Energy One Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Energy One Federal Credit Union of Tulsa, OK reported 213 mortgage applications totaling $31.6 million, down 31% from 2013. The average application was for $148,145, and applicants reported an average income of $149,568. 86% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Tulsa, OK (78), Houston-The Woodlands-Sugar Land, TX (38) and Bakersfield, CA (16) (applications in parentheses).
| 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 | 2025 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 213 |
| Total Mortgage Loan Application Amount | $31,555,000 |
| Average Mortgage Loan Application Amount | $148,145 |
| Highest Mortgage Loan Application Amount | $440,000 |
| Average Applicant Income | $149,568 |
| Highest Applicant Income | $1,469,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Energy One Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 78 | $ 8,316,000 | $ 106,615 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 38 | $ 7,449,000 | $ 196,026 | $ 211,000 |
| Bakersfield, CA | 16 | $ 2,931,000 | $ 183,187 | $ 133,000 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 855,000 | $ 77,727 | $ 84,000 |
| Oklahoma City, OK | 7 | $ 905,000 | $ 129,285 | $ 52,000 |
| Savannah, GA | 7 | $ 1,466,000 | $ 209,428 | $ 139,000 |
| Dallas-Plano-Irving, TX | 6 | $ 930,000 | $ 155,000 | $ 163,000 |
| Lubbock, TX | 3 | $ 387,000 | $ 129,000 | $ 120,000 |
| Midland, TX | 3 | $ 175,000 | $ 58,333 | $ 110,000 |
| Chattanooga, TN-GA | 2 | $ 226,000 | $ 113,000 | $ 154,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 495,000 | $ 247,500 | $ 208,000 |
| Fort Worth-Arlington, TX | 2 | $ 158,000 | $ 79,000 | $ 116,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 464,000 | $ 232,000 | $ 1,417,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 370,000 | $ 185,000 | $ 185,000 |
| San Diego-Carlsbad, CA | 2 | $ 834,000 | $ 417,000 | $ 516,000 |
| Austin-Round Rock, TX | 1 | $ 292,000 | $ 292,000 | $ 157,000 |
| Camden, NJ | 1 | $ 190,000 | $ 190,000 | $ 125,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 183,000 | $ 183,000 | $ 136,000 |
| Fort Smith, AR-OK | 1 | $ 100,000 | $ 100,000 | $ 240,000 |
| Fort Wayne, IN | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 126,000 | $ 126,000 | $ 220,000 |
| Hattiesburg, MS | 1 | $ 199,000 | $ 199,000 | $ 289,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 93,000 | $ 93,000 | $ 58,000 |
| Memphis, TN-MS-AR | 1 | $ 380,000 | $ 380,000 | $ 138,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 30,000 | $ 30,000 | $ 22,000 |
| Odessa, TX | 1 | $ 244,000 | $ 244,000 | $ 120,000 |
| Pittsburgh, PA | 1 | $ 160,000 | $ 160,000 | $ 215,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 250,000 | $ 250,000 | $ 122,000 |
| St. Louis, MO-IL | 1 | $ 241,000 | $ 241,000 | $ 150,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 87,000 | $ 87,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for Energy One Federal Credit Union in 2014
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 | 133 | $20,627,000 | $155,000 | $417,000 | $166,000 | $1,469,000 |
| Refinancing | 78 | $10,765,000 | $138,000 | $440,000 | $122,000 | $1,140,000 |
| Home Improvement | 2 | $163,000 | $81,000 | $134,000 | $132,000 | $140,000 |
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 | 160 | $23,255,000 | $145,000 | $440,000 | $155,000 | $1,140,000 |
| Not applicable | 24 | $3,236,000 | $134,000 | $390,000 | $0 | $0 |
| Hispanic | 17 | $2,938,000 | $172,000 | $412,000 | $327,000 | $1,469,000 |
| American Indian or Alaskan Native | 5 | $658,000 | $131,000 | $285,000 | $110,000 | $209,000 |
| Asian | 5 | $1,261,000 | $252,000 | $417,000 | $166,000 | $219,000 |
| Black or African American | 2 | $207,000 | $103,000 | $111,000 | $60,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 213 | $31,555,000 | $148,000 | $440,000 | $149,000 | $1,469,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 184 | $26,195,000 | $142,000 | $439,000 | $143,000 | $1,469,000 |
| Application Approved But Not Accepted | 22 | $4,845,000 | $220,000 | $440,000 | $227,000 | $1,140,000 |
| Application Denied By Financial Institution | 6 | $392,000 | $65,000 | $172,000 | $71,000 | $150,000 |
| Application Withdrawn By Applicant | 1 | $123,000 | $123,000 | $123,000 | $108,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $170,000 | $56,000 | $60,000 | $25,000 | $35,000 |
| Collateral | 2 | $197,000 | $98,000 | $172,000 | $115,000 | $150,000 |
| Debt-To-Income Ratio | 1 | $25,000 | $25,000 | $25,000 | $121,000 | $121,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Energy One Federal Credit Union's 2014 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About