Bokf Mortgage Rates, Fees & Info

Tulsa, OK

LEI: FU7RSW4CQQY98A2O7J66

Tax ID: 73-0780382

5 stars - out of 5 stars, based on 87 reviews

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

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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Bokf is a small mortgage company specializing in Home Purchase loans. Bokf 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: Tulsa, Albuquerque, Dallas, Denver, and Oklahoma City among others. We have data for 246 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bokf has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bokf 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
    Home Equity Line of Credit (HELOC) 6.27% 6/4/23
    30 Year Conventional Purchase 6.66% 6/4/23
    30 Year Conventional Refi 6.60% 6/4/23
    30 Year Cash-out Refi 6.94% 6/4/23
    30 Year FHA Purchase 7.28% 6/4/23
    30 Year FHA Refi 6.99% 6/4/23
    30 Year VA Purchase 6.36% 6/4/23
    30 Year VA Refi 6.17% 6/4/23
    30 Year USDA Purchase 6.74% 6/4/23
    30 Year USDA Refi 6.27% 6/4/23
    15 Year Conventional Purchase 6.26% 6/4/23
    15 Year Conventional Refi 6.28% 6/4/23
    15 Year Cash-out Refi 6.28% 6/4/23
    15 Year FHA Purchase 6.74% 6/4/23
    15 Year VA Purchase 6.76% 6/4/23
    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.

    Bokf Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Bokf. 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

    7,547

    Origination Dollar Volume (All Markets)

    $2,233,785,000
    Show all (15) awards

    Relative Rate

    Bokf's average 30 year fixed mortgage rate was 4.91%.

    The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

    This yields a difference of 0.15%.

    Relative Fees (Closing Costs)

