MidFirst Bank mortgage approval rate & lending review
MidFirst Bank decided 5,617 mortgage applications and funded 4,713 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions MidFirst Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
MidFirst Bank at a glance
Approval is 4.1 points above the 81.8% 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 | 91% | 2,534 / 2,793 | 97% | $365K | 2,468 |
| Home improvement loans | 61% | 390 / 637 | 97% | $55K | 380 |
| Cash-out refinance | 43% | 20 / 47 | 100% | $175K | 20 |
| Refinance | 78% | 511 / 651 | 98% | $455K | 502 |
| Investment property purchase | 95% | 903 / 947 | 98% | $175K | 884 |
| Investment refinance | 91% | 369 / 406 | 98% | $245K | 363 |
| Investment home improvement | 75% | 93 / 124 | 99% | $325K | 92 |
MidFirst Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 78% | $285K | 2,192 | 1,669 |
| California | 91% | $725K | 1,046 | 937 |
| Arizona | 93% | $365K | 975 | 892 |
| Texas | 88% | $425K | 784 | 674 |
| Colorado | 93% | $315K | 240 | 214 |
| Nevada | 91% | $255K | 98 | 89 |
| Utah | 92% | $1.27M | 51 | 46 |
| New Mexico | 100% | $995K | 41 | 38 |
| Florida | 92% | $605K | 39 | 33 |
| New York | 97% | $1.96M | 29 | 21 |
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 MidFirst Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Mortgage lenders | 89% | 567 | 490 |
| Dallas County, TX | Mortgage lenders | 97% | 337 | 315 |
| Los Angeles County, CA | Investment property purchase | 99% | 242 | 238 |
| Tulsa County, OK | Mortgage lenders | 92% | 218 | 196 |
| Oklahoma County, OK | Home improvement loans | 57% | 284 | 159 |
| Maricopa County, AZ | Investment property purchase | 100% | 122 | 118 |
| Oklahoma County, OK | Refinance | 76% | 153 | 113 |
| Oklahoma County, OK | Investment property purchase | 85% | 122 | 101 |
| Cleveland County, OK | Mortgage lenders | 83% | 114 | 91 |
| Cleveland County, OK | Investment property purchase | 90% | 99 | 87 |
| Oklahoma County, OK | Investment refinance | 91% | 77 | 70 |
| Los Angeles County, CA | Investment refinance | 95% | 64 | 60 |
The county markets where MidFirst Bank made the most loans. Each link opens that market with every lender ranked.
Questions about MidFirst Bank
What is MidFirst Bank's mortgage approval rate?
MidFirst Bank approved 85.9% of the 5,617 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.1 points above the 81.8% national rate for the same mix of loan types.
How often do borrowers take the loan MidFirst Bank offers?
Borrowers accepted 98% of the loans MidFirst Bank 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 MidFirst Bank make?
The typical home purchase mortgage loan MidFirst Bank made was $365K; across all loan types its typical loan ran from $55K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does MidFirst Bank lend?
MidFirst Bank decided applications in 39 of the states Fat Boy Data covers, most of them in Oklahoma, California and Arizona.
Can I apply to MidFirst Bank directly?
Yes. MidFirst Bank is a bank or credit union with 93 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show MidFirst Bank'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 MidFirst Bank treats applications, then get a rate quote from the lender.