Bokf NA Mortgage Lending & HMDA Data, 2012
In 2012, Bokf NA of Tulsa, OK reported 40,977 mortgage applications totaling $6.4 billion, up 44% from 2011. The average application was for $157,026, and applicants reported an average income of $87,301. 59% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Tulsa, OK (7,724), Oklahoma City, OK (6,687) and Albuquerque, NM (5,026) (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 | 40,977 |
| Total Mortgage Loan Application Amount | $6,434,467,000 |
| Average Mortgage Loan Application Amount | $157,026 |
| Highest Mortgage Loan Application Amount | $5,595,000 |
| Average Applicant Income | $87,301 |
| Highest Applicant Income | $9,999,000 |
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Disclosure Act (HMDA) records Bokf NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 7,724 | $ 1,017,548,000 | $ 131,738 | $ 82,000 |
| Oklahoma City, OK | 6,687 | $ 871,300,000 | $ 130,297 | $ 79,000 |
| Albuquerque, NM | 5,026 | $ 725,092,000 | $ 144,268 | $ 66,000 |
| Dallas-Plano-Irving, TX | 2,236 | $ 488,953,000 | $ 218,673 | $ 149,000 |
| Denver-Aurora-Broomfield, CO | 2,142 | $ 513,203,000 | $ 239,590 | $ 116,000 |
| Kansas City, MO-KS | 2,083 | $ 325,196,000 | $ 156,119 | $ 76,588 |
| Houston-Sugar Land-Baytown, TX | 1,817 | $ 340,795,000 | $ 187,559 | $ 133,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1,302 | $ 149,641,000 | $ 114,931 | $ 57,451 |
| Fort Worth-Arlington, TX | 1,236 | $ 193,951,000 | $ 156,918 | $ 110,000 |
| Phoenix-Mesa-Glendale, AZ | 633 | $ 164,578,000 | $ 259,996 | $ 154,000 |
| Lawton, OK | 537 | $ 82,236,000 | $ 153,139 | $ 54,000 |
| Wichita, KS | 451 | $ 64,075,000 | $ 142,073 | $ 78,000 |
| Santa Fe, NM | 441 | $ 96,172,000 | $ 218,077 | $ 91,000 |
| Las Cruces, NM | 421 | $ 65,483,000 | $ 155,541 | $ 85,000 |
| Austin-Round Rock-San Marcos, TX | 416 | $ 78,646,000 | $ 189,052 | $ 120,000 |
| Springfield, MO | 415 | $ 59,591,000 | $ 143,592 | $ 18,000 |
| Colorado Springs, CO | 404 | $ 91,118,000 | $ 225,539 | $ 68,000 |
| San Antonio-New Braunfels, TX | 295 | $ 52,268,000 | $ 177,179 | $ 92,000 |
| Amarillo, TX | 279 | $ 37,034,000 | $ 132,738 | $ 7,000 |
| Tucson, AZ | 158 | $ 29,515,000 | $ 186,803 | $ 80,000 |
| El Paso, TX | 130 | $ 16,497,000 | $ 126,900 | $ 58,000 |
| Boulder, CO | 127 | $ 37,231,000 | $ 293,157 | $ 168,000 |
| Lubbock, TX | 122 | $ 17,310,000 | $ 141,885 | $ 28,000 |
| Sherman-Denison, TX | 98 | $ 12,989,000 | $ 132,540 | $ 96,000 |
| Fort Collins-Loveland, CO | 90 | $ 21,579,000 | $ 239,766 | $ 68,000 |
| Killeen-Temple-Fort Hood, TX | 78 | $ 11,623,000 | $ 149,012 | $ 106,000 |
| Farmington, NM | 69 | $ 10,706,000 | $ 155,159 | $ 56,000 |
| Greeley, CO | 69 | $ 13,865,000 | $ 200,942 | $ 61,000 |
| Waco, TX | 56 | $ 16,048,000 | $ 286,571 | $ 107,000 |
| Little Rock-North Little Rock-Conway, AR | 50 | $ 11,722,000 | $ 234,440 | $ 59,000 |
| Midland, TX | 47 | $ 8,083,000 | $ 171,978 | $ 43,000 |
| Fort Smith, AR-OK | 46 | $ 4,230,000 | $ 91,956 | $ 50,608 |
| San Angelo, TX | 46 | $ 7,147,000 | $ 155,369 | $ 94,000 |
| Idaho Falls, ID | 38 | $ 6,419,000 | $ 168,921 | $ 63,000 |
| Topeka, KS | 38 | $ 3,745,000 | $ 98,552 | $ 31,000 |
| Pueblo, CO | 35 | $ 4,601,000 | $ 131,457 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34 | $ 8,303,000 | $ 244,205 | $ 147,000 |
