Bank Snb Mortgage Lending & HMDA Data, 2015
In 2015, Bank Snb of Stillwater, OK reported 983 mortgage applications totaling $233.2 million, up 54% from 2014. The average application was for $237,230, and applicants reported an average income of $145,214. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oklahoma City, OK (463), Tulsa, OK (100) and Wichita, KS (65) (applications in parentheses).
| Mortgage Company & Address | Bank Snb 608 S Main Stillwater, OK 74074 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 983 |
| Total Mortgage Loan Application Amount | $233,198,000 |
| Average Mortgage Loan Application Amount | $237,230 |
| Highest Mortgage Loan Application Amount | $11,092,000 |
| Average Applicant Income | $145,214 |
| Highest Applicant Income | $3,646,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank Snb filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma, Oklahoma | 364 | $ 74,686,000 | $ 205,181 | $ 140,000 |
| Payne, Oklahoma | 210 | $ 36,005,000 | $ 171,452 | $ 126,000 |
| Tulsa, Oklahoma | 90 | $ 21,558,000 | $ 239,533 | $ 153,000 |
| Sedgwick, Kansas | 55 | $ 13,975,000 | $ 254,090 | $ 165,000 |
| Cleveland, Oklahoma | 34 | $ 9,170,000 | $ 269,705 | $ 112,000 |
| Canadian, Oklahoma | 27 | $ 4,503,000 | $ 166,777 | $ 116,000 |
| Reno, Kansas | 20 | $ 2,335,000 | $ 116,750 | $ 92,000 |
| Logan, Oklahoma | 15 | $ 2,469,000 | $ 164,600 | $ 117,000 |
| Grady, Oklahoma | 13 | $ 1,543,000 | $ 118,692 | $ 66,000 |
| Tarrant, Texas | 11 | $ 5,773,000 | $ 524,818 | $ 73,000 |
| Butler, Kansas | 8 | $ 2,324,000 | $ 290,500 | $ 178,000 |
| Collin, Texas | 8 | $ 3,835,000 | $ 479,375 | $ 215,000 |
| Dallas, Texas | 8 | $ 3,556,000 | $ 444,500 | $ 155,000 |
| Arapahoe, Colorado | 7 | $ 1,281,000 | $ 183,000 | $ 64,000 |
| McClain, Oklahoma | 6 | $ 2,300,000 | $ 383,333 | $ 165,000 |
| Noble, Oklahoma | 5 | $ 491,000 | $ 98,200 | $ 114,000 |
| Travis, Texas | 5 | $ 1,800,000 | $ 360,000 | $ 129,000 |
| Douglas, Colorado | 4 | $ 2,373,000 | $ 593,250 | $ 323,000 |
| Lincoln, Oklahoma | 4 | $ 539,000 | $ 134,750 | $ 113,000 |
| Wagoner, Oklahoma | 4 | $ 1,511,000 | $ 377,750 | $ 145,000 |
| Harris, Texas | 4 | $ 752,000 | $ 188,000 | $ 139,000 |
| Randall, Texas | 4 | $ 632,000 | $ 158,000 | $ 95,000 |
| McIntosh, Oklahoma | 3 | $ 668,000 | $ 222,666 | $ 249,000 |
| Pawnee, Oklahoma | 3 | $ 558,000 | $ 186,000 | $ 90,000 |
| Brazoria, Texas | 3 | $ 1,202,000 | $ 400,666 | $ 330,000 |
| Adams, Colorado | 2 | $ 447,000 | $ 223,500 | $ 82,000 |
| Denver, Colorado | 2 | $ 1,163,000 | $ 581,500 | $ 213,000 |
| El Paso, Colorado | 2 | $ 473,000 | $ 236,500 | $ 308,000 |
| Larimer, Colorado | 2 | $ 259,000 | $ 129,500 | $ 279,000 |
| Mesa, Colorado | 2 | $ 318,000 | $ 159,000 | $ 32,000 |
| Sumner, Kansas | 2 | $ 256,000 | $ 128,000 | $ 201,000 |
| Carter, Oklahoma | 2 | $ 579,000 | $ 289,500 | $ 107,000 |
| Creek, Oklahoma | 2 | $ 283,000 | $ 141,500 | $ 131,000 |
| Garfield, Oklahoma | 2 | $ 131,000 | $ 65,500 | $ 110,000 |
| Garvin, Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 145,000 |
| Pottawatomie, Oklahoma | 2 | $ 349,000 | $ 174,500 | $ 61,000 |
| Bexar, Texas | 2 | $ 360,000 | $ 180,000 | $ 201,000 |
| Cameron, Texas | 2 | $ 861,000 | $ 430,500 | $ 170,000 |
| Gray, Texas | 2 | $ 344,000 | $ 172,000 | $ 80,000 |
| Hays, Texas | 2 | $ 1,672,000 | $ 836,000 | $ 575,000 |
| Parker, Texas | 2 | $ 443,000 | $ 221,500 | $ 27,000 |
| Yavapai, Arizona | 1 | $ 417,000 | $ 417,000 | $ 1,958,000 |
| Riverside, California | 1 | $ 1,470,000 | $ 1,470,000 | $ 3,646,000 |
| Boulder, Colorado | 1 | $ 385,000 | $ 385,000 | $ 190,000 |
| Park, Colorado | 1 | $ 240,000 | $ 240,000 | $ 150,000 |
| Summit, Colorado | 1 | $ 817,000 | $ 817,000 | $ 516,000 |
| Polk, Iowa | 1 | $ 11,092,000 | $ 11,092,000 | $ 0 |
| Johnson, Kansas | 1 | $ 150,000 | $ 150,000 | $ 242,000 |
| Pratt, Kansas | 1 | $ 80,000 | $ 80,000 | $ 90,000 |
| Clay, Missouri | 1 | $ 136,000 | $ 136,000 | $ 104,000 |
| Taos, New Mexico | 1 | $ 208,000 | $ 208,000 | $ 361,000 |
| New York, New York | 1 | $ 2,054,000 | $ 2,054,000 | $ 150,000 |
| Delaware, Oklahoma | 1 | $ 276,000 | $ 276,000 | $ 252,000 |
| Kay, Oklahoma | 1 | $ 106,000 | $ 106,000 | $ 109,000 |
