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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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BANK OF OKLAHOMA, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF OKLAHOMA, NA |
| Address | PO BOX 2300
TULSA, OK 74102 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 10,480 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,125,181,000 |
| Average Mortgage Loan Amount Applied For | $180,836 |
| Highest Mortgage Loan Amount Applied For | $5,850,000 |
| Average Applicant Income | $110,259 |
| Highest Applicant Income | $4,900,000 |
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| Home Improvement |
2,004 | $76,258,000 |
$38,000 | $3,500,000 |
$66,000 | $2,138,000 |
| Home Purchase |
9,698 | $1,171,638,000 |
$120,000 | $5,850,000 |
$68,000 | $4,322,000 |
| Refinancing |
2,282 | $278,729,000 |
$122,000 | $3,000,000 |
$78,000 | $4,900,000 |
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| American Indian or Alaskan Native |
561 | $48,137,000 |
$85,000 | $720,000 |
$59,000 | $2,138,000 |
| Asian |
291 | $35,739,000 |
$122,000 | $560,000 |
$84,000 | $1,000,000 |
| Black or African American |
760 | $72,627,000 |
$95,000 | $1,200,000 |
$50,000 | $596,000 |
| Hispanic |
1,323 | $151,187,000 |
$114,000 | $5,850,000 |
$52,000 | $2,359,000 |
| Native Hawaiin or Other Pacific Islander |
35 | $4,367,000 |
$124,000 | $640,000 |
$103,000 | $1,105,000 |
| Not applicable |
54 | $8,411,000 |
$155,000 | $1,384,000 |
$0 | $0 |
| Not Provided |
785 | $98,590,000 |
$125,000 | $3,500,000 |
$67,000 | $1,462,000 |
| White |
10,175 | $1,107,567,000 |
$108,000 | $4,000,000 |
$74,000 | $4,900,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
10,933 | $1,175,736,000 |
$107,000 | $5,850,000 |
$75,000 | $4,900,000 |
| FHA-insured (Federal Housing Administration) |
2,197 | $232,234,000 |
$105,000 | $283,000 |
$48,000 | $338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
53 | $6,492,000 |
$122,000 | $370,000 |
$43,000 | $102,000 |
| VA-guaranteed (Veterans Administration) |
801 | $112,163,000 |
$140,000 | $387,000 |
$60,000 | $242,000 |
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| Application Approved But Not Accepted |
321 | $26,680,000 |
$83,000 | $728,000 |
$81,000 | $1,010,000 |
| Application Denied By Financial Institution |
1,809 | $107,686,000 |
$59,000 | $1,500,000 |
$59,000 | $2,138,000 |
| Application Withdrawn By Applicant |
264 | $41,909,000 |
$158,000 | $1,480,000 |
$97,000 | $4,900,000 |
| File Closed For Incompleteness |
126 | $16,882,000 |
$133,000 | $395,000 |
$64,000 | $314,000 |
| Loan Originated |
7,960 | $932,024,000 |
$117,000 | $5,850,000 |
$80,000 | $4,322,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
763 | $97,740,000 |
$128,000 | $2,000,000 |
$62,000 | $2,278,000 |
| Preapproval Denied by Financial Institution |
2,741 | $303,704,000 |
$110,000 | $1,523,000 |
$45,000 | $1,000,000 |
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| Collateral |
209 | $15,176,000 |
$72,000 | $1,500,000 |
$70,000 | $578,000 |
| Credit Application Incomplete |
301 | $46,167,000 |
$153,000 | $1,350,000 |
$75,000 | $1,000,000 |
| Credit History |
2,447 | $200,907,000 |
$82,000 | $1,523,000 |
$49,000 | $2,138,000 |
| Debt-To-Income Ratio |
1,324 | $122,456,000 |
$92,000 | $1,000,000 |
$40,000 | $508,000 |
| Employment History |
61 | $6,046,000 |
$99,000 | $399,000 |
$51,000 | $336,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
13 | $808,000 |
$62,000 | $160,000 |
$61,000 | $140,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
121 | $12,486,000 |
$103,000 | $560,000 |
$74,000 | $639,000 |
| Unverifiable Information |
74 | $7,344,000 |
$99,000 | $536,000 |
$72,000 | $570,000 |
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Mortgage Loan App Totals for BANK OF OKLAHOMA, NA by:
Metropolitan Area And
County
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