Energy One Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Energy One Federal Credit Union 2020 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 | Energy One Federal Credit Union 6100 S Yale Ave, Suite 100 Tulsa, OK 74136 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 194 |
| Total Mortgage Loan Application Amount | $40,370,000 |
| Average Mortgage Loan Application Amount | $209,666 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $141,000 |
| Highest Applicant Income | $722,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Energy One 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 Energy One Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Energy One 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 Energy One Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Energy One 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 Energy One Federal Credit Union's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa County Oklahoma | 49 | $ 8,505,000 | $ 173,000 | $ 113,000 |
| Harris County Texas | 23 | $ 5,465,000 | $ 237,000 | $ 164,000 |
| Fort Bend County Texas | 15 | $ 4,075,000 | $ 271,000 | $ 159,000 |
| Rogers County Oklahoma | 11 | $ 1,545,000 | $ 140,000 | $ 86,000 |
| Wagoner County Oklahoma | 8 | $ 1,530,000 | $ 191,000 | $ 133,000 |
| Montgomery County Texas | 6 | $ 1,540,000 | $ 256,000 | $ 154,000 |
| Osage County Oklahoma | 5 | $ 625,000 | $ 125,000 | $ 126,000 |
| Kern County California | 4 | $ 970,000 | $ 242,000 | $ 187,000 |
| Creek County Oklahoma | 4 | $ 400,000 | $ 100,000 | $ 50,000 |
| Nueces County Texas | 3 | $ 695,000 | $ 231,000 | $ 183,000 |
| Teller County Colorado | 2 | $ 450,000 | $ 225,000 | $ 261,000 |
| Gwinnett County Georgia | 2 | $ 470,000 | $ 235,000 | $ 43,000 |
| Aransas County Texas | 2 | $ 350,000 | $ 175,000 | $ 145,000 |
| Cameron County Texas | 2 | $ 140,000 | $ 70,000 | $ 105,000 |
| Collin County Texas | 2 | $ 450,000 | $ 225,000 | $ 99,000 |
| Dallas County Texas | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Lubbock County Texas | 2 | $ 160,000 | $ 80,000 | $ 135,000 |
| Midland County Texas | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Waller County Texas | 2 | $ 580,000 | $ 290,000 | $ 162,000 |
| Los Angeles County California | 1 | $ 195,000 | $ 195,000 | $ 164,000 |
| San Luis Obispo County California | 1 | $ 395,000 | $ 395,000 | $ 115,000 |
| Gilpin County Colorado | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Jefferson County Colorado | 1 | $ 455,000 | $ 455,000 | $ 103,000 |
| Larimer County Colorado | 1 | $ 35,000 | $ 35,000 | $ 136,000 |
| Walton County Florida | 1 | $ 405,000 | $ 405,000 | $ 268,000 |
| Cobb County Georgia | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Effingham County Georgia | 1 | $ 405,000 | $ 405,000 | $ 276,000 |
| Fulton County Georgia | 1 | $ 765,000 | $ 765,000 | $ 275,000 |
| Liberty County Georgia | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| St. Joseph County Indiana | 1 | $ 315,000 | $ 315,000 | $ 245,000 |
| Warrick County Indiana | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Vernon County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| Clay County Missouri | 1 | $ 355,000 | $ 355,000 | $ 121,000 |
| Stone County Missouri | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Washoe County Nevada | 1 | $ 505,000 | $ 505,000 | $ 116,000 |
| Perquimans County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 113,000 |
| Miami County Ohio | 1 | $ 145,000 | $ 145,000 | $ 262,000 |
| Canadian County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Cherokee County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Cleveland County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 124,000 |
| Oklahoma County Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 482,000 |
| Okmulgee County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Pottawatomie County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 271,000 |
| Sequoyah County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bee County Texas | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| Chambers County Texas | 1 | $ 165,000 | $ 165,000 | $ 722,000 |
| Comal County Texas | 1 | $ 345,000 | $ 345,000 | $ 215,000 |
| Dawson County Texas | 1 | $ 125,000 | $ 125,000 | $ 119,000 |
| Denton County Texas | 1 | $ 435,000 | $ 435,000 | $ 161,000 |
| Galveston County Texas | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Rains County Texas | 1 | $ 305,000 | $ 305,000 | $ 560,000 |
| Rockwall County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tarrant County Texas | 1 | $ 95,000 | $ 95,000 | $ 97,000 |
| Wise County Texas | 1 | $ 55,000 | $ 55,000 | $ 197,000 |
| Spokane County Washington | 1 | $ 225,000 | $ 225,000 | $ 599,000 |
Mortgage Loan Application Detail Totals for Energy One Federal Credit Union in 2020
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 | 80 | $15,130,000 | $189,000 | $615,000 | $146,000 | $722,000 |
| Home Purchase | 59 | $14,615,000 | $247,000 | $765,000 | $152,000 | $599,000 |
| Refinancing | 55 | $10,625,000 | $193,000 | $475,000 | $125,000 | $303,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 117 | $23,475,000 | $200,000 | $595,000 | $143,000 | $599,000 |
| Not Provided | 22 | $6,210,000 | $282,000 | $765,000 | $205,000 | $722,000 |
| Hispanic | 15 | $3,415,000 | $227,000 | $545,000 | $141,000 | $303,000 |
| Black or African American | 12 | $2,160,000 | $180,000 | $385,000 | $87,000 | $212,000 |
| American Indian or Alaskan Native | 11 | $1,835,000 | $166,000 | $265,000 | $99,000 | $169,000 |
| Asian | 10 | $1,600,000 | $160,000 | $225,000 | $112,000 | $300,000 |
| Not applicable | 5 | $1,485,000 | $297,000 | $615,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 192 | $39,540,000 | $205,000 | $765,000 | $142,000 | $722,000 |
| FHA-insured (Federal Housing Administration) | 1 | $405,000 | $405,000 | $405,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $425,000 | $425,000 | $425,000 | $82,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 111 | $22,645,000 | $204,000 | $615,000 | $157,000 | $722,000 |
| File Closed For Incompleteness | 28 | $6,690,000 | $238,000 | $505,000 | $150,000 | $360,000 |
| Application Denied By Financial Institution | 26 | $3,920,000 | $150,000 | $545,000 | $88,000 | $303,000 |
| Application Withdrawn By Applicant | 15 | $3,225,000 | $215,000 | $585,000 | $122,000 | $246,000 |
| Application Approved But Not Accepted | 10 | $2,420,000 | $242,000 | $425,000 | $120,000 | $263,000 |
| Preapproval Denied by Financial Institution | 3 | $1,075,000 | $358,000 | $765,000 | $129,000 | $275,000 |
| Preapproval Approved but not Accepted | 1 | $395,000 | $395,000 | $395,000 | $200,000 | $200,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 194 | $40,370,000 | $208,000 | $765,000 | $142,000 | $722,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Energy One Federal Credit Union's 2020 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 Energy One 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.