Bokf NA Mortgage Lending & HMDA Data, 2025

In 2025, Bokf NA of Tulsa, OK reported 11,003 mortgage applications totaling $3.5 billion, down 2% from 2024. The average application was for $321,328, and applicants reported an average income of $173,356. 54% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Tulsa, OK (2,417), Oklahoma City, OK (1,254) and Albuquerque, NM (1,073) (applications in parentheses).

Mortgage Company & Address Bokf NA
One West 3rd, 5th Fl
Tulsa, OK 74172
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 11,003
Total Mortgage Loan Application Amount $3,535,575,000
Average Mortgage Loan Application Amount $321,328
Highest Mortgage Loan Application Amount $74,705,000
Average Applicant Income $173,356
Highest Applicant Income $7,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bokf NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bokf NA by Metropolitan Area in 2025

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 2,417 $ 443,225,000 $ 183,378 $ 124,000
Oklahoma City, OK 1,254 $ 184,490,000 $ 147,121 $ 135,000
Outside any metro area 1,156 $ 428,550,000 $ 370,717 $ 204,642
Albuquerque, NM 1,073 $ 304,675,000 $ 283,946 $ 149,000
Denver-Aurora-Lakewood, CO 861 $ 392,085,000 $ 455,383 $ 182,000
Dallas-Plano-Irving, TX 778 $ 470,310,000 $ 604,511 $ 275,000
Houston-The Woodlands-Sugar Land, TX 677 $ 271,125,000 $ 400,480 $ 204,000
Kansas City, MO-KS 412 $ 71,530,000 $ 173,616 $ 136,558
Fort Worth-Arlington, TX 408 $ 124,660,000 $ 305,539 $ 244,000
Phoenix-Mesa-Scottsdale, AZ 324 $ 115,920,000 $ 357,777 $ 221,000
Fayetteville-Springdale-Rogers, AR-MO 188 $ 33,010,000 $ 175,585 $ 114,000
Austin-Round Rock, TX 158 $ 66,680,000 $ 422,025 $ 229,000
San Antonio-New Braunfels, TX 142 $ 54,690,000 $ 385,140 $ 207,000
Enid, OK 110 $ 11,080,000 $ 100,727 $ 84,000
Santa Fe, NM 109 $ 33,975,000 $ 311,697 $ 178,000
Colorado Springs, CO 70 $ 39,760,000 $ 568,000 $ 197,000
Wichita, KS 67 $ 9,595,000 $ 143,208 $ 86,000
Greeley, CO 62 $ 18,240,000 $ 294,193 $ 163,000
Boulder, CO 50 $ 23,470,000 $ 469,400 $ 298,000
Lawton, OK 38 $ 4,300,000 $ 113,157 $ 92,000
Tucson, AZ 38 $ 9,820,000 $ 258,421 $ 212,000
Sherman-Denison, TX 36 $ 4,260,000 $ 118,333 $ 126,000
Killeen-Temple, TX 31 $ 8,615,000 $ 277,903 $ 218,000
Fort Collins, CO 29 $ 10,365,000 $ 357,413 $ 176,000
Brownsville-Harlingen, TX 26 $ 4,510,000 $ 173,461 $ 94,000
Waco, TX 25 $ 50,565,000 $ 2,022,600 $ 310,000
El Paso, TX 24 $ 3,480,000 $ 145,000 $ 119,000
Lubbock, TX 24 $ 4,130,000 $ 172,083 $ 146,000
Las Cruces, NM 21 $ 2,645,000 $ 125,952 $ 132,000