    Bokf's average total fees/closing costs for a 30 year fixed rate mortgage were $5,673.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    TULSA, OK (FHA|USDA|VA) 1,511 $241,005,000 $159,500 $4,155 4.85%
    ALBUQUERQUE, NM (FHA|USDA|VA) 913 $238,835,000 $261,594 $5,228 4.78%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 743 $224,785,000 $302,537 $6,012 4.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 461 $184,595,000 $400,423 $4,631 4.70%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1,067 $175,635,000 $164,606 $3,536 4.86%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 300 $126,450,000 $421,500 $6,261 4.73%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 288 $100,440,000 $348,750 $4,585 4.54%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 370 $82,580,000 $223,189 $3,435 4.88%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $79,895,000 $11,413,571 $5,791 5.61%
    Breckenridge, CO (FHA|USDA|VA) 128 $68,150,000 $532,422 $3,894 4.91%
    Outside of Metro Areas 231 $63,125,000 $273,268 $4,191 4.78%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 64 $48,990,000 $765,469 $5,827 4.92%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $41,695,000 $13,898,333 $6,545 4.78%
    SANTA FE, NM (FHA|USDA|VA) 124 $39,510,000 $318,629 $5,978 4.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $32,865,000 $10,955,000 $4,311 3.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 166 $32,620,000 $196,506 $3,595 5.04%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $29,910,000 $7,477,500 $9,050 5.16%
    WICHITA, KS (FHA|USDA|VA) 39 $28,035,000 $718,846 $4,879 4.99%
    Edwards, CO (FHA|USDA|VA) 40 $21,200,000 $530,000 $3,987 4.71%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 14 $20,290,000 $1,449,286 $3,115 4.99%
    FORT COLLINS, CO (FHA|USDA|VA) 43 $17,105,000 $397,791 $4,007 4.48%
    BOULDER, CO (FHA|USDA|VA) 28 $16,240,000 $580,000 $4,304 5.17%
    GREELEY, CO (FHA|USDA|VA) 39 $14,535,000 $372,692 $5,719 4.28%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 39 $14,475,000 $371,154 $4,140 5.16%
    Show Low, AZ (FHA|USDA|VA) 4 $14,030,000 $3,507,500 $6,321 3.78%
    Los Alamos, NM (FHA|USDA|VA) 31 $14,025,000 $452,419 $7,650 5.40%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $13,595,000 $13,595,000 $0 5.55%
    AMARILLO, TX (FHA|USDA|VA) 7 $11,015,000 $1,573,571 $4,616 4.69%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 34 $10,000,000 $294,118 $7,296 5.03%
    Del Rio, TX (FHA|USDA|VA) 2 $8,720,000 $4,360,000 $3,282 5.08%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $8,590,000 $2,147,500 $9,458 5.38%
    ENID, OK (FHA|USDA|VA) 73 $8,015,000 $109,795 $3,516 4.96%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 26 $7,990,000 $307,308 $3,705 4.52%
    TOPEKA, KS (FHA|USDA|VA) 39 $5,895,000 $151,154 $3,718 4.66%
    FLAGSTAFF, AZ (FHA|USDA|VA) 7 $5,425,000 $775,000 $6,213 5.40%
    Muskogee, OK (FHA|USDA|VA) 51 $5,395,000 $105,784 $3,055 4.85%
    Bozeman, MT (FHA|USDA|VA) 5 $5,205,000 $1,041,000 $4,356 6.08%
    LAWTON, OK (FHA|USDA|VA) 32 $4,920,000 $153,750 $4,682 4.84%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 9 $4,815,000 $535,000 $5,486 4.03%
    Bartlesville, OK (FHA|USDA|VA) 38 $4,760,000 $125,263 $3,930 4.61%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 8 $4,700,000 $587,500 $11,032 4.28%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $4,505,000 $4,505,000 $0 2.55%
    LAS CRUCES, NM (FHA|USDA|VA) 21 $4,145,000 $197,381 $4,865 4.95%
    Durango, CO (FHA|USDA|VA) 3 $3,745,000 $1,248,333 $5,221 5.63%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $3,575,000 $397,222 $4,451 4.53%
    TUCSON, AZ (FHA|USDA|VA) 12 $3,570,000 $297,500 $5,718 4.94%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $3,240,000 $810,000 $5,624 4.16%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $3,145,000 $349,444 $3,442 5.44%
    Española, NM (FHA|USDA|VA) 16 $3,010,000 $188,125 $5,853 4.61%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $2,875,000 $958,333 $5,905 5.58%
    Taos, NM (FHA|USDA|VA) 6 $2,870,000 $478,333 $8,262 4.49%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $2,790,000 $348,750 $3,750 3.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 22 $2,570,000 $116,818 $3,889 4.72%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $2,560,000 $1,280,000 $8,715 6.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $2,535,000 $845,000 $3,569 3.83%
    Athens, TX (FHA|USDA|VA) 2 $2,490,000 $1,245,000 $5,384 4.54%