| Kingfisher, Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 33,000 |
| Le Flore, Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 68,000 |
| Mayes, Oklahoma | 1 | $ 96,000 | $ 96,000 | $ 57,000 |
| McCurtain, Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 413,000 |
| Muskogee, Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 46,000 |
| Pittsburg, Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 318,000 |
| Rogers, Oklahoma | 1 | $ 1,033,000 | $ 1,033,000 | $ 501,000 |
| Sequoyah, Oklahoma | 1 | $ 56,000 | $ 56,000 | $ 132,000 |
| Texas, Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 153,000 |
| Washington, Oklahoma | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
| Woodward, Oklahoma | 1 | $ 171,000 | $ 171,000 | $ 213,000 |
| Bastrop, Texas | 1 | $ 123,000 | $ 123,000 | $ 54,000 |
| Denton, Texas | 1 | $ 45,000 | $ 45,000 | $ 180,000 |
| Gaines, Texas | 1 | $ 157,000 | $ 157,000 | $ 41,000 |
| Hale, Texas | 1 | $ 141,000 | $ 141,000 | $ 77,000 |
| Hopkins, Texas | 1 | $ 144,000 | $ 144,000 | $ 137,000 |
| Jefferson, Texas | 1 | $ 560,000 | $ 560,000 | $ 400,000 |
| McLennan, Texas | 1 | $ 6,881,000 | $ 6,881,000 | $ 0 |
| Nueces, Texas | 1 | $ 399,000 | $ 399,000 | $ 282,000 |
| Smith, Texas | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Wasatch, Utah | 1 | $ 460,000 | $ 460,000 | $ 826,000 |
| Monongalia, West Virginia | 1 | $ 249,000 | $ 249,000 | $ 668,000 |
Mortgage Loan Application Detail Totals for Bank Snb in 2015
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 | 617 | $135,501,000 | $219,000 | $6,630,000 | $138,000 | $3,646,000 |
| Refinancing | 286 | $81,438,000 | $284,000 | $11,092,000 | $160,000 | $2,397,000 |
| Home Improvement | 80 | $16,259,000 | $203,000 | $6,881,000 | $148,000 | $674,000 |
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 | 657 | $144,073,000 | $219,000 | $2,054,000 | $166,000 | $3,646,000 |
| Hispanic | 105 | $11,083,000 | $105,000 | $560,000 | $62,000 | $400,000 |
| Not Provided | 87 | $18,456,000 | $212,000 | $1,100,000 | $220,000 | $1,063,000 |
| Not applicable | 57 | $47,159,000 | $827,000 | $11,092,000 | $1,000 | $63,000 |
| Asian | 33 | $5,280,000 | $160,000 | $311,000 | $108,000 | $849,000 |
| American Indian or Alaskan Native | 31 | $5,468,000 | $176,000 | $417,000 | $120,000 | $924,000 |
| Black or African American | 10 | $1,202,000 | $120,000 | $233,000 | $78,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $477,000 | $159,000 | $272,000 | $30,000 | $91,000 |
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) | 870 | $216,221,000 | $248,000 | $11,092,000 | $155,000 | $3,646,000 |
| FHA-insured (Federal Housing Administration) | 80 | $10,957,000 | $136,000 | $358,000 | $69,000 | $668,000 |
| VA-guaranteed (Veterans Administration) | 32 | $5,877,000 | $183,000 | $366,000 | $72,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $143,000 | $143,000 | $143,000 | $39,000 | $39,000 |
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 | 903 | $215,551,000 | $238,000 | $11,092,000 | $146,000 | $3,646,000 |
| Application Denied By Financial Institution | 38 | $6,378,000 | $167,000 | $1,100,000 | $88,000 | $575,000 |
| Application Approved But Not Accepted | 31 | $6,098,000 | $196,000 | $836,000 | $152,000 | $1,063,000 |
| Application Withdrawn By Applicant | 9 | $4,833,000 | $537,000 | $1,540,000 | $266,000 | $501,000 |
| File Closed For Incompleteness | 1 | $264,000 | $264,000 | $264,000 | $80,000 | $80,000 |
| Preapproval Denied by Financial Institution | 1 | $74,000 | $74,000 | $74,000 | $22,000 | $22,000 |
| 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 | 21 | $3,285,000 | $156,000 | $836,000 | $96,000 | $575,000 |
| Debt-To-Income Ratio | 10 | $1,285,000 | $128,000 | $300,000 | $58,000 | $156,000 |
| Collateral | 3 | $330,000 | $110,000 | $188,000 | $111,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $294,000 | $147,000 | $152,000 | $49,000 | $51,000 |
| Other | 2 | $1,183,000 | $591,000 | $1,100,000 | $152,000 | $281,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Snb's 2015 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 Snb'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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