Enid, OK Metro Area Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,663 mortgage applications in Enid, OK metro area totaling $239.3 million, down 11% from 2022. The average application was for $143,887, and applicants reported an average income of $89,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Gateway First Bank, with 154 applications, followed by Bokf NA and US Bank, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2003 |
| Total Number of Mortgage Applications | 1,663 |
| Total Mortgage Loan Application Amount | $239,285,000 |
| Average Mortgage Loan Application Amount | $143,887 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $3,931,000 |
Top Mortgage Lenders in Enid, OK Metro Area (2023)
Ranked by the number of mortgage applications each lender reported in Enid, OK metro area in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gateway First Bank Jenks, OK |
154 | $18,250,000 | $118,000 | $77,000 |
| 2 | Bokf NA Tulsa, OK |
123 | $9,655,000 | $78,000 | $77,000 |
| 3 | US Bank, N.A. Cincinnati, OH |
98 | $13,230,000 | $135,000 | $66,000 |
| 4 | Primelending Dallas, TX |
84 | $9,400,000 | $111,000 | $72,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
73 | $14,245,000 | $195,000 | $154,000 |
| 6 | Financial Concpepts Mortgage Edmond, OK |
68 | $13,510,000 | $198,000 | $85,000 |
| 7 | Tinker Federal Credit Union Oklahoma City, OK |
59 | $3,905,000 | $66,000 | $101,000 |
| 8 | Mortgage Research Center Columbia, MO |
58 | $11,480,000 | $197,000 | $89,000 |
| 9 | Security National Bank Enid, OK |
44 | $6,140,000 | $139,000 | $103,000 |
| 10 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
40 | $7,980,000 | $199,000 | $202,000 |
The tables below break down 2023 mortgage applications in Enid, OK metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Enid, OK in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,150 | $187,630,000 | $163,000 | $865,000 | $85,000 | $925,000 |
| Cash-out Refinancing | 146 | $21,160,000 | $144,000 | $355,000 | $81,000 | $185,000 |
| Home Improvement | 128 | $7,190,000 | $56,000 | $1,105,000 | $95,000 | $650,000 |
| Other Purpose | 127 | $7,695,000 | $60,000 | $275,000 | $125,000 | $3,931,000 |
| Refinancing | 106 | $15,330,000 | $144,000 | $755,000 | $89,000 | $427,000 |
| Not Applicable | 6 | $280,000 | $46,000 | $85,000 | $57,000 | $57,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,032 | $144,620,000 | $140,000 | $665,000 | $90,000 | $3,931,000 |
| Not applicable | 249 | $45,125,000 | $181,000 | $1,105,000 | $96,000 | $125,000 |
| Hispanic | 161 | $18,895,000 | $117,000 | $405,000 | $75,000 | $650,000 |
| Not Provided | 114 | $17,850,000 | $156,000 | $865,000 | $104,000 | $950,000 |
| American Indian or Alaskan Native | 55 | $6,005,000 | $109,000 | $425,000 | $93,000 | $838,000 |
| Black or African American | 30 | $3,700,000 | $123,000 | $305,000 | $80,000 | $170,000 |
| Asian | 15 | $2,095,000 | $139,000 | $425,000 | $79,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $760,000 | $190,000 | $395,000 | $44,000 | $70,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 957 | $109,095,000 | $113,000 | $1,105,000 | $96,000 | $3,931,000 |
| FHA-insured (Federal Housing Administration) | 359 | $52,655,000 | $146,000 | $455,000 | $66,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 340 | $76,990,000 | $226,000 | $555,000 | $94,000 | $294,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $545,000 | $77,000 | $95,000 | $65,000 | $130,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 913 | $136,115,000 | $149,000 | $865,000 | $89,000 | $925,000 |
| Loan Purchased By The Institution | 270 | $47,880,000 | $177,000 | $555,000 | $68,000 | $158,000 |
| Application Denied By Financial Institution | 232 | $21,480,000 | $92,000 | $475,000 | $100,000 | $3,931,000 |
| Application Withdrawn By Applicant | 149 | $22,445,000 | $150,000 | $435,000 | $86,000 | $410,000 |
| Application Approved But Not Accepted | 52 | $5,750,000 | $110,000 | $1,105,000 | $103,000 | $600,000 |
| File Closed For Incompleteness | 45 | $5,525,000 | $122,000 | $355,000 | $86,000 | $205,000 |
| Preapproval Approved but not Accepted | 2 | $90,000 | $45,000 | $45,000 | $67,000 | $69,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,313 | $202,305,000 | $154,000 | $865,000 | $86,000 | $925,000 |
| Debt-To-Income Ratio | 170 | $20,010,000 | $117,000 | $1,105,000 | $83,000 | $280,000 |
| Credit History | 77 | $7,045,000 | $91,000 | $475,000 | $78,000 | $300,000 |
| Collateral | 42 | $4,140,000 | $98,000 | $345,000 | $97,000 | $950,000 |
| Other | 23 | $1,545,000 | $67,000 | $335,000 | $299,000 | $3,931,000 |
| Credit Application Incomplete | 16 | $1,870,000 | $116,000 | $265,000 | $100,000 | $170,000 |
| Unverifiable Information | 13 | $1,115,000 | $85,000 | $245,000 | $93,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,220,000 | $152,000 | $255,000 | $80,000 | $173,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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