Bokf NA Mortgage Lending & HMDA Data, 2024

In 2024, Bokf NA of Tulsa, OK reported 11,220 mortgage applications totaling $3.2 billion, up 2% from 2023. The average application was for $289,423, and applicants reported an average income of $164,044. 52% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Tulsa, OK (2,277), Oklahoma City, OK (1,302) and Albuquerque, NM (1,268) (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 11,220
Total Mortgage Loan Application Amount $3,247,330,000
Average Mortgage Loan Application Amount $289,423
Highest Mortgage Loan Application Amount $66,005,000
Average Applicant Income $164,044
Highest Applicant Income $9,642,000

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Disclosure Act (HMDA) records Bokf NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

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 2,277 $ 375,515,000 $ 164,916 $ 123,000
Oklahoma City, OK 1,302 $ 175,550,000 $ 134,831 $ 116,000
Outside any metro area 1,283 $ 426,855,000 $ 332,700 $ 208,947
Albuquerque, NM 1,268 $ 272,170,000 $ 214,645 $ 133,000
Houston-The Woodlands-Sugar Land, TX 807 $ 235,735,000 $ 292,112 $ 203,000
Dallas-Plano-Irving, TX 798 $ 251,440,000 $ 315,087 $ 244,000
Denver-Aurora-Lakewood, CO 625 $ 210,465,000 $ 336,744 $ 207,000
Fort Worth-Arlington, TX 412 $ 119,970,000 $ 291,189 $ 169,000
Kansas City, MO-KS 367 $ 73,455,000 $ 200,149 $ 122,523
Phoenix-Mesa-Scottsdale, AZ 320 $ 108,960,000 $ 340,500 $ 243,000
Fayetteville-Springdale-Rogers, AR-MO 251 $ 57,465,000 $ 228,944 $ 105,000
Austin-Round Rock, TX 159 $ 89,475,000 $ 562,735 $ 195,000
Santa Fe, NM 155 $ 52,795,000 $ 340,612 $ 166,000
Enid, OK 123 $ 9,725,000 $ 79,065 $ 88,000
San Antonio-New Braunfels, TX 104 $ 57,820,000 $ 555,961 $ 198,000
Wichita, KS 90 $ 12,890,000 $ 143,222 $ 76,000
Colorado Springs, CO 51 $ 13,285,000 $ 260,490 $ 156,000
Greeley, CO 51 $ 10,415,000 $ 204,215 $ 136,000
Sherman-Denison, TX 48 $ 5,280,000 $ 110,000 $ 120,000
Las Cruces, NM 44 $ 6,080,000 $ 138,181 $ 111,000
Killeen-Temple, TX 42 $ 12,200,000 $ 290,476 $ 142,000
Tucson, AZ 36 $ 15,190,000 $ 421,944 $ 203,000
Topeka, KS 34 $ 3,710,000 $ 109,117 $ 95,000
Lawton, OK 31 $ 2,985,000 $ 96,290 $ 98,000
Boulder, CO 26 $ 10,520,000 $ 404,615 $ 221,000
Fort Collins, CO 26 $ 6,940,000 $ 266,923 $ 181,000
El Paso, TX 25 $ 2,955,000 $ 118,200 $ 141,000
Lubbock, TX 20 $ 3,600,000 $ 180,000 $ 150,000
Waco, TX 20 $ 4,040,000 $ 202,000 $ 161,000
Fort Smith, AR-OK 16 $ 2,130,000 $ 133,125 $ 244,812
Springfield, MO 16 $ 1,160,000 $ 72,500 $ 105,000
Amarillo, TX 13 $ 1,405,000 $ 108,076 $ 110,000
