We analyzed every closed loan from BancFirst — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
BancFirst performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
908 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
FHA
136 loans · 0.79% above market
Strong
Top 40% of lenders
4/5
VA
27 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
Jumbo
14 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
USDA
32 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
927 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
Refinance
190 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 908 | 81.3% | +0.291%Above | $1,243Fees | ||||
FHA Loans | 136 | 12.2% | +0.794%Above | $1,356Fees | ||||
VA Loans | 27 | 2.4% | -0.166%Below | $2,014Fees | ||||
Jumbo Loans | — | — | 14 | 1.3% | -0.415%Below | $2,599Fees | ||
USDA Loans | — | 32 | 2.9% | +0.397%Above | $1,384Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume908
Mix81.3%
Spread
+0.291%Above
Fees
$1,243Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume136
Mix12.2%
Spread
+0.794%Above
Fees
$1,356Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume27
Mix2.4%
Spread
-0.166%Below
Fees
$2,014Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume14
Mix1.3%
Spread
-0.415%Below
Fees
$2,599Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume32
Mix2.9%
Spread
+0.397%Above
Fees
$1,384Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 927 | 83.0% | +0.318%Above | $1,345Fees | ||||
Refinance | 190 | 17.0% | +0.450%Above | $1,076Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume927
Mix83.0%
Spread
+0.318%Above
Fees
$1,345Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume190
Mix17.0%
Spread
+0.450%Above
Fees
$1,076Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,117
Applications
1,509
Volume
$252 million
Pricing & Closing
Avg Rate Spread
+0.340%
vs. market APOR
Avg Net Fees
$1,299
Origination − Credits
Pullthrough Rate
74.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$225,654
Avg Borrower Income
$130,124
Avg Property Value
$313,111
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
< 1,0001,000+None
South2
OKTX
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.