Kay County, OK Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 2,403 mortgage applications in Kay County, OK totaling $155.0 million, down 17% from 2003. The average application was for $64,000, and applicants reported an average income of $68,000. 37% of applications resulted in an originated loan and 27% were denied. The most active lender was Home National Bank, with 190 applications, followed by Bank of America, N.A. and Beneficial.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,403 |
| Total Mortgage Loan Application Amount | $154,951,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $1,594,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $8,700,000 |
Top Mortgage Lenders in Kay County, OK (2004)
Ranked by the number of mortgage applications each lender reported in Kay County, OK in 2004.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Home National Bank Arkansas City, KS |
190 | $9,224,000 | $48,000 | $44,000 |
| 2 | Bank of America, N.A. Calabasas, CA |
155 | $10,827,000 | $69,000 | $83,000 |
| 3 | Beneficial Elmhurst, IL |
150 | $8,405,000 | $56,000 | $44,000 |
| 4 | Ameriquest Mortgage Company Orange, CA |
104 | $8,702,000 | $83,000 | $82,000 |
| 5 | Commercial Federal Bank Omaha, NE |
100 | $5,490,000 | $54,000 | $33,000 |
| 6 | Washington Mutual Bank Albion, NY |
93 | $7,929,000 | $85,000 | $14,000 |
| 7 | Gmac Mortgage LLC Ft. Washington, PA |
92 | $4,913,000 | $53,000 | $261,000 |
| 8 | Nationstar Mortgage Coppell, TX |
85 | $5,045,000 | $59,000 | $43,000 |
| 9 | Countrywide Home Loans Westlake Village, CA |
70 | $5,091,000 | $72,000 | $51,000 |
| 10 | Homeowners Loan Corporation Atlanta, GA |
69 | $3,783,000 | $54,000 | $25,000 |
The tables below break down 2004 mortgage applications in Kay County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Kay County, OK in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,299 | $91,991,000 | $70,000 | $600,000 | $84,000 | $8,700,000 |
| Home Purchase | 840 | $54,414,000 | $64,000 | $1,594,000 | $46,000 | $633,000 |
| Home Improvement | 264 | $8,546,000 | $32,000 | $328,000 | $57,000 | $876,000 |
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 | 1,695 | $103,101,000 | $60,000 | $600,000 | $54,000 | $876,000 |
| Not Provided | 324 | $22,449,000 | $69,000 | $500,000 | $90,000 | $7,920,000 |
| Not applicable | 203 | $16,144,000 | $79,000 | $1,594,000 | $12,000 | $111,000 |
| Hispanic | 67 | $3,281,000 | $48,000 | $208,000 | $44,000 | $155,000 |
| American Indian or Alaskan Native | 60 | $3,900,000 | $65,000 | $328,000 | $50,000 | $275,000 |
| Black or African American | 29 | $1,790,000 | $61,000 | $121,000 | $54,000 | $409,000 |
| Asian | 19 | $3,493,000 | $183,000 | $600,000 | $672,000 | $8,700,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $793,000 | $132,000 | $500,000 | $75,000 | $360,000 |
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) | 2,193 | $140,201,000 | $63,000 | $600,000 | $72,000 | $8,700,000 |
| FHA-insured (Federal Housing Administration) | 157 | $11,096,000 | $70,000 | $1,594,000 | $34,000 | $864,000 |
| VA-guaranteed (Veterans Administration) | 41 | $2,867,000 | $69,000 | $196,000 | $16,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $787,000 | $65,000 | $123,000 | $38,000 | $60,000 |
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 | 897 | $58,829,000 | $65,000 | $1,594,000 | $78,000 | $7,920,000 |
| Application Denied By Financial Institution | 656 | $37,619,000 | $57,000 | $600,000 | $76,000 | $8,700,000 |
| Loan Purchased By The Institution | 324 | $21,932,000 | $67,000 | $247,000 | $27,000 | $169,000 |
| Application Withdrawn By Applicant | 295 | $20,930,000 | $70,000 | $500,000 | $61,000 | $864,000 |
| Application Approved But Not Accepted | 181 | $11,936,000 | $65,000 | $600,000 | $56,000 | $375,000 |
| File Closed For Incompleteness | 50 | $3,705,000 | $74,000 | $250,000 | $69,000 | $876,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 201 | $10,197,000 | $50,000 | $496,000 | $45,000 | $444,000 |
| Other | 114 | $7,431,000 | $65,000 | $500,000 | $259,000 | $8,700,000 |
| Collateral | 110 | $6,932,000 | $63,000 | $297,000 | $58,000 | $206,000 |
| Credit Application Incomplete | 55 | $3,089,000 | $56,000 | $350,000 | $39,000 | $120,000 |
| Debt-To-Income Ratio | 46 | $2,532,000 | $55,000 | $350,000 | $37,000 | $175,000 |
| Unverifiable Information | 11 | $834,000 | $75,000 | $127,000 | $61,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $541,000 | $67,000 | $175,000 | $48,000 | $91,000 |
| Employment History | 5 | $167,000 | $33,000 | $62,000 | $41,000 | $64,000 |
| 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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