St. Louis, MO-IL 13 $ 3,915,000 $ 301,153 $ 318,000
McAllen-Edinburg-Mission, TX 12 $ 1,140,000 $ 95,000 $ 106,000
Brownsville-Harlingen, TX 11 $ 1,015,000 $ 92,272 $ 133,000
Little Rock-North Little Rock-Conway, AR 10 $ 1,830,000 $ 183,000 $ 176,000
College Station-Bryan, TX 9 $ 2,355,000 $ 261,666 $ 168,000
Pueblo, CO 9 $ 2,185,000 $ 242,777 $ 158,000
Crestview-Fort Walton Beach-Destin, FL 8 $ 77,230,000 $ 9,653,750 $ 1,542,000
Grand Junction, CO 8 $ 2,500,000 $ 312,500 $ 188,000
Midland, TX 8 $ 1,720,000 $ 215,000 $ 462,000
Sierra Vista-Douglas, AZ 8 $ 1,160,000 $ 145,000 $ 173,000
Wichita Falls, TX 8 $ 1,700,000 $ 212,500 $ 207,000
Chicago-Naperville, IL 7 $ 58,315,000 $ 8,330,714 $ 223,000
Corpus Christi, TX 7 $ 1,705,000 $ 243,571 $ 660,000
Longview, TX 7 $ 765,000 $ 109,285 $ 126,000
San Angelo, TX 7 $ 475,000 $ 67,857 $ 89,000
Abilene, TX 6 $ 450,000 $ 75,000 $ 133,000
Joplin, MO 6 $ 1,000,000 $ 166,666 $ 104,000
Yuma, AZ 6 $ 590,000 $ 98,333 $ 119,000
Farmington, NM 5 $ 665,000 $ 133,000 $ 105,000
Flagstaff, AZ 5 $ 1,885,000 $ 377,000 $ 245,000
Orlando-Kissimmee-Sanford, FL 5 $ 3,455,000 $ 691,000 $ 1,286,000
Salt Lake City, UT 5 $ 48,885,000 $ 9,777,000 $ 909,000
Tampa, FL 5 $ 2,285,000 $ 457,000 $ 279,000
Tyler, TX 5 $ 515,000 $ 103,000 $ 107,000
Casper, WY 4 $ 1,270,000 $ 317,500 $ 150,000
Cheyenne, WY 4 $ 1,050,000 $ 262,500 $ 74,000
Deltona-Daytona Beach-Ormond Beach, FL 4 $ 34,910,000 $ 8,727,500 $ 0
Lawrence, KS 4 $ 34,800,000 $ 8,700,000 $ 423,000
Los Angeles-Long Beach-Glendale, CA 4 $ 790,000 $ 197,500 $ 77,000
Odessa, TX 4 $ 110,000 $ 27,500 $ 107,000
Portland-Vancouver-Hillsboro, OR-WA 4 $ 1,470,000 $ 367,500 $ 385,000
Prescott Valley-Prescott, AZ 4 $ 400,000 $ 100,000 $ 175,000
Raleigh, NC 4 $ 2,200,000 $ 550,000 $ 263,000
Wilmington, NC 4 $ 1,050,000 $ 262,500 $ 48,000
Atlanta-Sandy Springs-Roswell, GA 3 $ 2,115,000 $ 705,000 $ 318,000
Baltimore-Columbia-Towson, MD 3 $ 1,205,000 $ 401,666 $ 135,000
Beaumont-Port Arthur, TX 3 $ 215,000 $ 71,666 $ 62,000
Laredo, TX 3 $ 505,000 $ 168,333 $ 103,000
Las Vegas-Henderson-Paradise, NV 3 $ 1,395,000 $ 465,000 $ 168,000
Minneapolis-St. Paul-Bloomington, MN-WI 3 $ 1,055,000 $ 351,666 $ 164,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 3 $ 995,000 $ 331,666 $ 153,000
North Port-Sarasota-Bradenton, FL 3 $ 1,855,000 $ 618,333 $ 205,000
Reno, NV 3 $ 1,655,000 $ 551,666 $ 161,000
Spokane-Spokane Valley, WA 3 $ 26,385,000 $ 8,795,000 $ 105,000
St. Petersburg-Clearwater-Largo, FL 3 $ 1,335,000 $ 445,000 $ 171,000
Anchorage, AK 2 $ 450,000 $ 225,000 $ 195,000
Bakersfield, CA 2 $ 860,000 $ 430,000 $ 281,000
