Applications / Mortgage Analytics / Lenders / Oklahoma / MidFirst Bank
Oklahoma City, OK · Savings institution · OCC · $41.4 billion assets · 2,416 loans in 2025
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2,416
loans originated, 2025
3,262
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MidFirst Bank is a large-loan lender and a heavy buyer of loans, and its originations grew 26% in 2025, faster than similar lenders (7%) and the whole market (10%).
Similar lenders here are other savings institutions with between half and twice its originations. MidFirst Bank made 2,416 loans, up from 1,920 in 2024, growing faster than more than eight in ten of them, though still below the 3,291 of 2020.
Its loan count was near the middle of similar lenders, but its $1.81 billion lent was the highest among them. Jumbo loans (larger than the conforming limit) were 24.3% of its loans, against 2.1%, and the typical loan was $375,000, against $220,000. It bought 11,244 loans from other lenders, the most among similar lenders, though fewer than the 61,926 of five years earlier.
Only 15.6% of its loans went to LMI (low- and moderate-income) borrowers, against 25.4% at similar lenders, the lowest among them. Yet 21.1% were in LMI areas, higher than about nine in ten, and 35.3% in majority-minority areas, the highest. One possible reason for the low borrower share is its focus on large loans, which tend to go to higher-income borrowers.
It ranks 9 of 534 lenders in Oklahoma City, where it has lent since before 1990; its share there rose to 2.2% from 2.1%. In Santa Maria-Santa Barbara it ranks 10 of 339, with 2.6% against 0.8% a year earlier.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MidFirst Bank took 3,262 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.7% · Refinance 18.2% · Other 17.2% · Home improvement 7.9%
Conventional 90.8% · FHA 7.6% · VA 1.6% · USDA (RHS or FSA) 0.0% · of 2,416 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 728 | 30.1% |
| California | 535 | 22.1% |
| Texas | 385 | 15.9% |
| Arizona | 281 | 11.6% |
| Colorado | 152 | 6.3% |
| Nevada | 72 | 3.0% |
| Utah | 42 | 1.7% |
| New York | 24 | 1.0% |
| New Mexico | 18 | 0.7% |
| Florida | 16 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 567 |
| Los Angeles-Long Beach-Glendale | 395 |
| Phoenix-Mesa-Chandler | 245 |
| Dallas-Plano-Irving | 206 |
| Houston-Pasadena-The Woodlands | 123 |
| Denver-Aurora-Centennial | 106 |
| Tulsa | 94 |
| Las Vegas-Henderson-North Las Vegas | 63 |
| Santa Maria-Santa Barbara | 44 |
| Anaheim-Santa Ana-Irvine | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 337KMNHEWWWR6B7Q7W10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 595270 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 414191 | 1997–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1714191 | 2011–2015 |
| Respondent ID (the HMDA filer code before 2018) | 9595270 | 2016–2017 |
Established 28 February 1911. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: MidFirst Bank's data.
MidFirst Bank's data
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