| McAllen-Edinburg-Mission, TX | 32 | $ 4,614,000 | $ 144,187 | $ 74,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 31 | $ 5,906,000 | $ 190,516 | $ 13,000 |
| Shreveport-Bossier City, LA | 31 | $ 7,155,000 | $ 230,806 | $ 121,000 |
| Beaumont-Port Arthur, TX | 27 | $ 4,767,000 | $ 176,555 | $ 124,000 |
| Lawrence, KS | 27 | $ 3,805,000 | $ 140,925 | $ 77,000 |
| St. Louis, MO-IL | 27 | $ 5,206,000 | $ 192,814 | $ 87,666 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 27 | $ 8,876,000 | $ 328,740 | $ 6,740 |
| Abilene, TX | 22 | $ 2,929,000 | $ 133,136 | $ 77,000 |
| College Station-Bryan, TX | 22 | $ 4,366,000 | $ 198,454 | $ 149,000 |
| Flagstaff, AZ | 22 | $ 4,948,000 | $ 224,909 | $ 132,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 5,526,000 | $ 263,142 | $ 67,761 |
| Tyler, TX | 18 | $ 2,938,000 | $ 163,222 | $ 116,000 |
| Odessa, TX | 17 | $ 2,299,000 | $ 135,235 | $ 34,000 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 2,767,000 | $ 184,466 | $ 105,000 |
| Corpus Christi, TX | 11 | $ 2,111,000 | $ 191,909 | $ 144,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 3,400,000 | $ 309,090 | $ 83,000 |
| Longview, TX | 10 | $ 1,117,000 | $ 111,700 | $ 80,000 |
| Prescott, AZ | 10 | $ 2,612,000 | $ 261,200 | $ 118,000 |
| Joplin, MO | 9 | $ 1,062,000 | $ 118,000 | $ 55,000 |
| Grand Junction, CO | 8 | $ 2,725,000 | $ 340,625 | $ 305,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 3,245,000 | $ 405,625 | $ 116,000 |
| Memphis, TN-MS-AR | 8 | $ 841,000 | $ 105,125 | $ 55,500 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,888,000 | $ 361,000 | $ 251,000 |
| Chicago-Joliet-Naperville, IL | 7 | $ 1,436,000 | $ 205,142 | $ 120,000 |
| Laredo, TX | 7 | $ 835,000 | $ 119,285 | $ 60,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 4,162,000 | $ 594,571 | $ 261,000 |
| Baltimore-Towson, MD | 6 | $ 2,220,000 | $ 370,000 | $ 254,000 |
| Brownsville-Harlingen, TX | 6 | $ 873,000 | $ 145,500 | $ 122,000 |
| Salt Lake City, UT | 6 | $ 2,395,000 | $ 399,166 | $ 300,000 |
| St. Joseph, MO-KS | 6 | $ 1,024,000 | $ 170,666 | $ 96,666 |
| Victoria, TX | 6 | $ 1,255,000 | $ 209,166 | $ 149,000 |
| Columbia, MO | 5 | $ 546,000 | $ 109,200 | $ 54,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 413,000 | $ 82,600 | $ 74,000 |
| Pine Bluff, AR | 5 | $ 771,000 | $ 154,200 | $ 77,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 2,060,000 | $ 412,000 | $ 144,000 |
| Edison-New Brunswick, NJ | 4 | $ 694,000 | $ 173,500 | $ 130,000 |
| Jonesboro, AR | 4 | $ 592,000 | $ 148,000 | $ 125,000 |
| Medford, OR | 4 | $ 1,470,000 | $ 367,500 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 558,000 | $ 139,500 | $ 72,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 998,000 | $ 249,500 | $ 59,000 |
| Spokane, WA | 4 | $ 836,000 | $ 209,000 | $ 72,000 |
| Anchorage, AK | 3 | $ 630,000 | $ 210,000 | $ 162,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 654,000 | $ 218,000 | $ 40,000 |
| Cheyenne, WY | 3 | $ 440,000 | $ 146,666 | $ 0 |
| Hot Springs, AR | 3 | $ 577,000 | $ 192,333 | $ 80,000 |
| Jefferson City, MO | 3 | $ 463,000 | $ 154,333 | $ 72,000 |
| Las Vegas-Paradise, NV | 3 | $ 386,000 | $ 128,666 | $ 146,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 648,000 | $ 216,000 | $ 108,000 |
| Raleigh-Cary, NC | 3 | $ 546,000 | $ 182,000 | $ 0 |
