Local Oklahoma Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Local Oklahoma Bank 2004 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 | 2,202 |
| Total Mortgage Loan Application Amount | $118,847,000 |
| Average Mortgage Loan Application Amount | $289,666 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $101,166 |
| Highest Applicant Income | $1,225,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 591 | $ 36,627,000 | $ 61,000 | $ 66,000 |
| Stephens County Oklahoma | 259 | $ 13,460,000 | $ 51,000 | $ 45,000 |
| Tulsa County Oklahoma | 183 | $ 7,860,000 | $ 42,000 | $ 58,000 |
| Comanche County Oklahoma | 171 | $ 8,466,000 | $ 49,000 | $ 53,000 |
| Cleveland County Oklahoma | 109 | $ 9,271,000 | $ 85,000 | $ 68,000 |
| Logan County Oklahoma | 98 | $ 4,029,000 | $ 41,000 | $ 71,000 |
| Rogers County Oklahoma | 79 | $ 3,220,000 | $ 40,000 | $ 55,000 |
| Canadian County Oklahoma | 75 | $ 3,147,000 | $ 41,000 | $ 74,000 |
| Garvin County Oklahoma | 65 | $ 3,471,000 | $ 53,000 | $ 55,000 |
| Ottawa County Oklahoma | 63 | $ 2,245,000 | $ 35,000 | $ 39,000 |
| Delaware County Oklahoma | 59 | $ 5,186,000 | $ 87,000 | $ 117,000 |
| Beckham County Oklahoma | 50 | $ 1,809,000 | $ 36,000 | $ 47,000 |
| Creek County Oklahoma | 48 | $ 1,911,000 | $ 39,000 | $ 49,000 |
| Lincoln County Oklahoma | 44 | $ 1,439,000 | $ 32,000 | $ 44,000 |
| Custer County Oklahoma | 41 | $ 1,240,000 | $ 30,000 | $ 47,000 |
| Grady County Oklahoma | 34 | $ 1,721,000 | $ 50,000 | $ 34,000 |
| Carter County Oklahoma | 32 | $ 1,423,000 | $ 44,000 | $ 54,000 |
| Muskogee County Oklahoma | 32 | $ 1,265,000 | $ 39,000 | $ 43,000 |
| McClain County Oklahoma | 23 | $ 1,101,000 | $ 47,000 | $ 62,000 |
| Murray County Oklahoma | 19 | $ 951,000 | $ 50,000 | $ 55,000 |
| Pottawatomie County Oklahoma | 15 | $ 511,000 | $ 34,000 | $ 65,000 |
| Wagoner County Oklahoma | 15 | $ 561,000 | $ 37,000 | $ 64,000 |
| Osage County Oklahoma | 12 | $ 475,000 | $ 39,000 | $ 62,000 |
| Caddo County Oklahoma | 9 | $ 350,000 | $ 38,000 | $ 46,000 |
| Washita County Oklahoma | 8 | $ 269,000 | $ 33,000 | $ 39,000 |
| Craig County Oklahoma | 6 | $ 153,000 | $ 25,000 | $ 40,000 |
| Jefferson County Oklahoma | 6 | $ 270,000 | $ 45,000 | $ 70,000 |
| Jackson County Oklahoma | 4 | $ 145,000 | $ 36,000 | $ 56,000 |
| Love County Oklahoma | 4 | $ 78,000 | $ 19,000 | $ 38,000 |
| Pawnee County Oklahoma | 4 | $ 99,000 | $ 24,000 | $ 62,000 |
| Kiowa County Oklahoma | 3 | $ 37,000 | $ 12,000 | $ 61,000 |
| Marshall County Oklahoma | 3 | $ 59,000 | $ 19,000 | $ 57,000 |
| Mayes County Oklahoma | 3 | $ 209,000 | $ 69,000 | $ 113,000 |
| Cherokee County Oklahoma | 2 | $ 41,000 | $ 20,000 | $ 102,000 |
| Cotton County Oklahoma | 2 | $ 100,000 | $ 50,000 | $ 83,000 |
| Kingfisher County Oklahoma | 2 | $ 40,000 | $ 20,000 | $ 29,000 |
| Okmulgee County Oklahoma | 2 | $ 38,000 | $ 19,000 | $ 59,000 |
| Seminole County Oklahoma | 2 | $ 92,000 | $ 46,000 | $ 69,000 |
| Benton County Arkansas | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Polk County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Sonoma County California | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 1,360,000 | $ 1,360,000 | $ 0 |
| McDonald County Missouri | 1 | $ 53,000 | $ 53,000 | $ 22,000 |
| Adair County Oklahoma | 1 | $ 42,000 | $ 42,000 | $ 82,000 |
| Blaine County Oklahoma | 1 | $ 21,000 | $ 21,000 | $ 18,000 |
| Dewey County Oklahoma | 1 | $ 120,000 | $ 120,000 | $ 110,000 |
| Johnston County Oklahoma | 1 | $ 26,000 | $ 26,000 | $ 48,000 |
