Purchase Originations
2,536
Ranked #181 nationally
Median Total Costs
$6,323
−5.3% vs national ($6,680)
↑ $459 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,703
Median Lender Credits
$1,200
Cost Rank (500+ vol.)
#311
among lenders with 500+ originations
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,886 | 6.625% | $5,464 | $1,788 |
| fha | 504 | 6.250% | $9,389 | $1,684 |
| va | 127 | 6.125% | $7,721 | $1,841 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 1,039 | 6.500% | $6,259 | #9 |
| Texas | 469 | 6.375% | $8,478 | #119 |
| New Mexico | 406 | 6.500% | $5,845 | #7 |
| Colorado | 300 | 6.500% | $5,533 | #53 |
| Kansas | 98 | 6.625% | $3,777 | #66 |
| Arizona | 72 | 6.500% | $6,867 | #121 |
| Missouri | 57 | 6.625% | $3,194 | #136 |
| Arkansas | 33 | 6.500% | $5,620 | — |
| Ohio | 9 | 6.375% | $6,446 | — |
| Florida | 6 | 6.812% | $6,973 | — |
| California | 5 | 6.875% | $4,814 | — |
| Iowa | 4 | 6.250% | $8,482 | — |
| North Carolina | 4 | 6.812% | $4,018 | — |
| Nevada | 4 | 6.250% | $4,717 | — |
| Virginia | 4 | 6.875% | $6,807 | — |
| Illinois | 3 | 7.000% | $4,359 | — |
| South Dakota | 3 | 6.250% | $5,513 | — |
| Alabama | 2 | 6.500% | $6,643 | — |
| Kentucky | 2 | 6.875% | $5,755 | — |
| Nebraska | 2 | 6.562% | $3,119 | — |
| Wisconsin | 2 | 7.312% | $2,917 | — |
| District of Columbia | 1 | 6.625% | $5,862 | — |
| Delaware | 1 | 6.125% | $5,159 | — |
| Idaho | 1 | 5.875% | $21,796 | — |
| Massachusetts | 1 | 6.875% | $5,704 | — |
| Minnesota | 1 | 6.625% | $5,775 | — |
| Mississippi | 1 | 6.875% | $7,800 | — |
| Montana | 1 | 5.875% | $6,556 | — |
| Pennsylvania | 1 | 7.000% | $5,284 | — |
| South Carolina | 1 | 6.625% | $3,856 | — |
| Tennessee | 1 | 7.125% | $4,505 | — |
| Utah | 1 | 6.500% | $3,013 | — |
| West Virginia | 1 | 6.125% | $5,437 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,570 | 6.750% | — | 50 | −$2,753 | |
| 2 | $3,692 | 6.750% | — | 34 | −$2,631 | |
| 3 | $4,815 | 6.500% | — | 52 | −$1,508 | |
| 4 | $5,114 | 6.625% | — | 32 | −$1,209 | |
| 5 | $5,244 | 6.375% | — | 38 | −$1,079 | |
| 6 | $5,380 | 6.500% | — | 47 | −$943 | |
| 7 | $5,635 | 6.500% | — | 249 | −$688 | |
| 8 | $6,164 | 6.500% | — | 73 | −$159 | |
| 9 | $6,220 | 6.487% | — | 114 | −$103 | |
| 10 | $6,251 | 6.375% | — | 38 | −$72 | |
| 11 | $6,737 | 6.500% | — | 519 | +$414 | |
| 12 | $6,772 | 6.500% | — | 61 | +$449 | |
| 13 | $6,860 | 6.375% | — | 58 | +$537 | |
| 14 | $7,006 | 6.500% | — | 38 | +$683 | |
| 15 | $7,488 | 6.375% | — | 58 | +$1,165 | |
| 16 | $7,956 | 6.625% | — | 44 | +$1,633 | |
| 17 | $8,031 | 6.125% | — | 73 | +$1,708 | |
| 18 | $8,532 | 6.438% | — | 72 | +$2,209 | |
| 19 | $8,637 | 6.500% | — | 33 | +$2,314 | |
| 20 | $9,692 | 6.375% | — | 40 | +$3,369 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | BOKF, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $6,323 | $7,127 | −$804 (−11.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.