| Richmond, VA | 3 | $ 531,000 | $ 177,000 | $ 77,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 677,000 | $ 225,666 | $ 35,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 749,000 | $ 249,666 | $ 127,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 301,000 | $ 100,333 | $ 88,333 |
| Albany, GA | 2 | $ 177,000 | $ 88,500 | $ 78,000 |
| Birmingham-Hoover, AL | 2 | $ 369,000 | $ 184,500 | $ 36,000 |
| Boise City-Nampa, ID | 2 | $ 317,000 | $ 158,500 | $ 0 |
| Cape Girardeau-Jackson, MO-IL | 2 | $ 165,000 | $ 82,500 | $ 63,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 221,000 | $ 110,500 | $ 112,000 |
| Clarksville, TN-KY | 2 | $ 241,000 | $ 120,500 | $ 0 |
| Gulfport-Biloxi, MS | 2 | $ 223,000 | $ 111,500 | $ 0 |
| Indianapolis-Carmel, IN | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 396,000 | $ 198,000 | $ 172,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 290,000 | $ 145,000 | $ 36,000 |
| Manhattan, KS | 2 | $ 467,000 | $ 233,500 | $ 95,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 122,000 | $ 61,000 | $ 21,000 |
| Ogden-Clearfield, UT | 2 | $ 392,000 | $ 196,000 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 410,000 | $ 205,000 | $ 38,000 |
| Wichita Falls, TX | 2 | $ 167,000 | $ 83,500 | $ 35,000 |
| Akron, OH | 1 | $ 230,000 | $ 230,000 | $ 129,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Ames, IA | 1 | $ 109,000 | $ 109,000 | $ 47,000 |
| Bellingham, WA | 1 | $ 181,000 | $ 181,000 | $ 180,000 |
| Bend, OR | 1 | $ 193,000 | $ 193,000 | $ 91,000 |
| Camden, NJ | 1 | $ 229,000 | $ 229,000 | $ 76,000 |
| Casper, WY | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Columbus, OH | 1 | $ 21,000 | $ 21,000 | $ 49,000 |
| Des Moines-West Des Moines, IA | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Gary, IN | 1 | $ 149,000 | $ 149,000 | $ 96,000 |
| Greensboro-High Point, NC | 1 | $ 132,000 | $ 132,000 | $ 105,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 72,000 | $ 72,000 | $ 71,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 158,000 | $ 158,000 | $ 123,000 |
| Honolulu, HI | 1 | $ 455,000 | $ 455,000 | $ 121,000 |
| Huntsville, AL | 1 | $ 79,000 | $ 79,000 | $ 28,000 |
| Knoxville, TN | 1 | $ 153,000 | $ 153,000 | $ 69,000 |
| Longview, WA | 1 | $ 200,000 | $ 200,000 | $ 81,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Mobile, AL | 1 | $ 160,000 | $ 160,000 | $ 79,000 |
| Monroe, LA | 1 | $ 140,000 | $ 140,000 | $ 195,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 580,000 | $ 580,000 | $ 192,000 |
| Ocean City, NJ | 1 | $ 324,000 | $ 324,000 | $ 151,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Peoria, IL | 1 | $ 53,000 | $ 53,000 | $ 101,000 |
| Philadelphia, PA | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Pocatello, ID | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 268,000 | $ 268,000 | $ 102,000 |
| Rockford, IL | 1 | $ 82,000 | $ 82,000 | $ 81,000 |
| Salem, OR | 1 | $ 181,000 | $ 181,000 | $ 60,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 460,000 | $ 460,000 | $ 450,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 626,000 | $ 626,000 | $ 2,309,000 |
| Sioux Falls, SD | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Springfield, OH | 1 | $ 66,000 | $ 66,000 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 287,000 | $ 287,000 | $ 472,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 56,000 | $ 56,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Bokf NA in 2012
