BancFirst mortgage approval rate & lending review
BancFirst decided 4,882 mortgage applications and funded 4,005 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BancFirst reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BancFirst at a glance
Approval is 12.2 points above the 78.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 1,230 / 1,332 | 83% | $205K | 1,022 |
| Home improvement loans | 78% | 744 / 952 | 86% | $55K | 642 |
| Cash-out refinance | 86% | 32 / 37 | 88% | $225K | 28 |
| Refinance | 89% | 592 / 666 | 92% | $85K | 547 |
| Investment property purchase | 98% | 1,233 / 1,256 | 95% | $135K | 1,168 |
| Investment refinance | 98% | 432 / 441 | 99% | $105K | 428 |
| Investment home improvement | 89% | 173 / 194 | 97% | $65K | 167 |
BancFirst lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where BancFirst lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Investment property purchase | 99% | 617 | 577 |
| Oklahoma County, OK | Mortgage lenders | 90% | 639 | 477 |
| Oklahoma County, OK | Home improvement loans | 77% | 461 | 307 |
| Oklahoma County, OK | Refinance | 87% | 335 | 268 |
| Oklahoma County, OK | Investment refinance | 97% | 194 | 186 |
| Cleveland County, OK | Investment property purchase | 97% | 185 | 169 |
| Comanche County, OK | Investment property purchase | 100% | 157 | 151 |
| Tulsa County, OK | Investment property purchase | 98% | 156 | 144 |
| Cleveland County, OK | Mortgage lenders | 96% | 187 | 142 |
| Tulsa County, OK | Mortgage lenders | 94% | 190 | 139 |
| Canadian County, OK | Mortgage lenders | 97% | 164 | 138 |
| Comanche County, OK | Mortgage lenders | 91% | 141 | 115 |
The county markets where BancFirst made the most loans. Each link opens that market with every lender ranked.
Questions about BancFirst
What is BancFirst's mortgage approval rate?
BancFirst approved 90.9% of the 4,882 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan BancFirst offers?
Borrowers accepted 90% of the loans BancFirst approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BancFirst make?
The typical home purchase mortgage loan BancFirst made was $205K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BancFirst lend?
BancFirst decided applications in 14 of the states Fat Boy Data covers, most of them in Oklahoma, Texas and Missouri.
Can I apply to BancFirst directly?
Yes. BancFirst is a bank or credit union with 121 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BancFirst's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how BancFirst treats applications, then get a rate quote from the lender.