Great Plains National Bank Mortgage Lending & HMDA Data, 2019

In 2019, Great Plains National Bank of Elk City, OK reported 2,058 mortgage applications totaling $385.8 million, down 41% from 2018. The average application was for $187,478, and applicants reported an average income of $101,111. 81% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oklahoma City, OK (1,358), Tulsa, OK (126) and Austin-Round Rock, TX (42) (applications in parentheses).

Mortgage Company & Address Great Plains National Bank
5909 Nw Expressway
Elk City, OK 73644
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 2,058
Total Mortgage Loan Application Amount $385,830,000
Average Mortgage Loan Application Amount $187,478
Highest Mortgage Loan Application Amount $3,025,000
Average Applicant Income $101,111
Highest Applicant Income $9,144,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Great Plains National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Great Plains National Bank by County in 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Oklahoma, Oklahoma 629 $ 114,125,000 $ 181,438 $ 89,000
Canadian, Oklahoma 291 $ 61,645,000 $ 211,838 $ 93,000
Cleveland, Oklahoma 273 $ 49,595,000 $ 181,666 $ 101,000
Woodward, Oklahoma 68 $ 9,040,000 $ 132,941 $ 81,000
Tulsa, Oklahoma 63 $ 12,485,000 $ 198,174 $ 85,000
Beckham, Oklahoma 58 $ 8,680,000 $ 149,655 $ 303,000
Grady, Oklahoma 54 $ 10,750,000 $ 199,074 $ 191,000
Logan, Oklahoma 52 $ 14,430,000 $ 277,500 $ 117,000
Creek, Oklahoma 46 $ 7,050,000 $ 153,260 $ 72,000
McClain, Oklahoma 45 $ 8,845,000 $ 196,555 $ 82,000
Greer, Oklahoma 30 $ 1,630,000 $ 54,333 $ 73,000
Washita, Oklahoma 26 $ 3,040,000 $ 116,923 $ 109,000
Garfield, Oklahoma 23 $ 3,035,000 $ 131,956 $ 153,000
Travis, Texas 18 $ 5,190,000 $ 288,333 $ 108,000
Pottawatomie, Oklahoma 16 $ 2,610,000 $ 163,125 $ 75,000
Lincoln, Oklahoma 14 $ 1,420,000 $ 101,428 $ 104,000
Kiowa, Oklahoma 13 $ 895,000 $ 68,846 $ 76,000
Payne, Oklahoma 11 $ 1,785,000 $ 162,272 $ 106,000
Garvin, Oklahoma 10 $ 1,400,000 $ 140,000 $ 90,000
Denton, Texas 10 $ 2,730,000 $ 273,000 $ 112,000
Jackson, Oklahoma 9 $ 345,000 $ 38,333 $ 76,000
Hays, Texas 9 $ 2,145,000 $ 238,333 $ 71,000
Custer, Oklahoma 8 $ 1,120,000 $ 140,000 $ 112,000
Ellis, Oklahoma 8 $ 820,000 $ 102,500 $ 72,000
Harris, Texas 8 $ 2,360,000 $ 295,000 $ 99,000
Williamson, Texas 8 $ 1,510,000 $ 188,750 $ 53,000
Wagoner, Oklahoma 7 $ 1,235,000 $ 176,428 $ 80,000
Kingfisher, Oklahoma 6 $ 700,000 $ 116,666 $ 69,000
Pittsburg, Oklahoma 6 $ 1,700,000 $ 283,333 $ 111,000
Bastrop, Texas 6 $ 1,330,000 $ 221,666 $ 72,000
Mecklenburg, North Carolina 5 $ 1,445,000 $ 289,000 $ 161,000
Comanche, Oklahoma 5 $ 1,275,000 $ 255,000 $ 142,000
Harmon, Oklahoma 5 $ 195,000 $ 39,000 $ 67,000
Bexar, Texas 5 $ 1,085,000 $ 217,000 $ 54,000
Collin, Texas 5 $ 1,535,000 $ 307,000 $ 113,000
Newton, Georgia 4 $ 840,000 $ 210,000 $ 62,000
Sedgwick, Kansas 4 $ 570,000 $ 142,500 $ 45,000
Taney, Missouri 4 $ 270,000 $ 67,500 $ 0
Cherokee, Oklahoma 4 $ 800,000 $ 200,000 $ 69,000
Marshall, Oklahoma 4 $ 300,000 $ 75,000 $ 63,000
Okmulgee, Oklahoma 4 $ 280,000 $ 70,000 $ 43,000