    McAlester, OK (FHA|USDA|VA) 22 $2,390,000 $108,636 $3,184 4.83%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $2,360,000 $393,333 $5,305 5.01%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $2,255,000 $322,143 $5,027 4.25%
    Granbury, TX (FHA|USDA|VA) 8 $2,250,000 $281,250 $6,717 4.72%
    WACO, TX (FHA|USDA|VA) 7 $2,215,000 $316,429 $6,788 4.41%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,095,000 $698,333 $7,922 3.33%
    Fredericksburg, TX (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $24,147 6.18%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,995,000 $665,000 $7,991 6.21%
    GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,975,000 $395,000 $3,923 3.75%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,740,000 $435,000 $4,330 3.56%
    Stillwater, OK (FHA|USDA|VA) 10 $1,700,000 $170,000 $5,201 5.21%
    TYLER, TX (FHA|USDA|VA) 6 $1,670,000 $278,333 $5,344 5.27%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,625,000 $541,667 $7,504 3.96%
    SPRINGFIELD, MO (FHA|USDA|VA) 10 $1,510,000 $151,000 $2,601 4.83%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 4.50%
    Cañon City, CO (FHA|USDA|VA) 6 $1,490,000 $248,333 $3,464 4.67%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 5 $1,445,000 $289,000 $5,107 4.63%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 5 $1,365,000 $273,000 $4,083 4.90%
    CHEYENNE, WY (FHA|USDA|VA) 3 $1,345,000 $448,333 $4,655 5.29%
    Fort Morgan, CO (FHA|USDA|VA) 7 $1,265,000 $180,714 $5,255 3.41%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $1,245,000 $415,000 $6,084 5.17%
    Shawnee, OK (FHA|USDA|VA) 10 $1,240,000 $124,000 $4,570 5.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,235,000 $176,429 $3,690 5.79%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $3,348 5.05%
    SALEM, OR (FHA|USDA|VA) 2 $1,190,000 $595,000 $4,605 5.25%
    EL PASO, TX (FHA|USDA|VA) 8 $1,160,000 $145,000 $5,786 5.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $1,140,000 $285,000 $4,573 4.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,311 3.54%
    FARMINGTON, NM (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,473 4.63%
    Glenwood Springs, CO (FHA|USDA|VA) 3 $1,065,000 $355,000 $2,599 4.50%
    Outside of Metro Areas 1 $1,065,000 $1,065,000 $8,835 6.00%
    FORT SMITH, AR-OK (FHA|USDA|VA) 6 $1,040,000 $173,333 $3,668 5.46%
    REDDING, CA (FHA|USDA|VA) 2 $970,000 $485,000 $5,069 3.94%
    Warrensburg, MO (FHA|USDA|VA) 5 $925,000 $185,000 $4,557 4.77%
    LUBBOCK, TX (FHA|USDA|VA) 8 $910,000 $113,750 $4,186 4.94%
    Liberal, KS (FHA|USDA|VA) 3 $895,000 $298,333 $2,992 5.42%
    Tahlequah, OK (FHA|USDA|VA) 5 $845,000 $169,000 $3,988 5.00%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $835,000 $278,333 $4,810 4.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $825,000 $825,000 $3,323 3.68%
    Duncan, OK (FHA|USDA|VA) 3 $815,000 $271,667 $4,785 4.88%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $800,000 $400,000 $5,820 3.31%
    LONGVIEW, TX (FHA|USDA|VA) 3 $795,000 $265,000 $5,779 5.88%
    COLUMBIA, MO (FHA|USDA|VA) 2 $790,000 $395,000 $4,049 3.56%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $775,000 $775,000 $6,208 3.13%
    MIDLAND, TX (FHA|USDA|VA) 4 $770,000 $192,500 $5,439 3.69%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $740,000 $370,000 $7,662 4.75%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $730,000 $182,500 $2,997 4.75%
    LAWRENCE, KS (FHA|USDA|VA) 3 $725,000 $241,667 $1,948 4.23%
    FAYETTEVILLE, NC (FHA|USDA|VA) 3 $705,000 $235,000 $3,945 4.54%
    JOPLIN, MO (FHA|USDA|VA) 4 $690,000 $172,500 $3,157 5.28%
    HOT SPRINGS, AR (FHA|USDA|VA) 4 $690,000 $172,500 $3,797 5.66%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $675,000 $225,000 $3,175 4.25%
    Gallup, NM (FHA|USDA|VA) 5 $675,000 $135,000 $3,208 4.73%
    Hobbs, NM (FHA|USDA|VA) 5 $645,000 $129,000 $4,036 5.08%
    Newport, OR (FHA|USDA|VA) 1 $645,000 $645,000 $26,173 6.50%
    Arcadia, FL (FHA|USDA|VA) 1 $635,000 $635,000 $9,988 4.88%
    Harrison, AR (FHA|USDA|VA) 4 $600,000 $150,000 $2,967 5.78%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $595,000 $198,333 $4,413 5.71%
    STOCKTON, CA (FHA|USDA|VA) 1 $585,000 $585,000 $5,617 5.00%
    Sterling, CO (FHA|USDA|VA) 2 $580,000 $290,000 $4,639 4.13%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $575,000 $575,000 $6,796 6.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $560,000 $280,000 $4,670 5.19%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $560,000 $140,000 $5,971 5.31%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $555,000 $555,000 $5,519 3.00%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $555,000 $555,000 $0 4.72%
