Stride Bank, National Association Mortgage Lending & HMDA Data, 2021
In 2021, Stride Bank, National Association of Enid, OK reported 1,857 mortgage applications totaling $439.8 million, up 2312% from 2020. The average application was for $236,814, and applicants reported an average income of $96,983. 81% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Oklahoma City, OK (1,119), Tulsa, OK (200) and Enid, OK (53) (applications in parentheses).
| Mortgage Company & Address | Stride Bank, National Association 324 West Broadway Avenue Enid, OK 73701 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 2010 2009 2003 |
| Total Number of Mortgage Applications | 1,857 |
| Total Mortgage Loan Application Amount | $439,765,000 |
| Average Mortgage Loan Application Amount | $236,814 |
| Highest Mortgage Loan Application Amount | $13,785,000 |
| Average Applicant Income | $96,983 |
| Highest Applicant Income | $1,083,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stride Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oklahoma City, OK | 1,119 | $ 253,555,000 | $ 226,590 | $ 93,000 |
| Outside any metro area | 302 | $ 59,610,000 | $ 197,384 | $ 99,684 |
| Tulsa, OK | 200 | $ 59,650,000 | $ 298,250 | $ 103,000 |
| Enid, OK | 53 | $ 8,775,000 | $ 165,566 | $ 114,000 |
| Austin-Round Rock, TX | 30 | $ 9,540,000 | $ 318,000 | $ 101,000 |
| Dallas-Plano-Irving, TX | 18 | $ 5,870,000 | $ 326,111 | $ 122,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 4,170,000 | $ 260,625 | $ 145,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,620,000 | $ 270,000 | $ 117,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,085,000 | $ 217,000 | $ 73,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,725,000 | $ 345,000 | $ 73,000 |
| Kansas City, MO-KS | 4 | $ 1,340,000 | $ 335,000 | $ 104,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,690,000 | $ 422,500 | $ 117,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,380,000 | $ 345,000 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,790,000 | $ 447,500 | $ 161,250 |
| Colorado Springs, CO | 3 | $ 895,000 | $ 298,333 | $ 84,000 |
| El Paso, TX | 3 | $ 735,000 | $ 245,000 | $ 133,000 |
| Greeley, CO | 3 | $ 855,000 | $ 285,000 | $ 134,000 |
| Killeen-Temple, TX | 3 | $ 665,000 | $ 221,666 | $ 66,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 845,000 | $ 281,666 | $ 63,000 |
| Wichita, KS | 3 | $ 615,000 | $ 205,000 | $ 94,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 460,000 | $ 230,000 | $ 118,000 |
| Beaumont-Port Arthur, TX | 2 | $ 600,000 | $ 300,000 | $ 230,000 |
| Brownsville-Harlingen, TX | 2 | $ 590,000 | $ 295,000 | $ 64,000 |
| Chicago-Naperville, IL | 2 | $ 250,000 | $ 125,000 | $ 53,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 5,000,000 | $ 2,500,000 | $ 0 |
| Fort Smith, AR-OK | 2 | $ 300,000 | $ 150,000 | $ 63,000 |
| Fort Worth-Arlington, TX | 2 | $ 710,000 | $ 355,000 | $ 140,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 550,000 | $ 275,000 | $ 80,000 |
| New Haven-Milford, CT | 2 | $ 1,090,000 | $ 545,000 | $ 198,000 |
| New York-Newark, NY | 2 | $ 660,000 | $ 330,000 | $ 115,000 |
| Waco, TX | 2 | $ 450,000 | $ 225,000 | $ 92,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 255,000 | $ 255,000 | $ 45,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 385,000 | $ 385,000 | $ 143,000 |
| Bangor, ME | 1 | $ 295,000 | $ 295,000 | $ 57,000 |
| Bellingham, WA | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Boston, MA | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Coeur D'Alene, ID | 1 | $ 355,000 | $ 355,000 | $ 60,000 |
| Columbus, GA-AL | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 375,000 | $ 375,000 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Dubuque, IA | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 185,000 | $ 185,000 | $ 265,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 375,000 | $ 375,000 | $ 126,000 |
| Goldsboro, NC | 1 | $ 365,000 | $ 365,000 | $ 133,000 |
| Greensboro-High Point, NC | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Homosassa Springs, FL | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Hot Springs, AR | 1 | $ 335,000 | $ 335,000 | $ 182,000 |
| Lafayette-West Lafayette, IN | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Laredo, TX | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Las Cruces, NM | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Lawton, OK | 1 | $ 45,000 | $ 45,000 | $ 109,000 |