Osage, Oklahoma 4 $ 820,000 $ 205,000 $ 85,000
Maricopa, Arizona 3 $ 725,000 $ 241,666 $ 90,000
Los Angeles, California 3 $ 2,015,000 $ 671,666 $ 188,000
Santa Clara, California 3 $ 1,075,000 $ 358,333 $ 94,000
Clayton, Georgia 3 $ 315,000 $ 105,000 $ 41,000
Fulton, Georgia 3 $ 615,000 $ 205,000 $ 65,000
Caddo, Oklahoma 3 $ 305,000 $ 101,666 $ 78,000
Murray, Oklahoma 3 $ 555,000 $ 185,000 $ 149,000
Okfuskee, Oklahoma 3 $ 365,000 $ 121,666 $ 60,000
Roger Mills, Oklahoma 3 $ 295,000 $ 98,333 $ 76,000
Dallas, Texas 3 $ 955,000 $ 318,333 $ 120,000
Fort Bend, Texas 3 $ 1,275,000 $ 425,000 $ 387,000
Tarrant, Texas 3 $ 755,000 $ 251,666 $ 177,000
King, Washington 3 $ 705,000 $ 235,000 $ 92,000
Lee, Alabama 2 $ 250,000 $ 125,000 $ 59,000
Riverside, California 2 $ 780,000 $ 390,000 $ 85,000
El Paso, Colorado 2 $ 500,000 $ 250,000 $ 71,000
Duval, Florida 2 $ 310,000 $ 155,000 $ 46,000
Hillsborough, Florida 2 $ 580,000 $ 290,000 $ 75,000
Manatee, Florida 2 $ 820,000 $ 410,000 $ 304,000
Cobb, Georgia 2 $ 510,000 $ 255,000 $ 109,000
Johnson, Kansas 2 $ 520,000 $ 260,000 $ 99,000
Lowndes, Mississippi 2 $ 420,000 $ 210,000 $ 125,000
Clark, Nevada 2 $ 580,000 $ 290,000 $ 88,000
Colfax, New Mexico 2 $ 330,000 $ 165,000 $ 176,000
Buncombe, North Carolina 2 $ 260,000 $ 130,000 $ 63,000
Iredell, North Carolina 2 $ 250,000 $ 125,000 $ 46,000
Mayes, Oklahoma 2 $ 390,000 $ 195,000 $ 71,000
Rogers, Oklahoma 2 $ 200,000 $ 100,000 $ 38,000
Sequoyah, Oklahoma 2 $ 320,000 $ 160,000 $ 142,000
Umatilla, Oregon 2 $ 390,000 $ 195,000 $ 58,000
Bell, Texas 2 $ 470,000 $ 235,000 $ 54,000
Midland, Texas 2 $ 550,000 $ 275,000 $ 79,000
Montgomery, Texas 2 $ 680,000 $ 340,000 $ 90,000
Smith, Texas 2 $ 360,000 $ 180,000 $ 63,000
Wilson, Texas 2 $ 690,000 $ 345,000 $ 97,000
Colbert, Alabama 1 $ 275,000 $ 275,000 $ 140,000
Macon, Alabama 1 $ 105,000 $ 105,000 $ 72,000
Craighead, Arkansas 1 $ 115,000 $ 115,000 $ 34,000
Van Buren, Arkansas 1 $ 185,000 $ 185,000 $ 70,000
Contra Costa, California 1 $ 115,000 $ 115,000 $ 54,000
San Luis Obispo, California 1 $ 525,000 $ 525,000 $ 91,000
Denver, Colorado 1 $ 215,000 $ 215,000 $ 130,000
Jefferson, Colorado 1 $ 145,000 $ 145,000 $ 208,000
La Plata, Colorado 1 $ 995,000 $ 995,000 $ 0
Mineral, Colorado 1 $ 145,000 $ 145,000 $ 288,000
Moffat, Colorado 1 $ 335,000 $ 335,000 $ 90,000
Kent, Delaware 1 $ 325,000 $ 325,000 $ 103,000
Sussex, Delaware 1 $ 115,000 $ 115,000 $ 56,000
Bay, Florida 1 $ 245,000 $ 245,000 $ 108,000
Brevard, Florida 1 $ 415,000 $ 415,000 $ 140,000
Citrus, Florida 1 $ 275,000 $ 275,000 $ 66,000
Clay, Florida 1 $ 225,000 $ 225,000 $ 76,000
Flagler, Florida 1 $ 325,000 $ 325,000 $ 121,000
Lee, Florida 1 $ 245,000 $ 245,000 $ 76,000
Barrow, Georgia 1 $ 195,000 $ 195,000 $ 47,000
Carroll, Georgia 1 $ 175,000 $ 175,000 $ 73,000
Gordon, Georgia 1 $ 75,000 $ 75,000 $ 32,000
Gwinnett, Georgia 1 $ 155,000 $ 155,000 $ 38,000
Jackson, Georgia 1 $ 225,000 $ 225,000 $ 96,000
Polk, Georgia 1 $ 215,000 $ 215,000 $ 131,000
Walton, Georgia 1 $ 95,000 $ 95,000 $ 62,000
McHenry, Illinois 1 $ 485,000 $ 485,000 $ 61,000
St. Clair, Illinois 1 $ 405,000 $ 405,000 $ 159,000
