Bank of Oklahoma, NA Mortgage Lending & HMDA Data, 2009
In 2009, Bank of Oklahoma, NA of Tulsa, OK reported 18,859 mortgage applications totaling $2.5 billion, up 54% from 2008. The average application was for $130,397, and applicants reported an average income of $83,616. 67% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Tulsa, OK (8,787), Oklahoma City, OK (6,255) and Lawton, OK (853) (applications in parentheses).
| Mortgage Company & Address | Bank of Oklahoma, NA Po Box 2300 Tulsa, OK 74102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 18,859 |
| Total Mortgage Loan Application Amount | $2,459,166,000 |
| Average Mortgage Loan Application Amount | $130,397 |
| Highest Mortgage Loan Application Amount | $2,625,000 |
| Average Applicant Income | $83,616 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Oklahoma, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa, OK | 8,787 | $ 1,150,753,000 | $ 130,960 | $ 85,000 |
| Oklahoma City, OK | 6,255 | $ 830,661,000 | $ 132,799 | $ 84,000 |
| Lawton, OK | 853 | $ 120,860,000 | $ 141,688 | $ 68,000 |
| Dallas-Plano-Irving, TX | 22 | $ 4,632,000 | $ 210,545 | $ 120,000 |
| Houston-Sugar Land-Baytown, TX | 22 | $ 7,792,000 | $ 354,181 | $ 727,000 |
| Fort Worth-Arlington, TX | 19 | $ 3,682,000 | $ 193,789 | $ 81,000 |
| Fort Smith, AR-OK | 18 | $ 2,148,000 | $ 119,333 | $ 109,277 |
| Fayetteville-Springdale-Rogers, AR-MO | 17 | $ 3,345,000 | $ 196,764 | $ 140,000 |
| Kansas City, MO-KS | 16 | $ 2,324,000 | $ 145,250 | $ 123,875 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 1,628,000 | $ 116,285 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 4,174,000 | $ 298,142 | $ 179,000 |
| Albuquerque, NM | 11 | $ 2,000,000 | $ 181,818 | $ 114,000 |
| Denver-Aurora-Broomfield, CO | 8 | $ 1,728,000 | $ 216,000 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,366,000 | $ 195,142 | $ 100,857 |
| Wichita, KS | 7 | $ 1,394,000 | $ 199,142 | $ 89,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 841,000 | $ 140,166 | $ 67,000 |
| Baltimore-Towson, MD | 5 | $ 686,000 | $ 137,200 | $ 120,000 |
| Birmingham-Hoover, AL | 5 | $ 974,000 | $ 194,800 | $ 99,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 906,000 | $ 181,200 | $ 95,000 |
| Austin-Round Rock, TX | 4 | $ 905,000 | $ 226,250 | $ 170,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 694,000 | $ 173,500 | $ 171,000 |
| Joplin, MO | 4 | $ 495,000 | $ 123,750 | $ 62,000 |
| Santa Fe, NM | 4 | $ 2,732,000 | $ 683,000 | $ 285,000 |
| Topeka, KS | 4 | $ 229,000 | $ 57,250 | $ 79,000 |
| Colorado Springs, CO | 3 | $ 799,000 | $ 266,333 | $ 152,000 |
| Las Vegas-Paradise, NV | 3 | $ 619,000 | $ 206,333 | $ 396,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 488,000 | $ 162,666 | $ 106,000 |
| Springfield, MO | 3 | $ 222,000 | $ 74,000 | $ 104,000 |
| St. Louis, MO-IL | 3 | $ 580,000 | $ 193,333 | $ 33,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 240,000 | $ 120,000 | $ 285,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 216,000 | $ 108,000 | $ 91,000 |
| College Station-Bryan, TX | 2 | $ 426,000 | $ 213,000 | $ 406,000 |
| Dover, DE | 2 | $ 334,000 | $ 167,000 | $ 96,000 |
| El Paso, TX | 2 | $ 246,000 | $ 123,000 | $ 85,000 |
| Fort Collins-Loveland, CO | 2 | $ 1,894,000 | $ 947,000 | $ 291,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 504,000 | $ 252,000 | $ 141,000 |