| Longview, TX | 1 | $ 265,000 | $ 265,000 | $ 199,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lubbock, TX | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 235,000 | $ 235,000 | $ 97,000 |
| Memphis, TN-MS-AR | 1 | $ 305,000 | $ 305,000 | $ 43,000 |
| Merced, CA | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Midland, MI | 1 | $ 415,000 | $ 415,000 | $ 85,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 485,000 | $ 485,000 | $ 183,000 |
| Newark, NJ-PA | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Odessa, TX | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 445,000 | $ 445,000 | $ 199,000 |
| Providence-Warwick, RI-MA | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Raleigh, NC | 1 | $ 475,000 | $ 475,000 | $ 205,000 |
| Reno, NV | 1 | $ 245,000 | $ 245,000 | $ 46,000 |
| Santa Rosa, CA | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| St. Louis, MO-IL | 1 | $ 645,000 | $ 645,000 | $ 129,000 |
| Syracuse, NY | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Tallahassee, FL | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Tucson, AZ | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Tyler, TX | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 155,000 | $ 155,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for Stride Bank, National Association in 2021
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 | 1,544 | $353,760,000 | $229,000 | $2,525,000 | $94,000 | $1,083,000 |
| Refinancing | 174 | $49,790,000 | $286,000 | $13,785,000 | $105,000 | $677,000 |
| Cash-out Refinancing | 134 | $30,240,000 | $225,000 | $805,000 | $118,000 | $680,000 |
| Other Purpose | 3 | $5,635,000 | $1,878,000 | $5,045,000 | $0 | $0 |
| Home Improvement | 2 | $340,000 | $170,000 | $205,000 | $295,000 | $557,000 |
| 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 | 1,130 | $258,210,000 | $228,000 | $2,525,000 | $103,000 | $1,083,000 |
| Hispanic | 251 | $50,275,000 | $200,000 | $735,000 | $67,000 | $481,000 |
| Not Provided | 241 | $58,245,000 | $241,000 | $805,000 | $107,000 | $410,000 |
| American Indian or Alaskan Native | 76 | $14,980,000 | $197,000 | $595,000 | $90,000 | $680,000 |
| Black or African American | 67 | $15,735,000 | $234,000 | $685,000 | $85,000 | $349,000 |
| Asian | 47 | $11,205,000 | $238,000 | $545,000 | $84,000 | $181,000 |
| Not applicable | 39 | $29,815,000 | $764,000 | $13,785,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $985,000 | $197,000 | $235,000 | $105,000 | $260,000 |
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) | 1,238 | $302,550,000 | $244,000 | $13,785,000 | $110,000 | $1,083,000 |
| FHA-insured (Federal Housing Administration) | 421 | $80,775,000 | $191,000 | $445,000 | $65,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 172 | $52,420,000 | $304,000 | $775,000 | $92,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $4,020,000 | $154,000 | $285,000 | $51,000 | $103,000 |
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 | 1,498 | $351,290,000 | $234,000 | $13,785,000 | $96,000 | $1,075,000 |
| Application Withdrawn By Applicant | 289 | $73,145,000 | $253,000 | $5,045,000 | $105,000 | $1,083,000 |
| Application Denied By Financial Institution | 61 | $13,675,000 | $224,000 | $1,205,000 | $84,000 | $442,000 |
| Application Approved But Not Accepted | 9 | $1,655,000 | $183,000 | $305,000 | $103,000 | $257,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,796 | $426,090,000 | $237,000 | $13,785,000 | $98,000 | $1,083,000 |
| Collateral | 18 | $4,960,000 | $275,000 | $1,205,000 | $92,000 | $257,000 |
| Debt-To-Income Ratio | 16 | $3,620,000 | $226,000 | $525,000 | $77,000 | $442,000 |
| Other | 9 | $1,975,000 | $219,000 | $705,000 | $119,000 | $430,000 |
| Employment History | 7 | $1,245,000 | $177,000 | $315,000 | $50,000 | $75,000 |
| Credit History | 7 | $935,000 | $133,000 | $345,000 | $85,000 | $265,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $145,000 | $29,000 | $32,000 |
| Unverifiable Information | 1 | $455,000 | $455,000 | $455,000 | $74,000 | $74,000 |
| Credit Application Incomplete | 1 | $325,000 | $325,000 | $325,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stride Bank, National Association's 2021 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 Stride Bank, National Association'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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