Will, Illinois 1 $ 295,000 $ 295,000 $ 128,000
Williamson, Illinois 1 $ 215,000 $ 215,000 $ 66,000
Hamilton, Indiana 1 $ 355,000 $ 355,000 $ 0
Monroe, Indiana 1 $ 395,000 $ 395,000 $ 292,000
Marion, Iowa 1 $ 145,000 $ 145,000 $ 52,000
Polk, Iowa 1 $ 155,000 $ 155,000 $ 40,000
Pottawatomie, Kansas 1 $ 245,000 $ 245,000 $ 71,000
Wyandotte, Kansas 1 $ 265,000 $ 265,000 $ 113,000
Charles, Maryland 1 $ 285,000 $ 285,000 $ 78,000
Middlesex, Massachusetts 1 $ 335,000 $ 335,000 $ 92,000
Charlevoix, Michigan 1 $ 135,000 $ 135,000 $ 49,000
Wayne, Michigan 1 $ 235,000 $ 235,000 $ 60,000
Carver, Minnesota 1 $ 215,000 $ 215,000 $ 82,000
Greene, Missouri 1 $ 265,000 $ 265,000 $ 62,000
Jefferson, Missouri 1 $ 395,000 $ 395,000 $ 157,000
St. Charles, Missouri 1 $ 335,000 $ 335,000 $ 105,000
Washoe, Nevada 1 $ 245,000 $ 245,000 $ 58,000
Sussex, New Jersey 1 $ 295,000 $ 295,000 $ 56,000
Santa Fe, New Mexico 1 $ 125,000 $ 125,000 $ 121,000
Taos, New Mexico 1 $ 425,000 $ 425,000 $ 502,000
Burke, North Carolina 1 $ 175,000 $ 175,000 $ 49,000
Caldwell, North Carolina 1 $ 95,000 $ 95,000 $ 38,000
Cleveland, North Carolina 1 $ 105,000 $ 105,000 $ 60,000
Cumberland, North Carolina 1 $ 65,000 $ 65,000 $ 37,000
Forsyth, North Carolina 1 $ 225,000 $ 225,000 $ 134,000
Jackson, North Carolina 1 $ 185,000 $ 185,000 $ 47,000
Rutherford, North Carolina 1 $ 185,000 $ 185,000 $ 63,000
Transylvania, North Carolina 1 $ 165,000 $ 165,000 $ 53,000
Wake, North Carolina 1 $ 485,000 $ 485,000 $ 175,000
Belmont, Ohio 1 $ 175,000 $ 175,000 $ 66,000
Mahoning, Ohio 1 $ 115,000 $ 115,000 $ 134,000
Alfalfa, Oklahoma 1 $ 135,000 $ 135,000 $ 65,000
Blaine, Oklahoma 1 $ 155,000 $ 155,000 $ 80,000
Bryan, Oklahoma 1 $ 105,000 $ 105,000 $ 140,000
Grant, Oklahoma 1 $ 95,000 $ 95,000 $ 114,000
Harper, Oklahoma 1 $ 195,000 $ 195,000 $ 70,000
Haskell, Oklahoma 1 $ 375,000 $ 375,000 $ 154,000
Kay, Oklahoma 1 $ 35,000 $ 35,000 $ 30,000
Major, Oklahoma 1 $ 45,000 $ 45,000 $ 35,000
Muskogee, Oklahoma 1 $ 85,000 $ 85,000 $ 120,000
Pontotoc, Oklahoma 1 $ 175,000 $ 175,000 $ 91,000
Seminole, Oklahoma 1 $ 105,000 $ 105,000 $ 87,000
Washington, Oklahoma 1 $ 45,000 $ 45,000 $ 27,000
Bucks, Pennsylvania 1 $ 335,000 $ 335,000 $ 70,000
York, South Carolina 1 $ 225,000 $ 225,000 $ 0
Sumner, Tennessee 1 $ 105,000 $ 105,000 $ 69,000
Williamson, Tennessee 1 $ 485,000 $ 485,000 $ 209,000
Burnet, Texas 1 $ 155,000 $ 155,000 $ 53,000
Caldwell, Texas 1 $ 125,000 $ 125,000 $ 54,000
Comal, Texas 1 $ 265,000 $ 265,000 $ 89,000
DeWitt, Texas 1 $ 75,000 $ 75,000 $ 54,000
Gillespie, Texas 1 $ 305,000 $ 305,000 $ 174,000
Gray, Texas 1 $ 95,000 $ 95,000 $ 38,000
Guadalupe, Texas 1 $ 295,000 $ 295,000 $ 93,000
Hardin, Texas 1 $ 265,000 $ 265,000 $ 69,000
Houston, Texas 1 $ 285,000 $ 285,000 $ 116,000
Randall, Texas 1 $ 245,000 $ 245,000 $ 64,000
Rockwall, Texas 1 $ 455,000 $ 455,000 $ 130,000
Victoria, Texas 1 $ 75,000 $ 75,000 $ 42,000
Davis, Utah 1 $ 345,000 $ 345,000 $ 116,000
Utah, Utah 1 $ 175,000 $ 175,000 $ 36,000
Orleans, Vermont 1 $ 205,000 $ 205,000 $ 62,000
Montgomery, Virginia 1 $ 335,000 $ 335,000 $ 271,000