    ANCHORAGE, AK (FHA|USDA|VA) 2 $550,000 $275,000 $5,358 5.06%
    COLUMBUS, OH (FHA|USDA|VA) 1 $545,000 $545,000 $4,930 5.50%
    Ardmore, OK (FHA|USDA|VA) 3 $535,000 $178,333 $2,573 5.72%
    Bonham, TX (FHA|USDA|VA) 3 $535,000 $178,333 $8,033 3.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $530,000 $265,000 $4,359 6.44%
    Sedalia, MO (FHA|USDA|VA) 3 $525,000 $175,000 $4,468 5.38%
    Altus, OK (FHA|USDA|VA) 3 $515,000 $171,667 $4,257 4.38%
    Kerrville, TX (FHA|USDA|VA) 2 $510,000 $255,000 $5,849 4.75%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $505,000 $505,000 $2,796 5.55%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $495,000 $495,000 $7,466 4.75%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $465,000 $465,000 $9,505 6.13%
    MANHATTAN, KS (FHA|USDA|VA) 2 $450,000 $225,000 $3,294 4.19%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $445,000 $445,000 $6,153 6.00%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $445,000 $445,000 $4,687 5.38%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $445,000 $445,000 $5,610 5.25%
    Lufkin, TX (FHA|USDA|VA) 1 $435,000 $435,000 $10,587 4.88%
    COLUMBIA, SC (FHA|USDA|VA) 2 $430,000 $215,000 $4,020 6.00%
    Montrose, CO (FHA|USDA|VA) 1 $425,000 $425,000 $20,969 5.13%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $425,000 $425,000 $3,400 3.13%
    Pahrump, NV (FHA|USDA|VA) 1 $425,000 $425,000 $4,229 6.38%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $420,000 $210,000 $5,263 6.31%
    Coos Bay, OR (FHA|USDA|VA) 1 $415,000 $415,000 $5,239 3.38%
    Mineral Wells, TX (FHA|USDA|VA) 1 $415,000 $415,000 $17,594 4.75%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $410,000 $205,000 $3,416 4.31%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $410,000 $205,000 $7,698 4.88%
    RACINE, WI (FHA|USDA|VA) 1 $405,000 $405,000 $2,493 3.88%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $390,000 $195,000 $8,052 4.50%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $380,000 $190,000 $6,543 3.94%
    PUEBLO, CO (FHA|USDA|VA) 1 $375,000 $375,000 $2,698 3.63%
    BOISE CITY, ID (FHA|USDA|VA) 1 $365,000 $365,000 $4,122 3.63%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $365,000 $365,000 $6,314 4.88%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $365,000 $365,000 $6,228 5.50%
    VISALIA, CA (FHA|USDA|VA) 1 $365,000 $365,000 $9,051 5.13%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $345,000 $345,000 $4,357 2.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $345,000 $345,000 $3,308 5.50%
    Palestine, TX (FHA|USDA|VA) 1 $335,000 $335,000 $6,494 5.00%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $325,000 $325,000 $3,151 4.63%
    Sandpoint, ID (FHA|USDA|VA) 1 $325,000 $325,000 $7,438 5.88%
    Ponca City, OK (FHA|USDA|VA) 3 $325,000 $108,333 $7,708 3.79%
    Coffeyville, KS (FHA|USDA|VA) 2 $320,000 $160,000 $4,858 4.44%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $310,000 $155,000 $5,214 5.63%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $5,048 4.00%
    Williston, ND (FHA|USDA|VA) 1 $305,000 $305,000 $3,138 3.75%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,477 3.88%
    Payson, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $5,001 6.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $300,000 $150,000 $4,974 6.81%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $295,000 $295,000 $5,769 7.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $295,000 $295,000 $8,107 3.00%
    Fallon, NV (FHA|USDA|VA) 1 $285,000 $285,000 $6,565 6.00%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $285,000 $285,000 $2,637 3.88%
    WILMINGTON, NC (FHA|USDA|VA) 1 $275,000 $275,000 $4,055 2.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $275,000 $275,000 $13,935 6.63%
    Alamogordo, NM (FHA|USDA|VA) 3 $275,000 $91,667 $3,483 6.94%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $265,000 $265,000 $9,621 5.88%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $265,000 $265,000 $6,259 5.00%
    LINCOLN, NE (FHA|USDA|VA) 1 $265,000 $265,000 $5,438 3.38%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $9,418 6.38%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $255,000 $255,000 $7,308 4.63%
    Huntsville, TX (FHA|USDA|VA) 2 $250,000 $125,000 $0 3.43%
    Bennington, VT (FHA|USDA|VA) 1 $245,000 $245,000 $4,679 3.75%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $9,069 4.13%
    RAPID CITY, SD (FHA|USDA|VA) 1 $245,000 $245,000 $10,338 5.63%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,304 3.25%
    Sterling, IL (FHA|USDA|VA) 1 $245,000 $245,000 $2,762 7.13%
