Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | BANCFIRST | FIRST BANK AND |
|---|---|---|
| Total Applications | 4,709 ▲ | 379 |
| Loans Originated | 3,713 | 281 |
| Approval Rate (higher is better) | 78.8% ✓ | 74.1% |
| Denial Rate (lower is better) | 10.0% ✓ | 12.9% |
| Avg Loan Amount | $149,088 | $151,755 |
| Avg Interest Rate (lower is better) | 7.970% | N/A |
| Avg Applicant Income | $34,000 | N/A |
| Applications Denied | 470 | 49 |
| Applications Withdrawn | 85 | 49 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | BANCFIRST | FIRST BANK AND |
|---|---|---|
| Conventional | 4,433 (94.1%) | 361 (95.3%) |
| FHA | 187 (4.0%) | 12 (3.2%) |
| VA | 39 (0.8%) | 5 (1.3%) |
| USDA | 50 (1.1%) | 1 (0.3%) |
Loan Purpose Breakdown
| Purpose | BANCFIRST | FIRST BANK AND |
|---|---|---|
| Home Purchase | 2,207 | 182 |
| Refinancing | 875 | 129 |
| Home Improvement | 857 | 38 |
| Other | 735 | 30 |
| Cash-out Refinancing | 35 | — |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Oklahoma | 3,689 | #3 |
No state data available.
Summary
- 4,709 total applications · 3,713 originated
- Approval rate: 78.8%
- Denial rate: 10.0%
- Avg loan: $149,088
- Avg rate: 7.970%
- HQ: OKLAHOMA CITY, OK
- 379 total applications · 281 originated
- Approval rate: 74.1%
- Denial rate: 12.9%
- Avg loan: $151,755
- HQ: DUNCAN, OK
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.