Billings, MT 2 $ 2,000,000 $ 1,000,000 $ 416,000
Bridgeport-Stamford-Norwalk, CT 2 $ 2,350,000 $ 1,175,000 $ 755,000
Charleston-North Charleston, SC 2 $ 66,330,000 $ 33,165,000 $ 100,000
Charlotte-Concord-Gastonia, NC-SC 2 $ 980,000 $ 490,000 $ 191,000
Chattanooga, TN-GA 2 $ 480,000 $ 240,000 $ 431,000
Clarksville, TN-KY 2 $ 420,000 $ 210,000 $ 99,000
Everett, WA 2 $ 40,890,000 $ 20,445,000 $ 619,000
Grand Island, NE 2 $ 310,000 $ 155,000 $ 153,000
Hot Springs, AR 2 $ 50,000 $ 25,000 $ 94,000
Jacksonville, FL 2 $ 1,060,000 $ 530,000 $ 206,000
Kingsport-Bristol-Bristol, TN-VA 2 $ 340,000 $ 170,000 $ 78,000
Knoxville, TN 2 $ 1,560,000 $ 780,000 $ 182,000
Lakeland-Winter Haven, FL 2 $ 500,000 $ 250,000 $ 116,000
Lexington-Fayette, KY 2 $ 530,000 $ 265,000 $ 88,000
Lincoln, NE 2 $ 460,000 $ 230,000 $ 81,000
Marietta, GA 2 $ 540,000 $ 270,000 $ 73,000
Memphis, TN-MS-AR 2 $ 310,000 $ 155,000 $ 80,000
Morristown, TN 2 $ 330,000 $ 165,000 $ 242,000
Naples-Immokalee-Marco Island, FL 2 $ 730,000 $ 365,000 $ 247,000
Nashville-Davidson--Murfreesboro--Franklin, TN 2 $ 960,000 $ 480,000 $ 264,000
Omaha-Council Bluffs, NE-IA 2 $ 500,000 $ 250,000 $ 110,000
Palm Bay-Melbourne-Titusville, FL 2 $ 360,000 $ 180,000 $ 316,000
Salem, OR 2 $ 870,000 $ 435,000 $ 111,000
San Diego-Carlsbad, CA 2 $ 2,110,000 $ 1,055,000 $ 286,000
Santa Maria-Santa Barbara, CA 2 $ 3,970,000 $ 1,985,000 $ 1,035,000
Seattle-Bellevue-Everett, WA 2 $ 1,630,000 $ 815,000 $ 366,000
St. Joseph, MO-KS 2 $ 240,000 $ 120,000 $ 179,000
Urban Honolulu, HI 2 $ 710,000 $ 355,000 $ 249,000
Virginia Beach-Norfolk-Newport News, VA-NC 2 $ 910,000 $ 455,000 $ 172,000
Warren-Troy-Farmington Hills, MI 2 $ 23,010,000 $ 11,505,000 $ 0
Washington, DC-MD 2 $ 980,000 $ 490,000 $ 190,500
West Palm Beach-Boca Raton-Delray Beach, FL 2 $ 2,150,000 $ 1,075,000 $ 360,000
Wildwood-The Villages, FL 2 $ 480,000 $ 240,000 $ 115,000
Albany, OR 1 $ 405,000 $ 405,000 $ 129,000
Anaheim-Santa Ana-Irvine, CA 1 $ 1,105,000 $ 1,105,000 $ 526,000
Appleton, WI 1 $ 505,000 $ 505,000 $ 190,000
Arlington-Alexandria-Reston, VA-WV 1 $ 355,000 $ 355,000 $ 128,000
Asheville, NC 1 $ 1,475,000 $ 1,475,000 $ 775,000
Baton Rouge, LA 1 $ 365,000 $ 365,000 $ 86,000
Bend-Redmond, OR 1 $ 415,000 $ 415,000 $ 123,000
Boise City, ID 1 $ 415,000 $ 415,000 $ 170,000
Bozeman, MT 1 $ 575,000 $ 575,000 $ 188,000
Cedar Rapids, IA 1 $ 185,000 $ 185,000 $ 102,000
Champaign-Urbana, IL 1 $ 255,000 $ 255,000 $ 125,000
Cleveland, OH 1 $ 45,000 $ 45,000 $ 77,000
Columbus, OH 1 $ 645,000 $ 645,000 $ 210,000
Corvallis, OR 1 $ 455,000 $ 455,000 $ 131,000
Daphne-Fairhope-Foley, AL 1 $ 955,000 $ 955,000 $ 600,000
