Bancfirst
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Bancfirst 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bancfirst 101 North Broadway Avenue Oklahoma City, OK 73102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 5,549 |
| Total Mortgage Loan Application Amount | $345,677,000 |
| Average Mortgage Loan Application Amount | $659,846 |
| Highest Mortgage Loan Application Amount | $8,400,000 |
| Average Applicant Income | $118,615 |
| Highest Applicant Income | $2,312,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Bancfirst. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bancfirst's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Bancfirst's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bancfirst serves its applicants.
Each category highlights the total number of mortgage applications processed by Bancfirst, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bancfirst's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 753 | $ 60,272,000 | $ 80,000 | $ 62,000 |
| Stephens County Oklahoma | 631 | $ 27,169,000 | $ 43,000 | $ 38,000 |
| Pottawatomie County Oklahoma | 508 | $ 27,101,000 | $ 53,000 | $ 48,000 |
| Cleveland County Oklahoma | 374 | $ 26,300,000 | $ 70,000 | $ 57,000 |
| Pittsburg County Oklahoma | 282 | $ 14,761,000 | $ 52,000 | $ 51,000 |
| Comanche County Oklahoma | 238 | $ 16,282,000 | $ 68,000 | $ 48,000 |
| Lincoln County Oklahoma | 231 | $ 10,958,000 | $ 47,000 | $ 45,000 |
| Tulsa County Oklahoma | 204 | $ 17,624,000 | $ 86,000 | $ 71,000 |
| Payne County Oklahoma | 190 | $ 21,940,000 | $ 115,000 | $ 60,000 |
| Cherokee County Oklahoma | 185 | $ 12,714,000 | $ 68,000 | $ 47,000 |
| Logan County Oklahoma | 173 | $ 7,835,000 | $ 45,000 | $ 43,000 |
| Seminole County Oklahoma | 146 | $ 5,779,000 | $ 39,000 | $ 45,000 |
| Carter County Oklahoma | 131 | $ 6,974,000 | $ 53,000 | $ 42,000 |
| Muskogee County Oklahoma | 96 | $ 6,408,000 | $ 66,000 | $ 68,000 |
| Kiowa County Oklahoma | 95 | $ 2,869,000 | $ 30,000 | $ 30,000 |
| Marshall County Oklahoma | 95 | $ 4,126,000 | $ 43,000 | $ 53,000 |
| Choctaw County Oklahoma | 87 | $ 3,248,000 | $ 37,000 | $ 37,000 |
| Kingfisher County Oklahoma | 73 | $ 3,111,000 | $ 42,000 | $ 51,000 |
| Grady County Oklahoma | 59 | $ 2,490,000 | $ 42,000 | $ 49,000 |
| Canadian County Oklahoma | 56 | $ 4,196,000 | $ 74,000 | $ 66,000 |
| Tillman County Oklahoma | 55 | $ 2,417,000 | $ 43,000 | $ 45,000 |
| Wagoner County Oklahoma | 49 | $ 3,805,000 | $ 77,000 | $ 80,000 |
| Garvin County Oklahoma | 48 | $ 1,779,000 | $ 37,000 | $ 30,000 |
| Okfuskee County Oklahoma | 46 | $ 1,576,000 | $ 34,000 | $ 37,000 |
| Johnston County Oklahoma | 43 | $ 1,242,000 | $ 28,000 | $ 39,000 |
| Love County Oklahoma | 39 | $ 1,418,000 | $ 36,000 | $ 50,000 |
| Creek County Oklahoma | 37 | $ 2,165,000 | $ 58,000 | $ 52,000 |
| McClain County Oklahoma | 37 | $ 2,547,000 | $ 68,000 | $ 57,000 |
| Murray County Oklahoma | 37 | $ 1,746,000 | $ 47,000 | $ 51,000 |
| Kay County Oklahoma | 34 | $ 1,341,000 | $ 39,000 | $ 42,000 |
| Custer County Oklahoma | 33 | $ 1,415,000 | $ 42,000 | $ 39,000 |
| McIntosh County Oklahoma | 21 | $ 1,000,000 | $ 47,000 | $ 53,000 |
| Caddo County Oklahoma | 17 | $ 412,000 | $ 24,000 | $ 39,000 |
| Pushmataha County Oklahoma | 16 | $ 421,000 | $ 26,000 | $ 32,000 |
| Osage County Oklahoma | 15 | $ 605,000 | $ 40,000 | $ 45,000 |
| Jefferson County Oklahoma | 14 | $ 448,000 | $ 32,000 | $ 49,000 |
| Noble County Oklahoma | 14 | $ 865,000 | $ 61,000 | $ 30,000 |
| Pontotoc County Oklahoma | 14 | $ 424,000 | $ 30,000 | $ 39,000 |
| Hughes County Oklahoma | 13 | $ 540,000 | $ 41,000 | $ 53,000 |
| Rogers County Oklahoma | 13 | $ 1,151,000 | $ 88,000 | $ 402,000 |
| McCurtain County Oklahoma | 11 | $ 1,185,000 | $ 107,000 | $ 44,000 |
| Adair County Oklahoma | 10 | $ 628,000 | $ 62,000 | $ 64,000 |
| Delaware County Oklahoma | 10 | $ 1,235,000 | $ 123,000 | $ 133,000 |
| Bryan County Oklahoma | 9 | $ 1,166,000 | $ 129,000 | $ 87,000 |
| Cotton County Oklahoma | 9 | $ 1,063,000 | $ 118,000 | $ 44,000 |
| Latimer County Oklahoma | 9 | $ 762,000 | $ 84,000 | $ 30,000 |