    ERIE, PA (FHA|USDA|VA) 2 $240,000 $120,000 $5,589 6.63%
    Vincennes, IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,521 6.13%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $235,000 $235,000 $2,465 2.75%
    Deming, NM (FHA|USDA|VA) 3 $235,000 $78,333 $3,722 4.33%
    El Dorado, AR (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.86%
    FARGO, ND-MN (FHA|USDA|VA) 1 $225,000 $225,000 $3,512 4.00%
    Lumberton, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,379 3.75%
    Centralia, WA (FHA|USDA|VA) 1 $225,000 $225,000 $13,053 3.38%
    Russellville, AR (FHA|USDA|VA) 1 $215,000 $215,000 $1,804 4.63%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $215,000 $215,000 $6,482 5.63%
    VICTORIA, TX (FHA|USDA|VA) 2 $210,000 $105,000 $5,117 3.69%
    Dublin, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,577 6.25%
    Ruidoso, NM (FHA|USDA|VA) 1 $205,000 $205,000 $7,140 5.63%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $5,321 4.88%
    Craig, CO (FHA|USDA|VA) 1 $205,000 $205,000 $3,392 5.25%
    Magnolia, AR (FHA|USDA|VA) 1 $195,000 $195,000 $4,021 4.63%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,923 5.13%
    ODESSA, TX (FHA|USDA|VA) 2 $190,000 $95,000 $3,828 3.19%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $190,000 $95,000 $4,081 3.88%
    BANGOR, ME (FHA|USDA|VA) 1 $185,000 $185,000 $4,885 3.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,924 5.75%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $185,000 $185,000 $8,259 6.13%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $180,000 $90,000 $2,559 3.81%
    IOWA CITY, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,405 3.25%
    Stephenville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,993 3.75%
    HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $6,367 6.13%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,178 6.13%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,347 3.75%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $6,152 4.63%
    Butte-Silver Bow, MT (FHA|USDA|VA) 1 $145,000 $145,000 $4,923 7.50%
    Elk City, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,787 3.88%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $145,000 $145,000 $2,284 3.25%
    Nacogdoches, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,450 3.75%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,500 4.63%
    Miami, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,679 4.38%
    Eufaula, AL-GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,931 3.13%
    SYRACUSE, NY (FHA|USDA|VA) 1 $125,000 $125,000 $8,128 5.13%
    Ada, OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,856 5.88%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,882 5.13%
    Corsicana, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,951 7.50%
    Clovis, NM (FHA|USDA|VA) 1 $115,000 $115,000 $4,702 6.13%
    Weatherford, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.15%
    ABILENE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.50%
    Grants, NM (FHA|USDA|VA) 2 $100,000 $50,000 $2,529 6.13%
    Atchison, KS (FHA|USDA|VA) 1 $95,000 $95,000 $3,859 5.50%
    Woodward, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,329 6.00%
    Crawfordsville, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,093 5.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,349 4.88%
    Lebanon, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,868 2.88%
    Levelland, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,860 6.63%
    Marshall, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.45%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,970 4.13%
    Roswell, NM (FHA|USDA|VA) 2 $80,000 $40,000 $90 6.48%
    Parsons, KS (FHA|USDA|VA) 1 $75,000 $75,000 $4,644 4.50%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $65,000 $65,000 $3,027 4.88%
    DECATUR, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,506 5.50%
    Hope, AR (FHA|USDA|VA) 1 $45,000 $45,000 $3,820 5.88%
    Silver City, NM (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
    LAREDO, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.48%
    West Plains, MO (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $25,000 $25,000 $180 6.40%
    Bokf's top markets include Tulsa, Albuquerque, Dallas, Denver, and Oklahoma City among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,000 $1,735,210,000 $347,042 $3,954 4.94%
    HELOC 1,829 $313,885,000 $171,616 n/a 4.41%
    FHA 485 $112,435,000 $231,825 $8,865 4.99%
    VA 197 $66,405,000 $337,081 $9,234 4.72%
    USDA 36 $5,850,000 $162,500 $5,586 4.64%