Topeka, KS 21 $ 2,775,000 $ 132,142 $ 91,000
Little Rock-North Little Rock-Conway, AR 16 $ 1,100,000 $ 68,750 $ 96,000
St. Louis, MO-IL 14 $ 6,770,000 $ 483,571 $ 234,571
Pueblo, CO 12 $ 1,990,000 $ 165,833 $ 102,000
Springfield, MO 12 $ 3,070,000 $ 255,833 $ 158,000
Corpus Christi, TX 11 $ 4,025,000 $ 365,909 $ 336,000
Flagstaff, AZ 11 $ 4,255,000 $ 386,818 $ 303,000
Midland, TX 8 $ 2,110,000 $ 263,750 $ 181,000
Naples-Immokalee-Marco Island, FL 8 $ 9,800,000 $ 1,225,000 $ 1,075,000
Prescott Valley-Prescott, AZ 8 $ 1,530,000 $ 191,250 $ 224,000
Amarillo, TX 7 $ 1,225,000 $ 175,000 $ 191,000
Fort Smith, AR-OK 7 $ 1,705,000 $ 243,571 $ 143,000
Grand Junction, CO 7 $ 3,265,000 $ 466,428 $ 257,000
Joplin, MO 7 $ 715,000 $ 102,142 $ 95,857
Las Vegas-Henderson-Paradise, NV 7 $ 4,445,000 $ 635,000 $ 602,000
Lawrence, KS 7 $ 785,000 $ 112,142 $ 139,000
Tyler, TX 7 $ 1,425,000 $ 203,571 $ 181,000
College Station-Bryan, TX 6 $ 1,900,000 $ 316,666 $ 357,000
Dayton-Springfield-Kettering, OH 6 $ 1,540,000 $ 256,666 $ 164,000
McAllen-Edinburg-Mission, TX 6 $ 650,000 $ 108,333 $ 97,000
St. Joseph, MO-KS 6 $ 630,000 $ 105,000 $ 108,833
Atlanta-Sandy Springs-Roswell, GA 5 $ 30,285,000 $ 6,057,000 $ 238,000
Beaumont-Port Arthur, TX 5 $ 415,000 $ 83,000 $ 147,000
Crestview-Fort Walton Beach-Destin, FL 5 $ 4,945,000 $ 989,000 $ 1,013,000
Minneapolis-St. Paul-Bloomington, MN-WI 5 $ 1,805,000 $ 361,000 $ 193,000
St. Petersburg-Clearwater-Largo, FL 5 $ 2,975,000 $ 595,000 $ 330,000
Anaheim-Santa Ana-Irvine, CA 4 $ 3,040,000 $ 760,000 $ 558,000
Asheville, NC 4 $ 1,960,000 $ 490,000 $ 444,000
Hot Springs, AR 4 $ 180,000 $ 45,000 $ 65,000
Laredo, TX 4 $ 520,000 $ 130,000 $ 121,000
Longview, TX 4 $ 840,000 $ 210,000 $ 139,000
Yuma, AZ 4 $ 230,000 $ 57,500 $ 136,000
Arlington-Alexandria-Reston, VA-WV 3 $ 1,055,000 $ 351,666 $ 174,000
Boston, MA 3 $ 2,355,000 $ 785,000 $ 2,283,000
Charlotte-Concord-Gastonia, NC-SC 3 $ 38,245,000 $ 12,748,333 $ 97,000
Chicago-Naperville, IL 3 $ 1,165,000 $ 388,333 $ 218,000
Cincinnati, OH-KY-IN 3 $ 1,575,000 $ 525,000 $ 135,000
Columbia, MO 3 $ 565,000 $ 188,333 $ 109,000
Los Angeles-Long Beach-Glendale, CA 3 $ 2,045,000 $ 681,666 $ 290,000
Monroe, LA 3 $ 445,000 $ 148,333 $ 111,000
Nashville-Davidson--Murfreesboro--Franklin, TN 3 $ 1,225,000 $ 408,333 $ 139,000
Odessa, TX 3 $ 495,000 $ 165,000 $ 160,000
Salt Lake City, UT 3 $ 1,725,000 $ 575,000 $ 303,000
San Diego-Carlsbad, CA 3 $ 7,735,000 $ 2,578,333 $ 301,000
Virginia Beach-Norfolk-Newport News, VA-NC 3 $ 1,115,000 $ 371,666 $ 119,000
Wichita Falls, TX 3 $ 225,000 $ 75,000 $ 75,000