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 | 24,682 | $4,000,361,000 | $162,000 | $4,350,000 | $87,000 | $6,000,000 |
| Home Purchase | 13,485 | $2,247,818,000 | $166,000 | $5,595,000 | $90,000 | $9,999,000 |
| Home Improvement | 2,810 | $186,288,000 | $66,000 | $2,056,000 | $77,000 | $1,440,000 |
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 | 28,267 | $4,647,244,000 | $164,000 | $2,765,000 | $98,000 | $9,999,000 |
| Hispanic | 5,183 | $604,816,000 | $116,000 | $1,120,000 | $55,000 | $6,000,000 |
| Not applicable | 1,981 | $337,503,000 | $170,000 | $5,595,000 | $0 | $38,000 |
| Not Provided | 1,950 | $325,340,000 | $166,000 | $2,450,000 | $108,000 | $4,383,000 |
| Black or African American | 1,457 | $188,709,000 | $129,000 | $2,430,000 | $60,000 | $1,467,000 |
| Asian | 1,119 | $200,845,000 | $179,000 | $1,400,000 | $119,000 | $2,615,000 |
| American Indian or Alaskan Native | 919 | $113,991,000 | $124,000 | $563,000 | $67,000 | $1,168,000 |
| Native Hawaiian or Other Pacific Islander | 101 | $16,019,000 | $158,000 | $1,920,000 | $131,000 | $2,500,000 |
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) | 29,393 | $4,775,450,000 | $162,000 | $5,595,000 | $106,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 8,221 | $1,061,896,000 | $129,000 | $520,000 | $41,000 | $700,000 |
| VA-guaranteed (Veterans Administration) | 3,030 | $556,701,000 | $183,000 | $1,245,000 | $35,000 | $531,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 333 | $40,420,000 | $121,000 | $349,000 | $45,000 | $153,000 |
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 | 24,214 | $3,937,270,000 | $162,000 | $5,595,000 | $92,000 | $9,999,000 |
| Application Denied By Financial Institution | 9,041 | $1,178,603,000 | $130,000 | $2,000,000 | $82,000 | $6,000,000 |
| Application Withdrawn By Applicant | 3,115 | $551,890,000 | $177,000 | $1,827,000 | $104,000 | $2,500,000 |
| Loan Purchased By The Institution | 1,962 | $309,248,000 | $157,000 | $998,000 | $0 | $0 |
| File Closed For Incompleteness | 1,907 | $358,033,000 | $187,000 | $2,450,000 | $105,000 | $3,000,000 |
| Application Approved But Not Accepted | 552 | $67,084,000 | $121,000 | $1,000,000 | $92,000 | $969,000 |
| Preapproval Denied by Financial Institution | 186 | $32,339,000 | $173,000 | $1,245,000 | $73,000 | $575,000 |
| 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 | 3,340 | $323,674,000 | $96,000 | $1,500,000 | $73,000 | $6,000,000 |
| Debt-To-Income Ratio | 1,950 | $283,581,000 | $145,000 | $1,556,000 | $58,000 | $629,000 |
| Collateral | 1,822 | $254,433,000 | $139,000 | $2,000,000 | $98,000 | $1,682,000 |
| Other | 1,284 | $231,953,000 | $180,000 | $1,931,000 | $107,000 | $2,500,000 |
| Unverifiable Information | 496 | $58,887,000 | $118,000 | $1,914,000 | $104,000 | $4,671,000 |
| Employment History | 165 | $22,601,000 | $136,000 | $900,000 | $71,000 | $540,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 136 | $30,529,000 | $224,000 | $1,074,000 | $138,000 | $1,063,000 |
| Mortgage Insurance Denied | 13 | $2,829,000 | $217,000 | $369,000 | $103,000 | $352,000 |
| Credit Application Incomplete | 8 | $809,000 | $101,000 | $291,000 | $107,000 | $224,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bokf NA's 2012 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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