BancFirst at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
50th10.2% deniedPricingmedian rate spread over APOR, weight 30%
13th0.62 ptsProcesswithdrawn + incomplete share, weight 15%
97th2.1%Closing coststotal loan costs ÷ loan amount, weight 10%
33rd2.74% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 4,755 | 3,736 | 9.5% | 9.7% | 7.63% | $585M |
| 2024 | 4,709 | 3,713 | 10.0% | 10.2% | 7.75% | $571M |
| 2025 | 4,838 | 3,819 | 10.0% | 10.2% | 7.38% | $624M |
What BancFirst lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 823 home-equity lines, 0 reverse mortgages, 338 manufactured homes, 1,312 investment properties.
Why BancFirst denies applications
Primary reason reported for each of the 482 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at BancFirst
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 702 | 416 | 26.3% |
| $50k – $100k | 1,449 | 1,080 | 12.0% |
| $100k – $150k | 814 | 656 | 7.2% |
| $150k – $250k | 625 | 499 | 7.2% |
| Over $250k | 326 | 287 | 3.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 208 | 164 | 9.3% |
| 25–34 | 674 | 525 | 8.7% |
| 35–44 | 819 | 627 | 9.6% |
| 45–54 | 827 | 626 | 12.0% |
| 55–64 | 795 | 590 | 15.6% |
| 65–74 | 543 | 407 | 12.4% |
| Over 74 | 238 | 158 | 17.9% |
Where BancFirst lends
13 states and 92 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
BancFirst denied 10.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of mid-size mortgage lenders.
The most common reason BancFirst gave in 2025 was "debt-to-income ratio", cited on 42.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans BancFirst originated in 2025 was 7.38%, and its median rate spread over the average prime offer rate was 0.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 44% of its applications were for home purchases, 24% for refinancing (including cash-out), and 32% for home improvement or other purposes. By loan type: 93% conventional, 5% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.