We analyzed every closed loan from MidFirst Bank — 637 loans across 870 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 14.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
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Report Card
MidFirst Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 14.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
446 loans · 0.17% below market
Sound
Top 60% of lenders
3/5
FHA
31 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
Jumbo
155 loans · 0.21% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
591 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
Refinance
46 loans · 0.07% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 446 | 70.0% | -0.166%Below | $576Fees | ||||
FHA Loans | 31 | 4.9% | +0.536%Above | $1,156Fees | ||||
Jumbo Loans | 155 | 24.3% | -0.210%Below | $499Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume446
Mix70.0%
Spread
-0.166%Below
Fees
$576Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume31
Mix4.9%
Spread
+0.536%Above
Fees
$1,156Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume155
Mix24.3%
Spread
-0.210%Below
Fees
$499Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 591 | 92.8% | -0.150%Below | $577Fees | ||||
Refinance | 46 | 7.2% | -0.074%Below | $791Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume591
Mix92.8%
Spread
-0.150%Below
Fees
$577Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume46
Mix7.2%
Spread
-0.074%Below
Fees
$791Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
637
Applications
870
Volume
$393 million
Pricing & Closing
Avg Rate Spread
-0.145%
vs. market APOR
Avg Net Fees
$591
Origination − Credits
Pullthrough Rate
73.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$618,014
Avg Borrower Income
$361,273
Avg Property Value
$873,603
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
Midwest5
ILINMNMOOH
South8
ARFLGAOKSCTNTXVA
West6
AZCACONMNVUT
Top Metro Areas by Place Specialization Score
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.