    For 2022, Bokf's most frequently originated type of loan was Conventional, with 5,000 originations. Their 2nd most popular type was HELOC, with 1,829 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,664 $1,483,140,000 $404,787 $5,747 4.96%
    Home Improvement 1,458 $132,890,000 $91,145 $156 4.84%
    Cash Out Refi 998 $233,930,000 $234,399 $4,306 4.47%
    Other 767 $132,875,000 $173,240 $1,650 5.10%
    Refi 660 $250,950,000 $380,227 $3,023 4.04%

    For 2022, Bokf's most frequently cited loan purpose was Home Purchase, with 3,664 originations. The 2nd most popular reason was Home Improvement, with 1,458 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,043 $1,254,745,000 $310,350 $5,673 4.91%
    Other 1,653 $494,495,000 $299,150 $1,777 4.41%
    20 Year 937 $187,805,000 $200,432 $849 5.31%
    15 Year 627 $121,825,000 $194,298 $3,139 4.13%
    10 Year 180 $13,450,000 $74,722 $731 5.42%
    5 Year 84 $30,330,000 $361,071 $60 5.62%
    3 Year 20 $127,830,000 $6,391,500 $0 4.64%
    1 Year 3 $3,305,000 $1,101,667 $7,044 6.18%

    For 2022, Bokf's most frequently cited loan duration was 30 Year, with 4,043 originations. The 2nd most popular length was Other, with 1,653 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,708 $794,560,000 $293,412
    $<1k 1,245 $158,995,000 $127,707
    $2k-3k 718 $204,080,000 $284,234
    $3k-4k 379 $112,995,000 $298,140
    $5k+ 367 $158,905,000 $432,984
    $4k-5k 222 $73,730,000 $332,117

