$4,402	3.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	5	$1,355,000	$271,000	$5,805	3.05%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	3	$1,345,000	$448,333	$8,499	2.42%
Duncan, OK (FHA\|USDA\|VA)	4	$1,340,000	$335,000	$5,012	3.84%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	4	$1,340,000	$335,000	$4,691	3.03%
LAWTON, OK (FHA\|USDA\|VA)	8	$1,280,000	$160,000	$3,863	3.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	4	$1,260,000	$315,000	$13,445	2.53%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	6	$1,230,000	$205,000	$7,187	3.17%
ASHEVILLE, NC (FHA\|USDA\|VA)	7	$1,225,000	$175,000	$4,046	2.96%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	3	$1,125,000	$375,000	$15,033	3.13%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	3	$1,005,000	$335,000	$6,191	3.21%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	3	$905,000	$301,667	$2,229	3.13%
Altus, OK (FHA\|USDA\|VA)	8	$880,000	$110,000	$4,572	4.95%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	2	$860,000	$430,000	$17,126	2.44%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	4	$850,000	$212,500	$3,895	3.38%
GREELEY, CO (FHA\|USDA\|VA)	3	$835,000	$278,333	$2,723	2.67%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2	$810,000	$405,000	$12,338	2.81%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$760,000	$380,000	$6,046	3.13%
LUBBOCK, TX (FHA\|USDA\|VA)	2	$720,000	$360,000	$8,858	2.25%
WACO, TX (FHA\|USDA\|VA)	3	$665,000	$221,667	$3,551	2.79%
Ponca City, OK (FHA\|USDA\|VA)	4	$660,000	$165,000	$3,920	3.06%
SAVANNAH, GA (FHA\|USDA\|VA)	2	$640,000	$320,000	$15,039	2.88%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	3	$635,000	$211,667	$6,463	2.96%
HATTIESBURG, MS (FHA\|USDA\|VA)	2	$610,000	$305,000	$4,044	2.63%
Bartlesville, OK (FHA\|USDA\|VA)	4	$530,000	$132,500	$6,002	3.16%
WICHITA FALLS, TX (FHA\|USDA\|VA)	2	$490,000	$245,000	$15,090	4.13%
Cullowhee, NC (FHA\|USDA\|VA)	3	$485,000	$161,667	$5,006	3.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	2	$480,000	$240,000	$3,645	3.56%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$480,000	$240,000	$4,524	2.81%
LANCASTER, PA (FHA\|USDA\|VA)	1	$475,000	$475,000	$8,817	3.25%
Ardmore, OK (FHA\|USDA\|VA)	4	$470,000	$117,500	$4,028	3.09%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	3	$465,000	$155,000	$3,801	2.63%
Durant, OK (FHA\|USDA\|VA)	2	$450,000	$225,000	$6,865	4.00%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	2	$450,000	$225,000	$3,462	2.69%
Tahlequah, OK (FHA\|USDA\|VA)	2	$440,000	$220,000	$10,680	2.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$435,000	$435,000	$17,915	2.25%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$405,000	$405,000	$10,758	2.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,217	3.38%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$390,000	$195,000	$7,408	2.81%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$375,000	$375,000	$7,166	3.38%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$365,000	$365,000	$12,201	2.25%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	3	$365,000	$121,667	$5,083	4.04%
Lufkin, TX (FHA\|USDA\|VA)	1	$355,000	$355,000	$14,910	3.63%
DOTHAN, AL (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,409	2.75%
Guymon, OK (FHA\|USDA\|VA)	2	$340,000	$170,000	$3,904	2.63%
STOCKTON, CA (FHA\|USDA\|VA)	1	$335,000	$335,000	$4,712	3.63%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,375	3.13%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$325,000	$325,000	$15,697	4.88%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$320,000	$160,000	$13,773	3.25%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,214	3.13%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	2	$290,000	$145,000	$1,067	5.63%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	1	$285,000	$285,000	$2,370	2.63%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$4,598	2.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,699	2.25%
Cookeville, TN (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,957	3.50%
BAKERSFIELD, CA (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,575	3.63%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,099	3.25%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$255,000	$255,000	$11,047	3.63%
STAUNTON, VA (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,310	2.75%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$245,000	$245,000	$11,767	3.25%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$235,000	$235,000	$5,058	2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,960	2.75%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,699	3.38%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,267	2.88%
VALLEJO, CA (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,324	2.38%
Ada, OK (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,014	3.25%
LAREDO, TX (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,952	2.38%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,999	2.88%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,049	3.50%
SALISBURY, MD-DE (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,801	3.25%
VISALIA, CA (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,731	2.63%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,213	3.50%
Muskogee, OK (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,760	2.75%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,151	3.25%
Taos, NM (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,780	3.00%
GAINESVILLE, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,942	2.38%
EL PASO, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,262	2.75%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,764	2.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,719	2.75%
Cambridge, OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,361	3.38%
NEW BERN, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,523	4.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,579	2.50%
Hobbs, NM (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.75%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,391	2.38%
BOISE CITY, ID (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,575	3.38%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,261	2.63%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,983	3.88%
Emporia, KS (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	4.15%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,464	3.25%
AMARILLO, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.50%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.25%
Sidney, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,205	4.00%
Brownsville, TN (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,992	2.38%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,324	2.75%
Ottawa, KS (FHA\|USDA\|VA)	1	$55,000	$55,000	$4,342	3.25%

