Local Oklahoma Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Local Oklahoma Bank 2003 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 | Local Oklahoma Bank 3601 N. W. 63 Oklahoma City, OK 73116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,481 |
| Total Mortgage Loan Application Amount | $291,681,000 |
| Average Mortgage Loan Application Amount | $2,147,600 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $207,950 |
| Highest Applicant Income | $1,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Local Oklahoma Bank. 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 Local Oklahoma Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Local Oklahoma Bank'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 Local Oklahoma Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Local Oklahoma Bank, 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 Local Oklahoma Bank's mortgage activity for 2003.
| 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 | 958 | $ 90,222,000 | $ 94,000 | $ 79,000 |
| Tulsa County Oklahoma | 335 | $ 22,792,000 | $ 68,000 | $ 56,000 |
| Stephens County Oklahoma | 334 | $ 17,516,000 | $ 52,000 | $ 43,000 |
| Comanche County Oklahoma | 230 | $ 19,556,000 | $ 85,000 | $ 58,000 |
| Rogers County Oklahoma | 186 | $ 10,059,000 | $ 54,000 | $ 62,000 |
| Cleveland County Oklahoma | 177 | $ 17,260,000 | $ 97,000 | $ 66,000 |
| Ottawa County Oklahoma | 154 | $ 6,743,000 | $ 43,000 | $ 47,000 |
| Logan County Oklahoma | 141 | $ 7,427,000 | $ 52,000 | $ 52,000 |
| Delaware County Oklahoma | 119 | $ 9,065,000 | $ 76,000 | $ 85,000 |
| Garvin County Oklahoma | 85 | $ 3,653,000 | $ 42,000 | $ 41,000 |
| Canadian County Oklahoma | 78 | $ 3,577,000 | $ 45,000 | $ 65,000 |
| Carter County Oklahoma | 76 | $ 3,381,000 | $ 44,000 | $ 41,000 |
| Beckham County Oklahoma | 68 | $ 3,362,000 | $ 49,000 | $ 45,000 |
| Creek County Oklahoma | 60 | $ 2,605,000 | $ 43,000 | $ 55,000 |
| Custer County Oklahoma | 48 | $ 1,691,000 | $ 35,000 | $ 42,000 |
| Lincoln County Oklahoma | 44 | $ 2,106,000 | $ 47,000 | $ 45,000 |
| Grady County Oklahoma | 42 | $ 1,455,000 | $ 34,000 | $ 45,000 |
| Pottawatomie County Oklahoma | 37 | $ 1,430,000 | $ 38,000 | $ 39,000 |
| Osage County Oklahoma | 32 | $ 1,622,000 | $ 50,000 | $ 56,000 |
| McClain County Oklahoma | 31 | $ 1,873,000 | $ 60,000 | $ 60,000 |
| Murray County Oklahoma | 31 | $ 1,147,000 | $ 37,000 | $ 46,000 |
| Muskogee County Oklahoma | 29 | $ 1,300,000 | $ 44,000 | $ 58,000 |
| Wagoner County Oklahoma | 19 | $ 939,000 | $ 49,000 | $ 97,000 |
| Washita County Oklahoma | 19 | $ 999,000 | $ 52,000 | $ 49,000 |
| Craig County Oklahoma | 18 | $ 900,000 | $ 50,000 | $ 28,000 |
| Jefferson County Oklahoma | 14 | $ 569,000 | $ 40,000 | $ 58,000 |
| Okmulgee County Oklahoma | 11 | $ 444,000 | $ 40,000 | $ 56,000 |
| Caddo County Oklahoma | 8 | $ 213,000 | $ 26,000 | $ 45,000 |
| Marshall County Oklahoma | 7 | $ 279,000 | $ 39,000 | $ 73,000 |
| Pawnee County Oklahoma | 7 | $ 316,000 | $ 45,000 | $ 66,000 |
| Mayes County Oklahoma | 6 | $ 541,000 | $ 90,000 | $ 53,000 |
| Kingfisher County Oklahoma | 5 | $ 257,000 | $ 51,000 | $ 46,000 |
| Cotton County Oklahoma | 4 | $ 147,000 | $ 36,000 | $ 67,000 |
| Hughes County Oklahoma | 4 | $ 110,000 | $ 27,000 | $ 23,000 |
| Pontotoc County Oklahoma | 4 | $ 82,000 | $ 20,000 | $ 40,000 |
| Blaine County Oklahoma | 3 | $ 142,000 | $ 47,000 | $ 71,000 |
| Cherokee County Oklahoma | 3 | $ 124,000 | $ 41,000 | $ 45,000 |
| Johnston County Oklahoma | 3 | $ 89,000 | $ 29,000 | $ 29,000 |
| Kiowa County Oklahoma | 3 | $ 150,000 | $ 50,000 | $ 92,000 |
| Payne County Oklahoma | 3 | $ 100,000 | $ 33,000 | $ 81,000 |
| Roger Mills County Oklahoma | 3 | $ 79,000 | $ 26,000 | $ 51,000 |
| Jackson County Oregon | 3 | $ 4,804,000 | $ 1,601,000 | $ 0 |
| Dallas County Texas | 3 | $ 2,447,000 | $ 815,000 | $ 500,000 |
| Maricopa County Arizona | 2 | $ 7,901,000 | $ 3,950,000 | $ 400,000 |
| Choctaw County Oklahoma | 2 | $ 204,000 | $ 102,000 | $ 118,000 |
| Ellis County Oklahoma | 2 | $ 112,000 | $ 56,000 | $ 83,000 |
| Garfield County Oklahoma | 2 | $ 71,000 | $ 35,000 | $ 7,000 |
| Tillman County Oklahoma | 2 | $ 23,000 | $ 11,000 | $ 18,000 |
| Los Angeles County California | 1 | $ 1,600,000 | $ 1,600,000 | $ 0 |
| Larimer County Colorado | 1 | $ 993,000 | $ 993,000 | $ 933,000 |
| Pitkin County Colorado | 1 | $ 40,000 | $ 40,000 | $ 1,000,000 |
| New Haven County Connecticut | 1 | $ 14,000,000 | $ 14,000,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 1,360,000 | $ 1,360,000 | $ 0 |