| Okmulgee County Oklahoma | 8 | $ 574,000 | $ 71,000 | $ 31,000 |
| Pawnee County Oklahoma | 8 | $ 355,000 | $ 44,000 | $ 35,000 |
| Greer County Oklahoma | 7 | $ 223,000 | $ 31,000 | $ 35,000 |
| Le Flore County Oklahoma | 5 | $ 242,000 | $ 48,000 | $ 35,000 |
| Garfield County Oklahoma | 4 | $ 135,000 | $ 33,000 | $ 20,000 |
| Haskell County Oklahoma | 4 | $ 1,062,000 | $ 265,000 | $ 57,000 |
| Sequoyah County Oklahoma | 4 | $ 153,000 | $ 38,000 | $ 52,000 |
| Washita County Oklahoma | 4 | $ 88,000 | $ 22,000 | $ 57,000 |
| Jackson County Oklahoma | 3 | $ 96,000 | $ 32,000 | $ 58,000 |
| Eagle County Colorado | 2 | $ 2,062,000 | $ 1,031,000 | $ 445,000 |
| Beckham County Oklahoma | 2 | $ 106,000 | $ 53,000 | $ 42,000 |
| Craig County Oklahoma | 2 | $ 182,000 | $ 91,000 | $ 120,000 |
| Major County Oklahoma | 2 | $ 76,000 | $ 38,000 | $ 33,000 |
| Mayes County Oklahoma | 2 | $ 175,000 | $ 87,000 | $ 65,000 |
| Dallas County Texas | 2 | $ 216,000 | $ 108,000 | $ 8,000 |
| Grayson County Texas | 2 | $ 427,000 | $ 213,000 | $ 17,000 |
| Los Angeles County California | 1 | $ 15,000 | $ 15,000 | $ 156,000 |
| Napa County California | 1 | $ 6,700,000 | $ 6,700,000 | $ 386,000 |
| San Juan County New Mexico | 1 | $ 181,000 | $ 181,000 | $ 99,000 |
| Atoka County Oklahoma | 1 | $ 103,000 | $ 103,000 | $ 69,000 |
| Blaine County Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 65,000 |
| Dewey County Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Texas County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Washington County Oklahoma | 1 | $ 21,000 | $ 21,000 | $ 77,000 |
| Woodward County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Davidson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Hunt County Texas | 1 | $ 20,000 | $ 20,000 | $ 97,000 |
| Johnson County Texas | 1 | $ 6,000 | $ 6,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bancfirst 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,312 | $187,649,000 | $1,434,600 | $6,700,000 | $119,800 | $2,312,000 |
| Refinancing | 1,701 | $125,706,000 | $334,750 | $8,400,000 | $159,250 | $1,700,000 |
| Home Improvement | 1,536 | $32,322,000 | $16,500 | $463,000 | $76,500 | $1,200,000 |
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 | 4,489 | $284,727,000 | $785,833 | $8,400,000 | $156,166 | $2,312,000 |
| American Indian or Alaskan Native | 346 | $17,449,000 | $43,333 | $486,000 | $64,333 | $434,000 |
| Black or African American | 181 | $8,268,000 | $73,666 | $334,000 | $66,000 | $311,000 |
| Hispanic | 169 | $6,349,000 | $54,000 | $203,000 | $42,000 | $595,000 |
| Not applicable | 169 | $18,003,000 | $208,500 | $3,120,000 | $2,500 | $185,000 |
| Not Provided | 133 | $7,353,000 | $63,000 | $365,000 | $38,000 | $234,000 |
| Asian | 53 | $3,052,000 | $63,000 | $339,000 | $52,500 | $414,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $476,000 | $52,000 | $144,000 | $53,000 | $79,000 |
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) | 4,986 | $297,604,000 | $702,142 | $8,400,000 | $148,714 | $2,312,000 |
| FHA-insured (Federal Housing Administration) | 381 | $30,444,000 | $77,000 | $197,000 | $41,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 126 | $13,441,000 | $107,500 | $285,000 | $52,500 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $4,188,000 | $71,000 | $197,000 | $36,500 | $93,000 |
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 | 4,261 | $259,176,000 | $807,166 | $8,400,000 | $167,166 | $2,312,000 |
| Application Denied By Financial Institution | 695 | $33,517,000 | $34,500 | $484,000 | $37,500 | $199,000 |
| Application Approved But Not Accepted | 280 | $29,091,000 | $71,500 | $1,514,000 | $67,000 | $1,700,000 |
| Preapproval Denied by Financial Institution | 182 | $15,707,000 | $86,000 | $334,000 | $42,000 | $160,000 |
| Application Withdrawn By Applicant | 126 | $7,389,000 | $45,000 | $706,000 | $47,000 | $360,000 |
| File Closed For Incompleteness | 5 | $797,000 | $153,500 | $350,000 | $17,000 | $78,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bancfirst's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bancfirst's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.