Great Plains National Bank's top markets include Oklahoma City, Tulsa, Dallas, Stillwater, and Austin among others.

Their top states include:

Oklahoma (FHA|USDA|VA)

Texas (FHA|USDA|VA)

California (FHA|USDA|VA)

Washington (FHA|USDA|VA)

Missouri (FHA|USDA|VA)

Similar Lenders

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

TRUE SKY
Similarity Rank: 168

RED CROWN
Similarity Rank: 408

WEOKIE
Similarity Rank: 420

ALLEGIANCE
Similarity Rank: 432

OKLAHOMA CENTRAL Credit Union
Similarity Rank: 456

Republic Bank & Trust
Similarity Rank: 512

SpiritBank
Similarity Rank: 606

United Heritage Credit Union
Similarity Rank: 657

Tulsa Federal Credit Union
Similarity Rank: 819

US Employees O.C. Federal Credit Union
Similarity Rank: 836

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,143	$469,005,000	$218,854	$3,691	3.34%
FHA	657	$120,335,000	$183,158	$6,975	3.28%
VA	296	$84,890,000	$286,791	$7,200	3.02%
USDA	51	$7,125,000	$139,706	$5,301	3.18%

For 2020, Great Plains National Bank's most frequently originated type of loan was Conventional, with 2,143 originations. Their 2nd most popular type was FHA, with 657 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,105	$451,315,000	$214,401	$5,314	3.30%
Refi	780	$175,310,000	$224,756	$3,737	3.26%
Cash Out Refi	235	$51,765,000	$220,277	$4,279	3.15%
Home Improvement	19	$1,985,000	$104,474	$3,367	5.39%
Other	7	$875,000	$125,000	$2,560	5.25%
NA	1	$105,000	$105,000	$0	4.75%

For 2020, Great Plains National Bank's most frequently cited loan purpose was Home Purchase, with 2,105 originations. The 2nd most popular reason was Refi, with 780 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,451	$545,395,000	$222,519	$5,160	3.17%
15 Year	448	$81,940,000	$182,902	$3,444	3.37%
20 Year	98	$23,110,000	$235,816	$3,643	3.60%
Other	52	$8,710,000	$167,500	$2,098	4.94%
10 Year	37	$4,505,000	$121,757	$3,273	4.09%
1 Year	36	$7,270,000	$201,944	$2,623	5.33%
5 Year	19	$9,705,000	$510,789	$1,119	5.32%
3 Year	6	$720,000	$120,000	$448	4.79%