    Bokf's average total fees were $5,673, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,708 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,100 $543,770,000 $258,938
    4-5% 2,014 $619,560,000 $307,627
    5-6% 1,907 $678,375,000 $355,729
    6-7% 861 $197,555,000 $229,448
    2.5-3% 288 $130,730,000 $453,924
    7-8% 281 $47,755,000 $169,947
    Over 8% 53 $3,815,000 $71,981
    <2.5% 43 $12,225,000 $284,302

    During 2022, Bokf's average interest rate for loans was 4.91%, while their most frequently originated rate bucket for loans was 3-4%, with 2,100 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,267 $635,385,000 $280,276 $5,787 4.80%
    $100,000 or less 2,229 $115,455,000 $51,797 $1,089 4.90%
    $100k-200k 1,792 $262,390,000 $146,423 $4,112 4.76%
    $400k-600k 798 $382,870,000 $479,787 $6,269 4.71%
    $600k-1MM 331 $232,815,000 $703,369 $6,527 4.72%
    $1MM+ 130 $604,870,000 $4,652,846 $8,820 4.72%

    2022 saw Bokf place emphasis on $200k-400k loans with 2,267 originations, totaling $635,385,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,629 $371,245,000 $227,897 $4,824 4.78%
    $50k-75k 1,359 $210,935,000 $155,213 $4,437 4.90%
    $150k-250k 1,342 $381,680,000 $284,411 $4,841 4.85%
    $75k-100k 1,065 $202,955,000 $190,568 $4,789 4.86%
    $50k or less 918 $104,200,000 $113,508 $3,464 4.71%
    $250k+ 872 $440,250,000 $504,874 $5,508 4.71%

    Bokf lent most frequently to those with incomes in the $100k-150k range, with 1,629 originations. The second most popular income band? $50k-75k, with 1,359 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,450 $348,000,000 $240,000 $4,051 4.70%
    30-36% 1,242 $286,690,000 $230,829 $4,303 4.82%
    <20% 597 $162,115,000 $271,549 $3,442 4.43%
    49% 566 $89,660,000 $158,410 $3,659 4.94%
    39% 301 $68,805,000 $228,588 $4,674 4.79%
    41% 291 $75,225,000 $258,505 $4,775 4.84%
    42% 275 $73,945,000 $268,891 $5,010 4.83%
    38% 263 $67,375,000 $256,179 $4,719 4.88%
    40% 261 $67,005,000 $256,724 $5,006 4.90%
    37% 260 $65,170,000 $250,654 $4,539 4.89%
    44% 254 $63,020,000 $248,110 $5,567 5.06%
    45% 252 $57,170,000 $226,865 $4,651 4.92%
    43% 251 $61,415,000 $244,681 $4,454 4.82%
    47% 250 $53,720,000 $214,880 $4,555 4.96%
    48% 241 $48,745,000 $202,261 $4,515 5.07%
    36% 238 $58,060,000 $243,950 $4,720 4.74%
    50-60% 238 $70,370,000 $295,672 $9,486 4.78%
    46% 233 $46,405,000 $199,163 $4,729 4.98%
    >60% 10 $7,790,000 $779,000 $10,125 4.93%

    Bokf lent most frequently to those with DTI ratios of 20-30%, with 1,450 originations. The next most common DTI ratio? 30-36%, with 1,242 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,733 $1,362,615,000 $237,679 $4,498 4.81%
    Not applicable 74 $463,100,000 $6,258,108 $8,002 4.72%
    Not provided 766 $201,320,000 $262,820 $4,557 4.81%
    Asian 310 $83,510,000 $269,387 $4,696 4.71%
    American Indian 369 $67,345,000 $182,507 $4,952 4.83%
    Black 228 $41,190,000 $180,658 $4,978 4.92%
    Asian Indian 25 $6,355,000 $254,200 $5,181 4.94%
    Other Asian 11 $2,315,000 $210,455 $5,472 4.82%
    Other Pacific Islander 6 $1,790,000 $298,333 $6,983 4.13%
    Filipino 5 $1,155,000 $231,000 $5,379 4.80%
    Chinese 4 $870,000 $217,500 $5,488 5.18%
    Native Hawaiian or Islander 4 $850,000 $212,500 $8,338 4.97%
    Vietnamese 5 $525,000 $105,000 $3,461 4.42%
    Japanese 1 $455,000 $455,000 $5,330 3.88%
    Korean 1 $295,000 $295,000 $2,382 3.13%
    5 $95,000 $19,000 $90 5.43%

    Approval Rates

    Total approvals of all applications
    72.62%

    Bokf has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    70.00%

    Bokf has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,547 $2,233,785,000 $295,983

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,547 $2,233,785,000 $295,983

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,064 $167,680,000 $157,594 $1,939 4.77%
    40-60% 881 $341,615,000 $387,758 $4,144 4.42%
    60-80% 1,697 $754,305,000 $444,493 $4,969 4.72%
    80-100% 2,193 $716,375,000 $326,664 $6,031 4.94%
    Over 100% 51 $133,705,000 $2,621,667 $15,421 4.72%
    Under 20% 1,657 $108,185,000 $65,290 $259 4.95%