Dayton-Springfield-Kettering, OH 1 $ 28,855,000 $ 28,855,000 $ 0
Decatur, AL 1 $ 305,000 $ 305,000 $ 116,000
Des Moines-West Des Moines, IA 1 $ 545,000 $ 545,000 $ 147,000
Elgin, IL 1 $ 295,000 $ 295,000 $ 167,000
Eugene, OR 1 $ 315,000 $ 315,000 $ 63,000
Fairbanks, AK 1 $ 315,000 $ 315,000 $ 69,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 1 $ 605,000 $ 605,000 $ 175,000
Greenville-Anderson-Mauldin, SC 1 $ 115,000 $ 115,000 $ 267,000
Hattiesburg, MS 1 $ 605,000 $ 605,000 $ 428,000
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 325,000 $ 325,000 $ 130,000
Idaho Falls, ID 1 $ 135,000 $ 135,000 $ 28,000
Indianapolis-Carmel-Anderson, IN 1 $ 295,000 $ 295,000 $ 107,000
Iowa City, IA 1 $ 195,000 $ 195,000 $ 96,000
Ithaca, NY 1 $ 155,000 $ 155,000 $ 146,000
Kahului-Wailuku-Lahaina, HI 1 $ 765,000 $ 765,000 $ 207,000
Kenosha, WI 1 $ 33,905,000 $ 33,905,000 $ 0
Lake Havasu City-Kingman, AZ 1 $ 185,000 $ 185,000 $ 59,000
Louisville/Jefferson County, KY-IN 1 $ 395,000 $ 395,000 $ 328,000
Lynchburg, VA 1 $ 625,000 $ 625,000 $ 203,000
Manchester-Nashua, NH 1 $ 675,000 $ 675,000 $ 215,000
Manhattan, KS 1 $ 225,000 $ 225,000 $ 70,000
Mayagnez, PR 1 $ 415,000 $ 415,000 $ 211,000
Miami-Miami Beach-Kendall, FL 1 $ 1,465,000 $ 1,465,000 $ 644,000
Milwaukee-Waukesha-West Allis, WI 1 $ 435,000 $ 435,000 $ 0
Modesto, CA 1 $ 455,000 $ 455,000 $ 100,000
Monroe, LA 1 $ 35,000 $ 35,000 $ 119,000
Montgomery County-Bucks County-Chester County, PA 1 $ 225,000 $ 225,000 $ 74,000
Nassau County-Suffolk County, NY 1 $ 605,000 $ 605,000 $ 150,000
Newark, NJ-PA 1 $ 585,000 $ 585,000 $ 244,000
Oakland-Hayward-Berkeley, CA 1 $ 735,000 $ 735,000 $ 197,000
Ocala, FL 1 $ 175,000 $ 175,000 $ 30,000
Pensacola-Ferry Pass-Brent, FL 1 $ 405,000 $ 405,000 $ 285,000
Pittsburgh, PA 1 $ 625,000 $ 625,000 $ 395,000
Port St. Lucie, FL 1 $ 295,000 $ 295,000 $ 466,000
Portland-South Portland, ME 1 $ 155,000 $ 155,000 $ 143,000
Providence-Warwick, RI-MA 1 $ 515,000 $ 515,000 $ 155,000
Provo-Orem, UT 1 $ 135,000 $ 135,000 $ 561,000
Riverside-San Bernardino-Ontario, CA 1 $ 495,000 $ 495,000 $ 272,000
Rochester, NY 1 $ 205,000 $ 205,000 $ 61,000
South Bend-Mishawaka, IN-MI 1 $ 105,000 $ 105,000 $ 195,000
St. George, UT 1 $ 34,005,000 $ 34,005,000 $ 0
Twin Falls, ID 1 $ 225,000 $ 225,000 $ 66,000

Mortgage Loan Application Detail Totals for Bokf NA in 2024

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 4,426 $2,303,280,000 $520,000 $66,005,000 $179,000 $7,458,000
Other Purpose 2,834 $286,570,000 $101,000 $2,945,000 $146,000 $9,642,000
Home Improvement 2,483 $203,775,000 $82,000 $2,005,000 $141,000 $8,543,000
