Bokf NA Mortgage Lending & HMDA Data, 2011
In 2011, Bokf NA of Tulsa, OK reported 28,373 mortgage applications totaling $4.3 billion. The average application was for $151,870, and applicants reported an average income of $92,960. 61% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Tulsa, OK (6,287), Oklahoma City, OK (5,477) and Albuquerque, NM (3,376) (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 | 28,373 |
| Total Mortgage Loan Application Amount | $4,309,020,000 |
| Average Mortgage Loan Application Amount | $151,870 |
| Highest Mortgage Loan Application Amount | $9,655,000 |
| Average Applicant Income | $92,960 |
| Highest Applicant Income | $7,627,000 |
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Disclosure Act (HMDA) records Bokf NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 6,287 | $ 783,415,000 | $ 124,608 | $ 84,000 |
| Oklahoma City, OK | 5,477 | $ 666,923,000 | $ 121,767 | $ 81,000 |
| Albuquerque, NM | 3,376 | $ 481,179,000 | $ 142,529 | $ 73,000 |
| Denver-Aurora-Broomfield, CO | 1,364 | $ 339,282,000 | $ 248,740 | $ 128,000 |
| Kansas City, MO-KS | 1,261 | $ 203,678,000 | $ 161,521 | $ 84,853 |
| Dallas-Plano-Irving, TX | 1,172 | $ 294,403,000 | $ 251,197 | $ 163,000 |
| Houston-Sugar Land-Baytown, TX | 1,039 | $ 191,490,000 | $ 184,302 | $ 131,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 887 | $ 99,342,000 | $ 111,997 | $ 64,963 |
| Phoenix-Mesa-Glendale, AZ | 746 | $ 170,008,000 | $ 227,892 | $ 140,000 |
| Fort Worth-Arlington, TX | 587 | $ 92,188,000 | $ 157,049 | $ 135,000 |
| Lawton, OK | 492 | $ 73,126,000 | $ 148,630 | $ 61,000 |
| Santa Fe, NM | 401 | $ 89,264,000 | $ 222,603 | $ 101,000 |
| Las Cruces, NM | 336 | $ 56,465,000 | $ 168,050 | $ 71,000 |
| Wichita, KS | 257 | $ 34,884,000 | $ 135,735 | $ 78,000 |
| Colorado Springs, CO | 238 | $ 57,802,000 | $ 242,865 | $ 80,000 |
| Tucson, AZ | 137 | $ 21,182,000 | $ 154,613 | $ 88,000 |
| El Paso, TX | 120 | $ 20,454,000 | $ 170,450 | $ 81,000 |
| Sherman-Denison, TX | 105 | $ 11,214,000 | $ 106,800 | $ 97,000 |
| Boulder, CO | 94 | $ 29,305,000 | $ 311,755 | $ 151,000 |
| Lubbock, TX | 60 | $ 7,765,000 | $ 129,416 | $ 39,000 |
| San Antonio-New Braunfels, TX | 50 | $ 10,036,000 | $ 200,720 | $ 128,000 |
| Austin-Round Rock-San Marcos, TX | 48 | $ 11,381,000 | $ 237,104 | $ 214,000 |
| Farmington, NM | 47 | $ 7,499,000 | $ 159,553 | $ 60,000 |
| Amarillo, TX | 41 | $ 5,343,000 | $ 130,317 | $ 23,000 |
| Fort Collins-Loveland, CO | 37 | $ 9,147,000 | $ 247,216 | $ 160,000 |
| Topeka, KS | 35 | $ 3,403,000 | $ 97,228 | $ 51,000 |
| Greeley, CO | 34 | $ 9,445,000 | $ 277,794 | $ 146,000 |
| Midland, TX | 32 | $ 5,466,000 | $ 170,812 | $ 157,000 |
| Little Rock-North Little Rock-Conway, AR | 30 | $ 4,069,000 | $ 135,633 | $ 59,000 |
| Fort Smith, AR-OK | 28 | $ 3,678,000 | $ 131,357 | $ 74,714 |
| Idaho Falls, ID | 23 | $ 3,437,000 | $ 149,434 | $ 64,000 |
| San Angelo, TX | 21 | $ 3,571,000 | $ 170,047 | $ 129,000 |
| Pueblo, CO | 20 | $ 2,919,000 | $ 145,950 | $ 93,000 |
| Flagstaff, AZ | 19 | $ 4,898,000 | $ 257,789 | $ 252,000 |
| Waco, TX | 18 | $ 3,153,000 | $ 175,166 | $ 86,000 |
| Abilene, TX | 15 | $ 2,424,000 | $ 161,600 | $ 88,000 |
