BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.21
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: HIGH · n=1,559 complaints over 14 years
Customer ratio
1 in 1,575
customers filed a federal complaint
Resolved with relief
19%
received monetary or non-monetary relief
Daily volume
0.4
complaints per day · 2011–2025 average
3.0× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 1.3× the sector median.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Mortgages
0.49/1k
1,196
Checking & savings
0.11/1k
272
Money transfers
0.01/1k
24
5 nearest rates in scored dataset
0.53/1k
0.54/1k
0.63/1k
0.66/1k
0.74/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
MIDFIRST BANK performs slightly below the industry benchmark.
A rate of 0.63 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 1,559 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.
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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.
Most common words in federal complaints about MIDFIRST BANK
midlandpaymentshomemodificationbecauselatefundsreportpaiddocuments
Extracted from 881 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customers0.63/1k
Total complaints (2011–2025)1,559
Year-on-year change+29%worsening
Timely response rate99.9%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.01%✓ healthy
Tier 1 capital ratio18.5%✓ adequate buffer
Loan loss reserve ratio0.69%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate9.6%
Denial rate — White applicants19.6%
Denial rate — Black applicants18.9%
Denial rate — Hispanic applicants9.6%
Racial disparity index0.97×✓ near parity
Based on 1,466 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)$35KFederal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
26%
24%
13%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›