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Great Plains National Bank

BankElk City, OKHQDirectReviews near you on Google

We analyzed every closed loan from Great Plains National Bank 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and USDA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Great Plains National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+47.8 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
550 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
FHA
332 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
VA
131 loans · 0.16% below market
Strong
Top 40% of lenders
4/5
Jumbo
11 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
USDA
52 loans · 0.41% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
985 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
Refinance
91 loans · 0.67% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume550
Mix51.1%
Spread
+0.455%Above
Fees
$2,469Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume332
Mix30.9%
Spread
+0.655%Above
Fees
$1,961Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume131
Mix12.2%
Spread
-0.163%Below
Fees
$1,064Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Volume11
Mix1.0%
Spread
+0.510%Above
Fees
$1,132Fees
USDA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Pull Through
Exceptional
Volume52
Mix4.8%
Spread
+0.414%Above
Fees
$2,015Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume985
Mix91.5%
Spread
+0.453%Above
Fees
$2,116Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume91
Mix8.5%
Spread
+0.665%Above
Fees
$2,759Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,076
Applications
1,321
Volume
$289 million
Pricing & Closing
Avg Rate Spread
+0.478%
vs. market APOR
Avg Net Fees
$2,190
Origination − Credits
Pullthrough Rate
81.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$269,191
Avg Borrower Income
$133,901
Avg Property Value
$331,348

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

15Full-year 2024 · HMDA
15 states with loan originations
Loans originated
< 100100+None
Midwest4
ILINKSMO
South8
ALARFLKYLANCOKTX
West3
CACONM

Top Metro Areas by Place Specialization Score

Volume 64Mix 5.95% of portfolio
96/100
Exceptional
2© MARELBU · CC BY 3.0
Oklahoma City, OKMetro
Volume 582Mix 54.09% of portfolio
96/100
Exceptional
Volume 61Mix 5.67% of portfolio
59/100
Sound
Volume 33Mix 3.07% of portfolio
54/100
Sound

Top States by Place Specialization Score

Oklahoma
Oklahoma
1
OklahomaState
Volume 957Mix 88.94% of portfolio
92/100
Exceptional
Texas
Texas
2
TexasState
Volume 102Mix 9.48% of portfolio
57/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.