| Killeen-Temple-Fort Hood, TX | 15 | $ 2,016,000 | $ 134,400 | $ 80,000 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 1,500,000 | $ 107,142 | $ 72,000 |
| St. Louis, MO-IL | 14 | $ 1,567,000 | $ 111,928 | $ 85,000 |
| College Station-Bryan, TX | 13 | $ 2,478,000 | $ 190,615 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 2,515,000 | $ 193,461 | $ 89,461 |
| Springfield, MO | 11 | $ 918,000 | $ 83,454 | $ 54,000 |
| Lawrence, KS | 10 | $ 1,361,000 | $ 136,100 | $ 68,000 |
| Corpus Christi, TX | 8 | $ 1,380,000 | $ 172,500 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,709,000 | $ 213,625 | $ 109,750 |
| Beaumont-Port Arthur, TX | 7 | $ 907,000 | $ 129,571 | $ 82,000 |
| Boise City-Nampa, ID | 7 | $ 933,000 | $ 133,285 | $ 42,000 |
| Prescott, AZ | 7 | $ 1,518,000 | $ 216,857 | $ 148,000 |
| Joplin, MO | 6 | $ 1,057,000 | $ 176,166 | $ 102,000 |
| Tyler, TX | 6 | $ 635,000 | $ 105,833 | $ 73,000 |
| Chicago-Joliet-Naperville, IL | 5 | $ 800,000 | $ 160,000 | $ 100,000 |
| Grand Junction, CO | 5 | $ 1,817,000 | $ 363,400 | $ 376,000 |
| Longview, TX | 5 | $ 411,000 | $ 82,200 | $ 50,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 3,097,000 | $ 619,400 | $ 1,023,000 |
| Richmond, VA | 5 | $ 958,000 | $ 191,600 | $ 90,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 5,080,000 | $ 1,016,000 | $ 863,000 |
| St. Joseph, MO-KS | 5 | $ 1,220,000 | $ 244,000 | $ 127,200 |
| Birmingham-Hoover, AL | 4 | $ 811,000 | $ 202,750 | $ 94,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 498,000 | $ 124,500 | $ 57,000 |
| Huntsville, AL | 4 | $ 1,126,000 | $ 281,500 | $ 114,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 4,393,000 | $ 1,098,250 | $ 1,378,000 |
| Manhattan, KS | 4 | $ 371,000 | $ 92,750 | $ 68,000 |
| Memphis, TN-MS-AR | 4 | $ 325,000 | $ 81,250 | $ 44,000 |
| Baltimore-Towson, MD | 3 | $ 395,000 | $ 131,666 | $ 132,000 |
| Edison-New Brunswick, NJ | 3 | $ 543,000 | $ 181,000 | $ 32,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 624,000 | $ 208,000 | $ 275,000 |
| Odessa, TX | 3 | $ 600,000 | $ 200,000 | $ 35,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 901,000 | $ 300,333 | $ 130,666 |
| Brownsville-Harlingen, TX | 2 | $ 392,000 | $ 196,000 | $ 305,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 258,000 | $ 129,000 | $ 99,500 |
| Columbus, GA-AL | 2 | $ 256,000 | $ 128,000 | $ 89,000 |
| Florence-Muscle Shoals, AL | 2 | $ 164,000 | $ 82,000 | $ 27,000 |
| Hot Springs, AR | 2 | $ 278,000 | $ 139,000 | $ 72,000 |
| Indianapolis-Carmel, IN | 2 | $ 128,000 | $ 64,000 | $ 43,000 |
| Jackson, MS | 2 | $ 209,000 | $ 104,500 | $ 37,000 |
| Jacksonville, FL | 2 | $ 144,000 | $ 72,000 | $ 96,000 |
| Laredo, TX | 2 | $ 305,000 | $ 152,500 | $ 92,000 |
| Lebanon, PA | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Mobile, AL | 2 | $ 249,000 | $ 124,500 | $ 69,000 |
| Naples-Marco Island, FL | 2 | $ 705,000 | $ 352,500 | $ 374,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 2,772,000 | $ 1,386,000 | $ 508,500 |
| Philadelphia, PA | 2 | $ 446,000 | $ 223,000 | $ 169,000 |