For 2020, Great Plains National Bank's most frequently cited loan duration was 30 Year, with 2,451 originations. The 2nd most popular length was 15 Year, with 448 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	2,356	$510,750,000	$216,787
$<1k	198	$43,630,000	$220,354
$2k-3k	140	$32,520,000	$232,286
$3k-4k	67	$17,835,000	$266,194
$5k+	32	$12,450,000	$389,063
$4k-5k	25	$8,645,000	$345,800

Great Plains National Bank's average total fees were $5,160, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,356 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	1,417	$323,645,000	$228,402
3-4%	1,061	$222,845,000	$210,033
4-5%	292	$54,190,000	$185,582
<2.5%	250	$60,340,000	$241,360
5-6%	78	$15,520,000	$198,974
6-7%	34	$3,200,000	$94,118
7-8%	10	$1,120,000	$112,000
Over 8%	5	$495,000	$99,000

During 2020, Great Plains National Bank's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,417 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,339	$363,365,000	$271,370	$5,240	3.11%
$100k-200k	1,253	$191,545,000	$152,869	$4,471	3.27%
$100,000 or less	375	$26,775,000	$71,400	$3,442	4.10%
$400k-600k	161	$75,805,000	$470,839	$5,575	3.06%
$600k-1MM	10	$7,050,000	$705,000	$16,489	3.79%
$1MM+	9	$16,815,000	$1,868,333	$17,205	4.15%

2020 saw Great Plains National Bank place emphasis on $200k-400k loans with 1,339 originations, totaling $363,365,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	736	$136,060,000	$184,864	$5,006	3.26%
$75k-100k	606	$130,760,000	$215,776	$5,049	3.23%
$100k-150k	600	$150,140,000	$250,233	$4,925	3.16%
$50k or less	507	$67,365,000	$132,870	$4,530	3.26%
$150k-250k	351	$100,185,000	$285,427	$4,655	3.21%
$250k+	128	$44,790,000	$349,922	$5,337	3.32%

Great Plains National Bank lent most frequently to those with incomes in the $50k-75k range, with 736 originations. The second most popular income band? $75k-100k, with 606 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	654	$139,760,000	$213,700	$4,454	3.13%
30-36%	576	$125,120,000	$217,222	$4,684	3.20%
<20%	264	$53,140,000	$201,288	$3,961	3.21%
50-60%	144	$31,790,000	$220,764	$7,517	3.35%
44%	119	$27,155,000	$228,193	$5,086	3.30%
38%	112	$23,390,000	$208,839	$4,707	3.21%
42%	109	$22,075,000	$202,523	$4,799	3.24%
43%	105	$23,695,000	$225,667	$5,651	3.36%
37%	104	$23,120,000	$222,308	$5,073	3.20%
41%	99	$22,065,000	$222,879	$5,205	3.31%
39%	98	$22,850,000	$233,163	$5,055	3.28%
36%	91	$18,445,000	$202,692	$4,877	3.26%
40%	91	$21,565,000	$236,978	$4,984	3.25%
45%	84	$15,410,000	$183,452	$4,933	3.18%
49%	75	$17,685,000	$235,800	$5,080	3.07%
46%	69	$14,085,000	$204,130	$4,978	3.10%
47%	67	$15,425,000	$230,224	$5,055	3.05%
48%	58	$12,890,000	$222,241	$4,976	3.14%
>60%	3	$715,000	$238,333	$5,067	3.33%

Great Plains National Bank lent most frequently to those with DTI ratios of 20-30%, with 654 originations. The next most common DTI ratio? 30-36%, with 576 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,177	$464,895,000	$213,548	$4,770	3.24%
Not provided	432	$95,850,000	$221,875	$5,117	3.16%
Not applicable	132	$30,930,000	$234,318	$0	4.99%
Black	135	$30,705,000	$227,444	$5,671	3.19%
American Indian	137	$27,955,000	$204,051	$4,870	3.11%
Asian	119	$27,585,000	$231,807	$4,288	3.12%
Native Hawaiian or Islander	10	$2,410,000	$241,000	$5,623	2.86%
Asian Indian	4	$850,000	$212,500	$0	7.25%
Samoan	1	$175,000	$175,000	$0	8.25%