| Kay County Oklahoma | 1 | $ 23,000 | $ 23,000 | $ 96,000 |
| McIntosh County Oklahoma | 1 | $ 34,000 | $ 34,000 | $ 96,000 |
| Okfuskee County Oklahoma | 1 | $ 29,000 | $ 29,000 | $ 51,000 |
| Payne County Oklahoma | 1 | $ 18,000 | $ 18,000 | $ 42,000 |
| Pontotoc County Oklahoma | 1 | $ 32,000 | $ 32,000 | $ 17,000 |
| Roger Mills County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Shelby County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 170,000 |
| Cameron County Texas | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
| Dallas County Texas | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,225,000 |
| Henderson County Texas | 1 | $ 148,000 | $ 148,000 | $ 144,000 |
| Hunt County Texas | 1 | $ 170,000 | $ 170,000 | $ 200,000 |
| Palo Pinto County Texas | 1 | $ 138,000 | $ 138,000 | $ 129,000 |
| Tarrant County Texas | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Taylor County Texas | 1 | $ 300,000 | $ 300,000 | $ 341,000 |
| Wichita County Texas | 1 | $ 94,000 | $ 94,000 | $ 107,000 |
| Fayette County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Local Oklahoma Bank in 2004
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 Improvement | 1,091 | $36,290,000 | $85,000 | $540,000 | $106,000 | $679,000 |
| Refinancing | 812 | $51,647,000 | $213,600 | $2,100,000 | $155,200 | $1,225,000 |
| Home Purchase | 299 | $30,910,000 | $447,600 | $1,360,000 | $45,200 | $1,209,000 |
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 | 1,931 | $103,572,000 | $160,833 | $1,500,000 | $114,833 | $1,225,000 |
| American Indian or Alaskan Native | 82 | $4,256,000 | $51,000 | $328,000 | $55,000 | $430,000 |
| Black or African American | 72 | $2,579,000 | $35,000 | $99,000 | $47,000 | $146,000 |
| Hispanic | 57 | $1,854,000 | $32,000 | $260,000 | $50,000 | $190,000 |
| Asian | 26 | $1,173,000 | $45,000 | $122,000 | $65,000 | $268,000 |
| Not applicable | 22 | $5,094,000 | $705,333 | $2,100,000 | $0 | $0 |
| Not Provided | 9 | $253,000 | $28,000 | $120,000 | $77,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $66,000 | $22,000 | $35,000 | $36,000 | $54,000 |
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) | 2,202 | $118,847,000 | $365,625 | $2,100,000 | $85,750 | $1,225,000 |
| 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 | 1,576 | $90,089,000 | $353,625 | $2,100,000 | $70,375 | $1,209,000 |
| Application Denied By Financial Institution | 494 | $19,054,000 | $38,000 | $500,000 | $45,000 | $300,000 |
| Application Approved But Not Accepted | 76 | $5,286,000 | $775,000 | $1,500,000 | $647,500 | $1,225,000 |
| Application Withdrawn By Applicant | 55 | $4,376,000 | $80,666 | $400,000 | $87,666 | $699,000 |
| File Closed For Incompleteness | 1 | $42,000 | $42,000 | $42,000 | $82,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 231 | $7,023,000 | $30,000 | $150,000 | $38,000 | $132,000 |
| Debt-To-Income Ratio | 125 | $5,113,000 | $40,000 | $260,000 | $42,000 | $139,000 |
| Collateral | 98 | $3,337,000 | $34,000 | $152,000 | $54,000 | $300,000 |
| Credit Application Incomplete | 22 | $2,392,000 | $108,000 | $500,000 | $71,000 | $220,000 |
| Other | 7 | $772,000 | $110,000 | $325,000 | $68,000 | $142,000 |
| Unverifiable Information | 6 | $280,000 | $46,000 | $153,000 | $38,000 | $86,000 |
| Employment History | 4 | $83,000 | $20,000 | $36,000 | $36,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $54,000 | $54,000 | $54,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Local Oklahoma Bank's 2004 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.