Grant, Washington 1 $ 225,000 $ 225,000 $ 55,000
Pierce, Washington 1 $ 365,000 $ 365,000 $ 89,000
Spokane, Washington 1 $ 215,000 $ 215,000 $ 54,000
Walla Walla, Washington 1 $ 345,000 $ 345,000 $ 125,000
Lewis, West Virginia 1 $ 195,000 $ 195,000 $ 86,000
Waukesha, Wisconsin 1 $ 225,000 $ 225,000 $ 85,000

Mortgage Loan Application Detail Totals for Great Plains National Bank in 2019

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 1,700 $318,800,000 $187,000 $3,025,000 $95,000 $9,144,000
Refinancing 211 $40,995,000 $194,000 $1,255,000 $150,000 $4,906,000
Cash-out Refinancing 119 $23,635,000 $198,000 $485,000 $94,000 $352,000
Home Improvement 24 $2,270,000 $94,000 $265,000 $142,000 $726,000
Other Purpose 4 $130,000 $32,000 $65,000 $86,000 $99,000
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 1,233 $233,035,000 $188,000 $775,000 $107,000 $9,144,000
Hispanic 257 $38,915,000 $151,000 $445,000 $59,000 $224,000
Not Provided 255 $53,575,000 $210,000 $485,000 $114,000 $1,024,000
Black or African American 99 $18,615,000 $188,000 $465,000 $72,000 $197,000
Not applicable 78 $15,810,000 $202,000 $3,025,000 $0 $0
American Indian or Alaskan Native 74 $14,220,000 $192,000 $485,000 $126,000 $2,741,000
Asian 55 $10,395,000 $189,000 $485,000 $99,000 $352,000
Native Hawaiian or Other Pacific Islander 7 $1,265,000 $180,000 $265,000 $84,000 $160,000

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) 1,123 $210,115,000 $187,000 $3,025,000 $125,000 $9,144,000
FHA-insured (Federal Housing Administration) 633 $104,345,000 $164,000 $405,000 $66,000 $231,000
VA-guaranteed (Veterans Administration) 272 $67,310,000 $247,000 $765,000 $89,000 $258,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $4,060,000 $135,000 $235,000 $55,000 $86,000

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 1,677 $317,575,000 $189,000 $3,025,000 $104,000 $9,144,000
Application Withdrawn By Applicant 269 $48,485,000 $180,000 $505,000 $88,000 $574,000
Application Denied By Financial Institution 84 $14,060,000 $167,000 $425,000 $70,000 $240,000
Application Approved But Not Accepted 20 $3,010,000 $150,000 $325,000 $100,000 $287,000
Loan Purchased By The Institution 5 $1,695,000 $339,000 $765,000 $0 $0
File Closed For Incompleteness 3 $1,005,000 $335,000 $385,000 $185,000 $290,000
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 1,974 $371,770,000 $188,000 $3,025,000 $101,000 $9,144,000
Debt-To-Income Ratio 24 $3,940,000 $164,000 $425,000 $51,000 $116,000
Collateral 21 $3,545,000 $168,000 $365,000 $79,000 $224,000
Credit History 17 $2,325,000 $136,000 $425,000 $71,000 $240,000
Other 11 $1,585,000 $144,000 $215,000 $81,000 $147,000
Employment History 9 $1,955,000 $217,000 $365,000 $74,000 $141,000
Insufficient Cash (Downpayment, Closing Cost) 2 $710,000 $355,000 $375,000 $126,000 $162,000
Mortgage Insurance Denied 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 Great Plains National Bank's 2019 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 Great Plains National Bank'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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