Approval Rates

Total approvals of all applications
96.64%

Great Plains National 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
84.49%

Great Plains National Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	3,147	$681,355,000	$216,509

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	1	$265,000	$265,000
Multifamily:Site-Built	22	$12,430,000	$565,000
Single Family (1-4 Units):Manufactured	51	$6,105,000	$119,706
Single Family (1-4 Units):Site-Built	3,073	$662,555,000	$215,605

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	80	$10,760,000	$134,500	$3,186	4.06%
40-60%	213	$41,795,000	$196,221	$3,551	3.40%
60-80%	840	$183,340,000	$218,262	$3,734	3.33%
80-100%	1,858	$400,750,000	$215,689	$5,143	3.24%
Over 100%	76	$26,830,000	$353,026	$13,320	3.17%
Under 20%	21	$1,805,000	$85,952	$1,594	4.84%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Great Plains National Bank	100 S Broadway St Taloga, OK 73667	Full Service B&M	$46,343
Great Plains National Bank	101 South Oklahoma Mangum, OK 73554	Full Service B&M	$45,846
Great Plains National Bank	1101 Sw 30th Ct Suite A Moore, OK 73160	Full Service B&M	$10,999
Great Plains National Bank	120 West Jones Street Hollis, OK 73550	Full Service B&M	$64,103
Great Plains National Bank	12001 Northwest Expressway Piedmont, OK 73078	Full Service B&M	$40,036
Great Plains National Bank	128 East Main Street Sayre, OK 73662	Full Service B&M	$57,096
Great Plains National Bank	1300 S. Main Elk City, OK 73648	Full Service B&M	$80,490
Great Plains National Bank	201 North Glenn English Street Cordell, OK 73632	Full Service B&M	$31,952
Great Plains National Bank	2017 West Third Elk City, OK 73644	Full Service B&M	$147,306
Great Plains National Bank	20221 East 1110 Road Elk City, OK 73644	Full Service B&M	$2,542
Great Plains National Bank	2220 Oklahoma Avenue Woodward, OK 73801	Full Service B&M	$67,509
Great Plains National Bank	232 South Main Stillwater, OK 74074	Full Service B&M	$14,651
Great Plains National Bank	305 W Memorial Rd Ste A-2 Oklahoma City, OK 73114	Full Service B&M	$1,014
Great Plains National Bank	401 West Broadway Enid, OK 73701	Full Service B&M	$52,142
Great Plains National Bank	429 South Broadway Hobart, OK 73651	Full Service B&M	$28,738
Great Plains National Bank	5002 East Hwy 37 Tuttle, OK 73089	Full Service B&M	$48,208
Great Plains National Bank	550 South Oakwood Enid, OK 73703	Full Service B&M	$9,034
Great Plains National Bank	601 Nw 13th Street Oklahoma City, OK 73103	Full Service B&M	$22,442
Great Plains National Bank	6701 Broadway Ext Oklahoma City, OK 73116	Limited, Administrative	$0
Great Plains National Bank	7000 Preston Road Frisco, TX 75034	Full Service B&M	$48,282
Great Plains National Bank	710 S Country Club Rd El Reno, OK 73036	Full Service B&M	$34,637

For 2020, Great Plains National Bank had 21 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$51,187
Net interest income	$45,127
Total noninterest income	$30,973
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$3,664
Trading account gains and fees	$0
Additional Noninterest Income	$27,309
Pre-tax net operating income	$17,499
Securities gains (or losses, -)	$23
Income before extraordinary items	$17,493
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$17,493
Minority interest net income	$0
Net income	$17,493
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$17,470

Great Plains National Bank's gross interest income from loans was $51,187,000.
Great Plains National Bank's net interest income from loans was $45,127,000.
Great Plains National Bank's fee based income from loans was $3,664,000.
Great Plains National Bank's net income from loans was $17,493,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$6,060
Provision for credit losses	$4,813
Total noninterest expense	$53,788
Salaries and employee benefits	$35,353
Premises and equipment expense	$4,625
Additional noninterest expense	$13,810
Applicable income taxes	$29
Net charge-offs	$4,736
Cash dividends	$8,874