Charleston, WV 2 $ 370,000 $ 185,000 $ 89,000
Cleveland, OH 2 $ 140,000 $ 70,000 $ 74,000
Columbus, OH 2 $ 820,000 $ 410,000 $ 106,000
Farmington, NM 2 $ 510,000 $ 255,000 $ 150,000
Greenville-Anderson-Mauldin, SC 2 $ 23,110,000 $ 11,555,000 $ 49,000
Hartford-West Hartford-East Hartford, CT 2 $ 400,000 $ 200,000 $ 54,000
Knoxville, TN 2 $ 420,000 $ 210,000 $ 139,000
Lake Havasu City-Kingman, AZ 2 $ 190,000 $ 95,000 $ 710,000
Louisville/Jefferson County, KY-IN 2 $ 1,010,000 $ 505,000 $ 217,000
New Orleans-Metairie, LA 2 $ 220,000 $ 110,000 $ 54,000
New York-Jersey City-White Plains, NY-NJ 2 $ 570,000 $ 285,000 $ 161,000
Newark, NJ-PA 2 $ 1,040,000 $ 520,000 $ 240,000
Omaha-Council Bluffs, NE-IA 2 $ 320,000 $ 160,000 $ 128,000
Orlando-Kissimmee-Sanford, FL 2 $ 460,000 $ 230,000 $ 132,000
Philadelphia, PA 2 $ 420,000 $ 210,000 $ 197,000
Pinehurst-Southern Pines, NC 2 $ 640,000 $ 320,000 $ 133,000
Portland-South Portland, ME 2 $ 450,000 $ 225,000 $ 177,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 810,000 $ 405,000 $ 96,500
Richmond, VA 2 $ 650,000 $ 325,000 $ 111,000
San Angelo, TX 2 $ 440,000 $ 220,000 $ 291,000
Shreveport-Bossier City, LA 2 $ 410,000 $ 205,000 $ 167,000
Sierra Vista-Douglas, AZ 2 $ 260,000 $ 130,000 $ 115,000
Wilmington, NC 2 $ 760,000 $ 380,000 $ 248,000
Abilene, TX 1 $ 85,000 $ 85,000 $ 58,000
Auburn-Opelika, AL 1 $ 155,000 $ 155,000 $ 61,000
Augusta-Richmond County, GA-SC 1 $ 295,000 $ 295,000 $ 294,000
Bakersfield, CA 1 $ 195,000 $ 195,000 $ 130,000
Baltimore-Columbia-Towson, MD 1 $ 535,000 $ 535,000 $ 486,000
Barnstable Town, MA 1 $ 125,000 $ 125,000 $ 203,000
Bellingham, WA 1 $ 395,000 $ 395,000 $ 114,000
Bend-Redmond, OR 1 $ 715,000 $ 715,000 $ 118,000
Boise City, ID 1 $ 17,005,000 $ 17,005,000 $ 0
Bridgeport-Stamford-Norwalk, CT 1 $ 355,000 $ 355,000 $ 118,000
Canton-Massillon, OH 1 $ 575,000 $ 575,000 $ 230,000
Cape Coral-Fort Myers, FL 1 $ 27,335,000 $ 27,335,000 $ 0
Cedar Rapids, IA 1 $ 375,000 $ 375,000 $ 192,000
Champaign-Urbana, IL 1 $ 95,000 $ 95,000 $ 193,000
Charleston-North Charleston, SC 1 $ 525,000 $ 525,000 $ 159,000
Chattanooga, TN-GA 1 $ 365,000 $ 365,000 $ 0
Cheyenne, WY 1 $ 335,000 $ 335,000 $ 124,000
Clarksville, TN-KY 1 $ 415,000 $ 415,000 $ 920,000
Coeur D'Alene, ID 1 $ 2,815,000 $ 2,815,000 $ 733,000
Columbia, SC 1 $ 125,000 $ 125,000 $ 225,000
Daphne-Fairhope-Foley, AL 1 $ 155,000 $ 155,000 $ 93,000
Davenport-Moline-Rock Island, IA-IL 1 $ 125,000 $ 125,000 $ 83,000
Eugene, OR 1 $ 475,000 $ 475,000 $ 138,000
Fayetteville, NC 1 $ 85,000 $ 85,000 $ 100,000
Fresno, CA 1 $ 95,000 $ 95,000 $ 89,000