| Salt Lake City, UT | 2 | $ 275,000 | $ 137,500 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 2,106,000 | $ 1,053,000 | $ 567,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 148,000 | $ 74,000 | $ 48,000 |
| Akron, OH | 1 | $ 76,000 | $ 76,000 | $ 74,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 200,000 | $ 200,000 | $ 409,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 843,000 | $ 843,000 | $ 1,311,000 |
| Dayton, OH | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Des Moines-West Des Moines, IA | 1 | $ 128,000 | $ 128,000 | $ 94,000 |
| Durham-Chapel Hill, NC | 1 | $ 57,000 | $ 57,000 | $ 90,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,000 | $ 1,000 | $ 204,000 |
| Greensboro-High Point, NC | 1 | $ 47,000 | $ 47,000 | $ 79,000 |
| Honolulu, HI | 1 | $ 550,000 | $ 550,000 | $ 88,000 |
| Iowa City, IA | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Jonesboro, AR | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 82,000 | $ 82,000 | $ 12,000 |
| Las Vegas-Paradise, NV | 1 | $ 201,000 | $ 201,000 | $ 454,000 |
| Lincoln, NE | 1 | $ 220,000 | $ 220,000 | $ 159,000 |
| Lynchburg, VA | 1 | $ 58,000 | $ 58,000 | $ 96,000 |
| Mankato-North Mankato, MN | 1 | $ 117,000 | $ 117,000 | $ 116,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 5,000 | $ 5,000 | $ 73,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 309,000 | $ 309,000 | $ 454,000 |
| Missoula, MT | 1 | $ 645,000 | $ 645,000 | $ 900,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 59,000 | $ 59,000 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 620,000 | $ 620,000 | $ 136,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 128,000 | $ 128,000 | $ 51,000 |
| Pine Bluff, AR | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Pocatello, ID | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Rockford, IL | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Salinas, CA | 1 | $ 362,000 | $ 362,000 | $ 443,000 |
| Salisbury, MD | 1 | $ 197,000 | $ 197,000 | $ 158,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 276,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 261,000 | $ 261,000 | $ 72,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 660,000 | $ 660,000 | $ 179,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 545,000 | $ 545,000 | $ 210,000 |
| Shreveport-Bossier City, LA | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Sioux City, IA-NE-SD | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 128,000 | $ 128,000 | $ 34,000 |
| Springfield, OH | 1 | $ 69,000 | $ 69,000 | $ 36,000 |
| St. Cloud, MN | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Sumter, SC | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 50,000 | $ 50,000 | $ 300,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 136,000 | $ 136,000 | $ 100,000 |
| Tuscaloosa, AL | 1 | $ 140,000 | $ 140,000 | $ 110,000 |
| Victoria, TX | 1 | $ 22,000 | $ 22,000 | $ 40,000 |
| Warner Robins, GA | 1 | $ 130,000 | $ 130,000 | $ 116,000 |
| Wichita Falls, TX | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| Wilmington, DE-MD-NJ | 1 | $ 98,000 | $ 98,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Bokf NA in 2011
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 | 15,225 | $2,490,435,000 | $163,000 | $3,800,000 | $96,000 | $7,627,000 |