| Huntsville, AL | 2 | $ 338,000 | $ 169,000 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,599,000 | $ 799,500 | $ 210,000 |
| Memphis, TN-MS-AR | 2 | $ 295,000 | $ 147,500 | $ 78,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 285,000 | $ 142,500 | $ 107,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 1,801,000 | $ 900,500 | $ 675,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 521,000 | $ 260,500 | $ 115,000 |
| Roanoke, VA | 2 | $ 168,000 | $ 84,000 | $ 83,000 |
| San Antonio, TX | 2 | $ 386,000 | $ 193,000 | $ 111,000 |
| St. Joseph, MO-KS | 2 | $ 255,000 | $ 127,500 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 345,000 | $ 172,500 | $ 282,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 237,000 | $ 237,000 | $ 72,000 |
| Auburn-Opelika, AL | 1 | $ 120,000 | $ 120,000 | $ 80,000 |
| Bethesda-Frederick-Rockville, MD | 1 | $ 152,000 | $ 152,000 | $ 72,000 |
| Boulder, CO | 1 | $ 126,000 | $ 126,000 | $ 164,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 126,000 | $ 126,000 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 78,000 | $ 78,000 | $ 107,000 |
| Dalton, GA | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Dayton, OH | 1 | $ 80,000 | $ 80,000 | $ 59,000 |
| Durham-Chapel Hill, NC | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Edison-New Brunswick, NJ | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Fayetteville, NC | 1 | $ 144,000 | $ 144,000 | $ 56,000 |
| Flagstaff, AZ | 1 | $ 417,000 | $ 417,000 | $ 60,000 |
| Florence-Muscle Shoals, AL | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Gadsden, AL | 1 | $ 144,000 | $ 144,000 | $ 94,000 |
| Greeley, CO | 1 | $ 144,000 | $ 144,000 | $ 76,000 |
| Green Bay, WI | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 196,000 | $ 196,000 | $ 119,000 |
| Hot Springs, AR | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Las Cruces, NM | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Lubbock, TX | 1 | $ 189,000 | $ 189,000 | $ 150,000 |
| Manhattan, KS | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| Mobile, AL | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Modesto, CA | 1 | $ 143,000 | $ 143,000 | $ 116,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 150,000 | $ 150,000 | $ 173,000 |
| Nassau-Suffolk, NY | 1 | $ 44,000 | $ 44,000 | $ 65,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Orlando-Kissimmee, FL | 1 | $ 235,000 | $ 235,000 | $ 146,000 |
| Pine Bluff, AR | 1 | $ 112,000 | $ 112,000 | $ 175,000 |
| Port St. Lucie, FL | 1 | $ 119,000 | $ 119,000 | $ 122,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 212,000 | $ 212,000 | $ 117,000 |
| Provo-Orem, UT | 1 | $ 300,000 | $ 300,000 | $ 155,000 |
| Pueblo, CO | 1 | $ 126,000 | $ 126,000 | $ 144,000 |
| Richmond, VA | 1 | $ 169,000 | $ 169,000 | $ 60,000 |
| Rockford, IL | 1 | $ 321,000 | $ 321,000 | $ 114,000 |
| Salinas, CA | 1 | $ 520,000 | $ 520,000 | $ 227,000 |
| Salt Lake City, UT | 1 | $ 400,000 | $ 400,000 | $ 405,000 |
| Sherman-Denison, TX | 1 | $ 123,000 | $ 123,000 | $ 96,000 |
| Spokane, WA | 1 | $ 236,000 | $ 236,000 | $ 86,000 |
| Stockton, CA | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Sumter, SC | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Toledo, OH | 1 | $ 43,000 | $ 43,000 | $ 31,000 |
| Tuscaloosa, AL | 1 | $ 108,000 | $ 108,000 | $ 40,000 |
| Wichita Falls, TX | 1 | $ 118,000 | $ 118,000 | $ 70,000 |