Indianapolis-Carmel-Anderson, IN 1 $ 235,000 $ 235,000 $ 83,000
Kahului-Wailuku-Lahaina, HI 1 $ 805,000 $ 805,000 $ 96,000
Kingston, NY 1 $ 745,000 $ 745,000 $ 340,000
Lake County-Kenosha County, IL-WI 1 $ 465,000 $ 465,000 $ 210,000
Lake County-Porter County-Jasper County, IN 1 $ 455,000 $ 455,000 $ 252,000
Lakeland-Winter Haven, FL 1 $ 435,000 $ 435,000 $ 620,000
Manchester-Nashua, NH 1 $ 665,000 $ 665,000 $ 222,000
Marietta, GA 1 $ 255,000 $ 255,000 $ 73,000
Memphis, TN-MS-AR 1 $ 185,000 $ 185,000 $ 88,000
Milwaukee-Waukesha-West Allis, WI 1 $ 325,000 $ 325,000 $ 129,000
Montgomery County-Bucks County-Chester County, PA 1 $ 405,000 $ 405,000 $ 345,000
Montgomery, AL 1 $ 205,000 $ 205,000 $ 54,000
North Port-Sarasota-Bradenton, FL 1 $ 205,000 $ 205,000 $ 290,000
Oakland-Hayward-Berkeley, CA 1 $ 665,000 $ 665,000 $ 142,000
Palm Bay-Melbourne-Titusville, FL 1 $ 205,000 $ 205,000 $ 0
Pittsburgh, PA 1 $ 115,000 $ 115,000 $ 156,000
Port St. Lucie, FL 1 $ 305,000 $ 305,000 $ 214,000
Provo-Orem, UT 1 $ 38,005,000 $ 38,005,000 $ 0
Raleigh, NC 1 $ 305,000 $ 305,000 $ 106,000
Rapid City, SD 1 $ 725,000 $ 725,000 $ 268,000
Reno, NV 1 $ 685,000 $ 685,000 $ 330,000
Riverside-San Bernardino-Ontario, CA 1 $ 365,000 $ 365,000 $ 166,000
Rome, GA 1 $ 165,000 $ 165,000 $ 243,000
Salem, OR 1 $ 225,000 $ 225,000 $ 622,000
Salinas, CA 1 $ 155,000 $ 155,000 $ 745,000
San Francisco-Redwood City-South San Francisco, CA 1 $ 905,000 $ 905,000 $ 1,259,000
Savannah, GA 1 $ 33,705,000 $ 33,705,000 $ 0
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 75,000 $ 75,000 $ 30,000
Sheboygan, WI 1 $ 465,000 $ 465,000 $ 205,000
Springfield, OH 1 $ 395,000 $ 395,000 $ 111,000
Stockton-Lodi, CA 1 $ 145,000 $ 145,000 $ 275,000
Toledo, OH 1 $ 185,000 $ 185,000 $ 78,000
Vallejo-Fairfield, CA 1 $ 155,000 $ 155,000 $ 85,000
Victoria, TX 1 $ 55,000 $ 55,000 $ 25,000
Warren-Troy-Farmington Hills, MI 1 $ 175,000 $ 175,000 $ 135,000
Washington, DC-MD 1 $ 375,000 $ 375,000 $ 125,000
West Palm Beach-Boca Raton-Delray Beach, FL 1 $ 285,000 $ 285,000 $ 249,000
Wildwood-The Villages, FL 1 $ 195,000 $ 195,000 $ 93,000
Wilmington, DE-MD-NJ 1 $ 345,000 $ 345,000 $ 54,000

Mortgage Loan Application Detail Totals for Bokf NA in 2025

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 4,322 $2,439,680,000 $564,000 $74,705,000 $196,000 $5,439,000
Other Purpose 2,561 $307,465,000 $120,000 $3,005,000 $153,000 $7,200,000
Home Improvement 2,148 $196,580,000 $91,000 $2,155,000 $144,000 $2,341,000
Refinancing 1,328 $394,170,000 $296,000 $15,005,000 $189,000 $6,346,000