Great Plains National Bank's interest expense for loans was $6,060,000.
Great Plains National Bank's payroll and benefits expense were $35,353,000.
Great Plains National Bank's property, plant and equipment expenses $4,625,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	6.0%
1-4 family residential loans	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
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	$837,507
Deposits held in domestic offices	$837,507
Deposits by Individuals, partnerships, and corporations	$745,018
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$52,165
Deposits by Commercial banks and other depository institutions in U.S.	$40,324
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$326,641
Demand deposits	$304,444
Nontransaction accounts	$510,866
Money market deposit accounts (MMDAs)	$152,308
Other savings deposits (excluding MMDAs)	$82,973
Total time deposits	$275,585
Total time and savings deposits	$533,063
Noninterest-bearing deposits	$194,971
Interest-bearing deposits	$642,536
Retail deposits	$773,794
IRAs and Keogh plan accounts	$13,633
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$945,007
Cash & Balances due from depository institutions	$28,674
Interest-bearing balances	$16,281
Total securities	$63,709
Federal funds sold & reverse repurchase	$1,309
Net loans and leases	$801,525
Loan and leases loss allowance	$9,701
Trading account assets	$0
Bank premises and fixed assets	$22,406
Other real estate owned	$1,009
Goodwill and other intangibles	$1,449
All other assets	$24,926

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$945,007
Total Liabilities	$848,055
Total deposits	$837,507
Interest-bearing deposits	$642,536
Deposits held in domestic offices	$837,507
% insured (estimated)	$81
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$10,548

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$801,525
Loan and leases loss allowance	$9,701
Total loans and leases (domestic)	$811,226
All real estate loans	$500,846
Real estate loans in domestic offices	$500,846
Construction and development loans	$54,166
Residential 1-4 family construction	$32,327
Other construction, all land development and other land	$21,839
Loans secured by nonfarm nonresidential properties	$171,407
Nonfarm nonresidential secured by owner-occupied properties	$45,782
Commercial real estate & other non-farm, non-residential	$125,625
Multifamily residential real estate	$7,329
1-4 family residential loans	$190,235
Farmland loans	$77,709
Loans held in foreign offices	$0
Farm loans	$53,515
Commercial and industrial loans	$225,381
To non-U.S. addressees	$0
Loans to individuals	$28,595
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$12,377
Other loans to individuals	$16,218
All other loans & leases	$2,889
Loans to foreign governments and official institutions	$0
Other loans	$641
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$206
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

Great Plains National Bank had $801,525,000 of loans outstanding in 2020. $500,846,000 of loans were in real estate loans. $54,166,000 of loans were in development loans. $7,329,000 of loans were in multifamily mortgage loans. $190,235,000 of loans were in 1-4 family mortgage loans. $53,515,000 of loans were in farm loans. $0 of loans were in credit card loans. $12,377,000 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	527	$89,903	$170,594
Nonfarm, nonresidential loans - <$100k	220	$8,333	$37,877
Nonfarm, nonresidential loans - $100-250k	168	$22,204	$132,167
Nonfarm, nonresidential loans - $250k-1MM	139	$59,366	$427,094
Commercial & Industrial, US addressed loans - <$1MM	2,008	$110,076	$54,819
Commercial & Industrial, US addressed loans - <$100k	1,619	$33,063	$20,422
Commercial & Industrial, US addressed loans - $100-250k	226	$25,526	$112,947
Commercial & Industrial, US addressed loans - $250k-1MM	163	$51,487	$315,871
Farmland loans - <$1MM	422	$42,673	$101,121
Farmland loans - <$100k	209	$8,783	$42,024
Farmland loans - $100-250k	166	$20,854	$125,627
Farmland loans - $250k-1MM	47	$13,036	$277,362
Agriculture operations loans - <$1MM	867	$34,504	$39,797
Agriculture operations loans - <$100k	717	$15,217	$21,223
Agriculture operations loans - $100-250k	110	$10,167	$92,427
Agriculture operations loans - $250k-1MM	40	$9,120	$228,000