We analyzed every closed loan from Bokf — 3.2k loans across 5k 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 21 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Bokf performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+38.2 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,480 loans · 0.36% above market
Exceptional
Top 20% of lenders
5/5
FHA
415 loans · 0.76% above market
Strong
Top 40% of lenders
4/5
VA
130 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
Jumbo
176 loans · 0.13% above market
Exceptional
Top 20% of lenders
5/5
USDA
16 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,821 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
Refinance
396 loans · 0.65% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 22 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 | 2,480 | 77.1% | +0.360%Above | $1,573Fees | ||||
FHA Loans | 415 | 12.9% | +0.760%Above | $2,360Fees | ||||
VA Loans | 130 | 4.0% | -0.048%Below | $2,527Fees | ||||
Jumbo Loans | 176 | 5.5% | +0.129%Above | $959Fees | ||||
USDA Loans | — | 16 | 0.5% | +0.520%Above | $1,360Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,480
Mix77.1%
Spread
+0.360%Above
Fees
$1,573Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume415
Mix12.9%
Spread
+0.760%Above
Fees
$2,360Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume130
Mix4.0%
Spread
-0.048%Below
Fees
$2,527Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume176
Mix5.5%
Spread
+0.129%Above
Fees
$959Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume16
Mix0.5%
Spread
+0.520%Above
Fees
$1,360Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,821 | 87.7% | +0.343%Above | $1,726Fees | ||||
Refinance | 396 | 12.3% | +0.654%Above | $1,208Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,821
Mix87.7%
Spread
+0.343%Above
Fees
$1,726Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume396
Mix12.3%
Spread
+0.654%Above
Fees
$1,208Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,217
Applications
4,637
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.382%
vs. market APOR
Avg Net Fees
$1,661
Origination − Credits
Pullthrough Rate
69.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$377,164
Avg Borrower Income
$188,664
Avg Property Value
$508,721
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
45
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
45Full-year 2024 · HMDALoans originated
< 2020–100100–500500+None
Northeast6
CTNHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARDCFLGAKYMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
10© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 74Mix 2.30% of portfolio
62/100
StrongShowing 10 of 21 metro areas
Top States 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.