| Wilmington, DE-MD-NJ | 1 | $ 61,000 | $ 61,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Bank of Oklahoma, NA in 2009
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 | 9,999 | $1,422,507,000 | $142,000 | $1,725,000 | $90,000 | $9,999,000 |
| Home Purchase | 7,127 | $948,054,000 | $133,000 | $2,625,000 | $77,000 | $6,694,000 |
| Home Improvement | 1,733 | $88,605,000 | $51,000 | $1,750,000 | $74,000 | $1,320,000 |
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 | 14,999 | $1,984,059,000 | $132,000 | $2,625,000 | $87,000 | $9,999,000 |
| Not Provided | 1,333 | $178,548,000 | $133,000 | $2,545,000 | $85,000 | $1,038,000 |
| American Indian or Alaskan Native | 730 | $87,406,000 | $119,000 | $1,750,000 | $69,000 | $704,000 |
| Black or African American | 729 | $83,751,000 | $114,000 | $417,000 | $57,000 | $600,000 |
| Hispanic | 603 | $58,013,000 | $96,000 | $417,000 | $54,000 | $450,000 |
| Asian | 412 | $57,309,000 | $139,000 | $417,000 | $88,000 | $1,320,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $5,470,000 | $130,000 | $675,000 | $75,000 | $432,000 |
| Not applicable | 11 | $4,610,000 | $419,000 | $1,450,000 | $0 | $0 |
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) | 12,272 | $1,620,810,000 | $132,000 | $2,625,000 | $99,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 5,211 | $626,555,000 | $120,000 | $303,000 | $54,000 | $1,260,000 |
| VA-guaranteed (Veterans Administration) | 1,191 | $190,819,000 | $160,000 | $589,000 | $56,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 185 | $20,982,000 | $113,000 | $255,000 | $44,000 | $96,000 |
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 | 12,694 | $1,708,969,000 | $134,000 | $2,625,000 | $86,000 | $6,694,000 |
| Application Denied By Financial Institution | 2,607 | $241,867,000 | $92,000 | $2,545,000 | $76,000 | $9,999,000 |
| Application Withdrawn By Applicant | 1,959 | $298,215,000 | $152,000 | $1,725,000 | $88,000 | $1,763,000 |
| Preapproval Denied by Financial Institution | 668 | $74,344,000 | $111,000 | $750,000 | $51,000 | $983,000 |
| File Closed For Incompleteness | 612 | $95,949,000 | $156,000 | $1,750,000 | $94,000 | $1,633,000 |
| Application Approved But Not Accepted | 319 | $39,822,000 | $124,000 | $1,000,000 | $87,000 | $1,274,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1,677 | $141,443,000 | $84,000 | $1,500,000 | $65,000 | $1,320,000 |
| Debt-To-Income Ratio | 618 | $67,305,000 | $108,000 | $2,545,000 | $50,000 | $485,000 |
| Collateral | 434 | $43,983,000 | $101,000 | $1,560,000 | $113,000 | $9,999,000 |
| Other | 238 | $26,676,000 | $112,000 | $1,500,000 | $84,000 | $592,000 |
| Credit Application Incomplete | 146 | $21,395,000 | $146,000 | $700,000 | $76,000 | $360,000 |
| Unverifiable Information | 89 | $6,970,000 | $78,000 | $405,000 | $95,000 | $1,038,000 |
| Employment History | 44 | $4,653,000 | $105,000 | $327,000 | $40,000 | $143,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $2,189,000 | $109,000 | $373,000 | $50,000 | $134,000 |
| Mortgage Insurance Denied | 9 | $1,597,000 | $177,000 | $342,000 | $94,000 | $183,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Oklahoma, NA's 2009 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 Bank of Oklahoma, NA'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.
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