| Kings County New York | 1 | $ 12,200,000 | $ 12,200,000 | $ 0 |
| New York County New York | 1 | $ 2,602,000 | $ 2,602,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 307,000 | $ 307,000 | $ 130,000 |
| Dewey County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Greer County Oklahoma | 1 | $ 37,000 | $ 37,000 | $ 35,000 |
| Jackson County Oklahoma | 1 | $ 1,820,000 | $ 1,820,000 | $ 0 |
| Major County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 859,000 |
| McCurtain County Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 86,000 |
| McIntosh County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Noble County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Nowata County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Okfuskee County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 121,000 |
| Pittsburg County Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 65,000 |
| Seminole County Oklahoma | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| Woods County Oklahoma | 1 | $ 61,000 | $ 61,000 | $ 68,000 |
| Shelby County Tennessee | 1 | $ 300,000 | $ 300,000 | $ 152,000 |
| Comal County Texas | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Travis County Texas | 1 | $ 100,000 | $ 100,000 | $ 378,000 |
| Utah County Utah | 1 | $ 2,300,000 | $ 2,300,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 100,000 | $ 100,000 | $ 250,000 |
| King County Washington | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
Mortgage Loan Application Detail Totals for Local Oklahoma Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,020 | $160,972,000 | $405,400 | $1,500,000 | $484,800 | $1,900,000 |
| Home Improvement (one-to-four family) | 1,094 | $32,150,000 | $29,000 | $243,000 | $50,000 | $653,000 |
| Home Purchase (one-to-four family) | 350 | $37,054,000 | $589,500 | $1,360,000 | $280,833 | $933,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 17 | $61,505,000 | $4,669,875 | $14,000,000 | $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 | 3,075 | $204,245,000 | $471,166 | $1,500,000 | $407,166 | $1,900,000 |
| American Indian or Alaskan Native | 152 | $6,968,000 | $45,000 | $220,000 | $57,000 | $361,000 |
| Black | 72 | $2,888,000 | $40,000 | $153,000 | $43,000 | $153,000 |
| Hispanic | 69 | $3,572,000 | $75,500 | $320,000 | $153,500 | $250,000 |
| Asian or Pacific Islander | 42 | $4,539,000 | $108,000 | $707,000 | $121,000 | $960,000 |
| Not applicable | 41 | $66,540,000 | $4,123,555 | $14,000,000 | $0 | $0 |
| Other | 18 | $2,584,000 | $375,000 | $822,000 | $238,500 | $456,000 |
| Information not provided by applicant in mail or telephone application | 12 | $345,000 | $28,000 | $50,000 | $75,000 | $311,000 |
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) | 3,480 | $291,661,000 | $2,538,357 | $14,000,000 | $164,928 | $1,900,000 |
| VA-guaranteed (Veterans Administration) | 1 | $20,000 | $20,000 | $20,000 | $24,000 | $24,000 |
| 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 |
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 | 2,656 | $242,510,000 | $2,984,200 | $14,000,000 | $217,100 | $1,900,000 |
| Application Denied By Financial Institution | 621 | $27,843,000 | $1,170,500 | $2,300,000 | $23,500 | $960,000 |
| Application Withdrawn By Applicant | 101 | $9,806,000 | $791,500 | $1,500,000 | $32,500 | $336,000 |
| Application Approved But Not Accepted | 98 | $6,663,000 | $182,500 | $1,285,000 | $105,000 | $736,000 |
| Loan Purchased By The Institution | 3 | $4,804,000 | $1,601,000 | $2,696,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $55,000 | $27,000 | $30,000 | $30,000 | $40,000 |
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 | 295 | $10,640,000 | $36,000 | $206,000 | $38,000 | $240,000 |
| Debt-To-Income Ratio | 139 | $6,638,000 | $47,000 | $1,000,000 | $36,000 | $268,000 |
| Collateral | 134 | $5,775,000 | $43,000 | $194,000 | $56,000 | $600,000 |
| Credit Application Incomplete | 32 | $1,502,000 | $46,000 | $137,000 | $111,000 | $960,000 |
| Unverifiable Information | 9 | $370,000 | $41,000 | $112,000 | $41,000 | $97,000 |
| Other | 5 | $2,567,000 | $1,183,000 | $2,300,000 | $21,000 | $58,000 |
| Employment History | 4 | $174,000 | $43,000 | $85,000 | $26,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $177,000 | $59,000 | $99,000 | $66,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Local Oklahoma Bank's 2003 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 Local Oklahoma 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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.