Communication Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Communication Federal Credit Union 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Communication Federal Credit Union 4141 Nw Expressway, Suite 200 Oklahoma City, OK 73162 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 541 |
| Total Mortgage Loan Application Amount | $52,805,000 |
| Average Mortgage Loan Application Amount | $101,750 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $88,750 |
| Highest Applicant Income | $2,076,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Communication Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Communication Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Communication Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Communication Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Communication Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Communication Federal Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 124 | $ 12,520,000 | $ 100,000 | $ 85,000 |
| Tulsa County Oklahoma | 91 | $ 8,345,000 | $ 91,000 | $ 106,000 |
| Cleveland County Oklahoma | 55 | $ 5,435,000 | $ 98,000 | $ 103,000 |
| Canadian County Oklahoma | 52 | $ 5,620,000 | $ 108,000 | $ 142,000 |
| Carter County Oklahoma | 28 | $ 2,350,000 | $ 83,000 | $ 84,000 |
| Rogers County Oklahoma | 18 | $ 1,620,000 | $ 90,000 | $ 75,000 |
| Garfield County Oklahoma | 15 | $ 1,325,000 | $ 88,000 | $ 99,000 |
| Wagoner County Oklahoma | 15 | $ 2,075,000 | $ 138,000 | $ 110,000 |
| Logan County Oklahoma | 14 | $ 950,000 | $ 67,000 | $ 102,000 |
| McClain County Oklahoma | 14 | $ 2,470,000 | $ 176,000 | $ 233,000 |
| Shawnee County Kansas | 13 | $ 1,325,000 | $ 101,000 | $ 95,000 |
| Pottawatomie County Oklahoma | 13 | $ 1,135,000 | $ 87,000 | $ 73,000 |
| Muskogee County Oklahoma | 10 | $ 570,000 | $ 57,000 | $ 68,000 |
| Pontotoc County Oklahoma | 8 | $ 660,000 | $ 82,000 | $ 66,000 |
| Comanche County Oklahoma | 7 | $ 515,000 | $ 73,000 | $ 63,000 |
| Grady County Oklahoma | 7 | $ 625,000 | $ 89,000 | $ 90,000 |
| Lincoln County Oklahoma | 6 | $ 850,000 | $ 141,000 | $ 121,000 |
| Stephens County Oklahoma | 4 | $ 270,000 | $ 67,000 | $ 56,000 |
| Murray County Oklahoma | 3 | $ 255,000 | $ 85,000 | $ 158,000 |
| Osage County Oklahoma | 3 | $ 115,000 | $ 38,000 | $ 81,000 |
| Payne County Oklahoma | 3 | $ 65,000 | $ 21,000 | $ 113,000 |
| Creek County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 78,000 |
| Jefferson County Oklahoma | 2 | $ 60,000 | $ 30,000 | $ 69,000 |
| McIntosh County Oklahoma | 2 | $ 170,000 | $ 85,000 | $ 120,000 |
| Noble County Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 129,000 |
| Woodward County Oklahoma | 2 | $ 280,000 | $ 140,000 | $ 113,000 |
| Douglas County Kansas | 1 | $ 55,000 | $ 55,000 | $ 161,000 |
| Johnson County Kansas | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Wyandotte County Kansas | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Adair County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Beckham County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Cherokee County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 111,000 |
| Choctaw County Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Coal County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Cotton County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Custer County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 188,000 |
| Delaware County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Dewey County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Garvin County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Greer County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 124,000 |
| Hughes County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Johnston County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Kay County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Kingfisher County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Love County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Major County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Marshall County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Mayes County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| McCurtain County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Pawnee County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Pittsburg County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Pushmataha County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Seminole County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Sequoyah County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for Communication Federal Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 359 | $23,735,000 | $66,000 | $585,000 | $104,000 | $2,076,000 |
| Home Purchase | 135 | $23,915,000 | $177,000 | $455,000 | $99,000 | $418,000 |
| Refinancing | 39 | $4,825,000 | $123,000 | $395,000 | $83,000 | $307,000 |
| Home Improvement | 8 | $330,000 | $41,000 | $85,000 | $69,000 | $124,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 431 | $40,475,000 | $93,000 | $585,000 | $105,000 | $2,076,000 |
| Not Provided | 49 | $6,495,000 | $132,000 | $375,000 | $93,000 | $275,000 |
| Black or African American | 39 | $3,535,000 | $90,000 | $425,000 | $75,000 | $225,000 |
| Hispanic | 11 | $795,000 | $72,000 | $205,000 | $89,000 | $439,000 |
| Asian | 7 | $1,145,000 | $163,000 | $285,000 | $99,000 | $195,000 |
| American Indian or Alaskan Native | 4 | $360,000 | $90,000 | $165,000 | $70,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 523 | $49,425,000 | $94,000 | $585,000 | $102,000 | $2,076,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,455,000 | $161,000 | $245,000 | $65,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,575,000 | $225,000 | $445,000 | $79,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $350,000 | $175,000 | $225,000 | $72,000 | $91,000 |
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 | 435 | $45,275,000 | $104,000 | $585,000 | $102,000 | $987,000 |
| Application Denied By Financial Institution | 56 | $4,370,000 | $78,000 | $365,000 | $110,000 | $2,076,000 |
| File Closed For Incompleteness | 45 | $2,665,000 | $59,000 | $205,000 | $87,000 | $349,000 |
| Application Approved But Not Accepted | 3 | $185,000 | $61,000 | $85,000 | $29,000 | $42,000 |
| Application Withdrawn By Applicant | 2 | $310,000 | $155,000 | $235,000 | $88,000 | $108,000 |
| 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 | 485 | $48,435,000 | $99,000 | $585,000 | $100,000 | $987,000 |
| Debt-To-Income Ratio | 23 | $2,055,000 | $89,000 | $305,000 | $69,000 | $343,000 |
| Credit History | 19 | $1,265,000 | $66,000 | $175,000 | $191,000 | $2,076,000 |
| Collateral | 5 | $165,000 | $33,000 | $55,000 | $73,000 | $121,000 |
| Credit Application Incomplete | 4 | $120,000 | $30,000 | $35,000 | $79,000 | $172,000 |
| Unverifiable Information | 3 | $735,000 | $245,000 | $365,000 | $66,000 | $131,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $52,000 | $52,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Communication Federal Credit Union's 2018 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 Communication Federal Credit Union'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.