Cash-out Refinancing 644 $197,680,000 $306,000 $5,995,000 $168,000 $4,603,000
Not Applicable 0 $0 $0 $0 $0 $0

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 6,357 $1,699,025,000 $267,000 $3,955,000 $191,000 $6,346,000
Hispanic 2,048 $387,830,000 $189,000 $5,995,000 $122,000 $4,613,000
Not Provided 733 $229,555,000 $313,000 $3,505,000 $219,000 $2,942,000
American Indian or Alaskan Native 649 $112,115,000 $172,000 $2,195,000 $123,000 $876,000
Asian 628 $198,120,000 $315,000 $2,885,000 $188,000 $2,456,000
Black or African American 526 $95,850,000 $182,000 $1,785,000 $132,000 $7,200,000
Not applicable 49 $809,265,000 $16,515,000 $74,705,000 $0 $0
Native Hawaiian or Other Pacific Islander 13 $3,815,000 $293,000 $895,000 $118,000 $397,000

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) 9,961 $3,243,755,000 $325,000 $74,705,000 $181,000 $7,200,000
FHA-insured (Federal Housing Administration) 816 $215,830,000 $264,000 $825,000 $90,000 $445,000
VA-guaranteed (Veterans Administration) 199 $71,555,000 $359,000 $1,205,000 $125,000 $332,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $4,435,000 $164,000 $295,000 $70,000 $137,000

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 5,995 $2,530,095,000 $422,000 $74,705,000 $196,000 $6,346,000
Application Denied By Financial Institution 2,317 $331,805,000 $143,000 $5,995,000 $118,000 $7,200,000
Application Withdrawn By Applicant 2,154 $576,650,000 $267,000 $4,505,000 $172,000 $3,300,000
File Closed For Incompleteness 410 $61,900,000 $150,000 $1,955,000 $154,000 $1,306,000
Application Approved But Not Accepted 127 $35,125,000 $276,000 $2,645,000 $207,000 $2,063,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Not applicable 8,686 $3,203,770,000 $368,000 $74,705,000 $188,000 $6,346,000
Debt-To-Income Ratio 904 $155,180,000 $171,000 $2,405,000 $81,000 $612,000
Credit History 807 $70,955,000 $87,000 $1,905,000 $118,000 $7,200,000
Other 232 $30,940,000 $133,000 $1,505,000 $180,000 $1,871,000
Collateral 169 $29,135,000 $172,000 $2,335,000 $174,000 $2,418,000
Unverifiable Information 139 $21,715,000 $156,000 $985,000 $151,000 $742,000
Credit Application Incomplete 38 $18,690,000 $491,000 $5,995,000 $301,000 $2,149,000
Insufficient Cash (Downpayment, Closing Cost) 16 $3,280,000 $205,000 $515,000 $97,000 $338,000
Employment History 12 $1,910,000 $159,000 $355,000 $121,000 $445,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bokf NA's 2025 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 Bokf 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.
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