| Home Purchase | 10,549 | $1,676,815,000 | $158,000 | $9,655,000 | $93,000 | $5,602,000 |
| Home Improvement | 2,599 | $141,770,000 | $54,000 | $795,000 | $75,000 | $1,988,000 |
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 | 20,261 | $3,158,842,000 | $155,000 | $3,313,000 | $98,000 | $7,412,000 |
| Hispanic | 3,460 | $407,715,000 | $117,000 | $3,800,000 | $60,000 | $3,603,000 |
| Not Provided | 2,065 | $380,960,000 | $184,000 | $1,840,000 | $124,000 | $7,627,000 |
| Black or African American | 992 | $117,927,000 | $118,000 | $1,100,000 | $58,000 | $684,000 |
| Asian | 682 | $118,232,000 | $173,000 | $1,500,000 | $117,000 | $1,289,000 |
| American Indian or Alaskan Native | 681 | $78,697,000 | $115,000 | $606,000 | $72,000 | $1,544,000 |
| Not applicable | 161 | $38,083,000 | $236,000 | $9,655,000 | $5,000 | $809,000 |
| Native Hawaiian or Other Pacific Islander | 71 | $8,564,000 | $120,000 | $535,000 | $76,000 | $336,000 |
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) | 19,620 | $3,103,562,000 | $158,000 | $9,655,000 | $114,000 | $7,627,000 |
| FHA-insured (Federal Housing Administration) | 6,452 | $814,484,000 | $126,000 | $440,000 | $50,000 | $3,510,000 |
| VA-guaranteed (Veterans Administration) | 2,046 | $362,387,000 | $177,000 | $750,000 | $42,000 | $561,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 255 | $28,587,000 | $112,000 | $223,000 | $41,000 | $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 | 17,169 | $2,672,942,000 | $155,000 | $9,655,000 | $96,000 | $5,602,000 |
| Application Denied By Financial Institution | 6,663 | $832,248,000 | $124,000 | $2,000,000 | $81,000 | $7,412,000 |
| Application Withdrawn By Applicant | 2,011 | $359,715,000 | $178,000 | $2,684,000 | $107,000 | $7,627,000 |
| File Closed For Incompleteness | 1,607 | $307,873,000 | $191,000 | $2,000,000 | $111,000 | $1,749,000 |
| Application Approved But Not Accepted | 547 | $74,197,000 | $135,000 | $1,200,000 | $91,000 | $984,000 |
| Preapproval Denied by Financial Institution | 225 | $39,018,000 | $173,000 | $2,000,000 | $79,000 | $1,016,000 |
| Loan Purchased By The Institution | 151 | $23,027,000 | $152,000 | $417,000 | $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 | 2,565 | $237,767,000 | $92,000 | $2,000,000 | $72,000 | $3,510,000 |
| Debt-To-Income Ratio | 1,732 | $239,955,000 | $138,000 | $1,500,000 | $56,000 | $648,000 |
| Collateral | 1,312 | $192,184,000 | $146,000 | $1,866,000 | $98,000 | $1,440,000 |
| Other | 737 | $131,739,000 | $178,000 | $2,000,000 | $125,000 | $1,722,000 |
| Unverifiable Information | 321 | $33,663,000 | $104,000 | $650,000 | $115,000 | $7,412,000 |
| Employment History | 128 | $16,019,000 | $125,000 | $875,000 | $61,000 | $448,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 86 | $19,110,000 | $222,000 | $1,484,000 | $114,000 | $596,000 |
| Mortgage Insurance Denied | 4 | $765,000 | $191,000 | $371,000 | $105,000 | $146,000 |
| Credit Application Incomplete | 3 | $64,000 | $21,000 | $52,000 | $54,000 | $72,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bokf NA's 2011 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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