Refinancing 964 $300,040,000 $311,000 $20,505,000 $211,000 $6,329,000
Cash-out Refinancing 513 $153,665,000 $299,000 $3,115,000 $158,000 $6,971,000
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 6,349 $1,478,015,000 $232,000 $3,575,000 $180,000 $9,642,000
Hispanic 2,285 $390,145,000 $170,000 $2,945,000 $118,000 $3,631,000
Not Provided 735 $185,085,000 $251,000 $2,695,000 $217,000 $6,329,000
American Indian or Alaskan Native 623 $104,405,000 $167,000 $925,000 $110,000 $490,000
Asian 593 $190,665,000 $321,000 $5,955,000 $197,000 $7,458,000
Black or African American 566 $89,480,000 $158,000 $3,005,000 $123,000 $1,896,000
Not applicable 55 $806,965,000 $14,672,000 $66,005,000 $0 $0
Native Hawaiian or Other Pacific Islander 13 $2,555,000 $196,000 $445,000 $111,000 $194,000

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) 10,342 $3,009,700,000 $291,000 $66,005,000 $170,000 $9,642,000
FHA-insured (Federal Housing Administration) 665 $163,735,000 $246,000 $685,000 $88,000 $336,000
VA-guaranteed (Veterans Administration) 184 $68,220,000 $370,000 $1,015,000 $127,000 $482,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $5,675,000 $195,000 $345,000 $76,000 $109,000

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 5,852 $2,339,880,000 $399,000 $66,005,000 $187,000 $9,642,000
Application Denied By Financial Institution 3,077 $333,725,000 $108,000 $3,505,000 $116,000 $4,202,000
Application Withdrawn By Applicant 1,926 $516,640,000 $268,000 $12,645,000 $173,000 $3,000,000
Application Approved But Not Accepted 214 $34,650,000 $161,000 $1,505,000 $153,000 $1,142,000
File Closed For Incompleteness 151 $22,435,000 $148,000 $725,000 $139,000 $2,482,000
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 8,143 $2,913,605,000 $357,000 $66,005,000 $182,000 $9,642,000
Debt-To-Income Ratio 1,201 $158,375,000 $131,000 $3,505,000 $85,000 $1,944,000
Credit History 887 $65,535,000 $73,000 $905,000 $113,000 $4,202,000
Other 430 $42,940,000 $99,000 $1,225,000 $145,000 $1,880,000
Unverifiable Information 184 $19,260,000 $104,000 $485,000 $171,000 $1,050,000
Collateral 167 $16,865,000 $100,000 $595,000 $163,000 $1,794,000
Credit Application Incomplete 166 $22,290,000 $134,000 $2,005,000 $185,000 $1,046,000
Insufficient Cash (Downpayment, Closing Cost) 23 $5,255,000 $228,000 $705,000 $98,000 $270,000
Employment History 19 $3,205,000 $168,000 $965,000 $137,000 $616,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bokf NA's 2024 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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