Midfirst Bank Mortgage Lending & HMDA Data, 2005

In 2005, Midfirst Bank of Oklahoma City, OK reported 37,296 mortgage applications totaling $2.3 billion, down 27% from 2004. The average application was for $62,378, and applicants reported an average income of $31,928. 25% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Oklahoma City, OK (1,848), Houston-Baytown-Sugar Land, TX (1,234) and Atlanta-Sandy Springs-Marietta, GA (1,015) (applications in parentheses).

Mortgage Company & Address Midfirst Bank
501 Nw Grand Blvd.
Oklahoma City, OK 73118
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 37,296
Total Mortgage Loan Application Amount $2,326,474,000
Average Mortgage Loan Application Amount $62,378
Highest Mortgage Loan Application Amount $17,600,000
Average Applicant Income $31,928
Highest Applicant Income $9,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midfirst Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Midfirst Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Oklahoma, Oklahoma 1,040 $ 83,980,000 $ 80,750 $ 60,000
Harris, Texas 901 $ 42,541,000 $ 47,215 $ 51,000
Dallas, Texas 781 $ 38,558,000 $ 49,370 $ 42,000
Bexar, Texas 631 $ 26,657,000 $ 42,245 $ 45,000
Tarrant, Texas 593 $ 27,500,000 $ 46,374 $ 43,000
Cook, Illinois 534 $ 32,832,000 $ 61,483 $ 37,000
Shelby, Tennessee 456 $ 22,904,000 $ 50,228 $ 40,000
Maricopa, Arizona 430 $ 55,812,000 $ 129,795 $ 46,000
Philadelphia, Pennsylvania 426 $ 20,276,000 $ 47,596 $ 39,000
El Paso, Texas 409 $ 17,647,000 $ 43,146 $ 34,000
Tulsa, Oklahoma 391 $ 30,653,000 $ 78,396 $ 51,000
Miami-Dade, Florida 385 $ 24,521,000 $ 63,690 $ 31,000
Marion, Indiana 381 $ 31,146,000 $ 81,748 $ 33,000
Erie, New York 331 $ 16,536,000 $ 49,957 $ 41,000
Orleans, Louisiana 320 $ 14,980,000 $ 46,812 $ 41,000
Cleveland, Oklahoma 320 $ 23,861,000 $ 74,565 $ 67,000
Orange, Florida 314 $ 22,997,000 $ 73,238 $ 35,000
Canadian, Oklahoma 305 $ 22,662,000 $ 74,301 $ 51,000
Los Angeles, California 289 $ 23,634,000 $ 81,778 $ 47,000
Duval, Florida 277 $ 14,509,000 $ 52,379 $ 43,000
Monroe, New York 275 $ 13,834,000 $ 50,305 $ 37,000
Hillsborough, Florida 261 $ 17,572,000 $ 67,325 $ 42,000
DeKalb, Georgia 256 $ 19,186,000 $ 74,945 $ 38,000
Baltimore City, Maryland 246 $ 11,669,000 $ 47,434 $ 39,000
San Bernardino, California 242 $ 16,995,000 $ 70,227 $ 45,000
Broward, Florida 236 $ 15,192,000 $ 64,372 $ 39,000
Jefferson, Alabama 232 $ 10,745,000 $ 46,314 $ 37,000
Prince George's, Maryland 230 $ 19,748,000 $ 85,860 $ 51,000
Onondaga, New York 229 $ 12,615,000 $ 55,087 $ 35,000
Wayne, Michigan 224 $ 8,816,000 $ 39,357 $ 37,000
St. Louis, Missouri 216 $ 14,344,000 $ 66,407 $ 36,000
Clark, Nevada 215 $ 15,644,000 $ 72,762 $ 44,000
Cuyahoga, Ohio 215 $ 11,529,000 $ 53,623 $ 38,000
Pinellas, Florida 209 $ 12,823,000 $ 61,354 $ 46,000
Allegheny, Pennsylvania 198 $ 8,921,000 $ 45,055 $ 40,000
Pulaski, Arkansas 184 $ 8,133,000 $ 44,201 $ 47,000
Travis, Texas 182 $ 9,769,000 $ 53,675 $ 56,000
Nueces, Texas 177 $ 7,903,000 $ 44,649 $ 48,000
Polk, Florida 169 $ 11,313,000 $ 66,940 $ 32,000
Fulton, Georgia 169 $ 10,002,000 $ 59,183 $ 41,000
Riverside, California 154 $ 12,477,000 $ 81,019 $ 53,000
Fort Bend, Texas 152 $ 7,841,000 $ 51,585 $ 47,000
Guilford, North Carolina 151 $ 9,833,000 $ 65,119 $ 27,000
Brevard, Florida 149 $ 9,679,000 $ 64,959 $ 40,000
Sedgwick, Kansas 147 $ 7,422,000 $ 50,489 $ 38,000
Mecklenburg, North Carolina 145 $ 8,199,000 $ 56,544 $ 45,000
Palm Beach, Florida 144 $ 9,351,000 $ 64,937 $ 45,000
Camden, New Jersey 143 $ 8,738,000 $ 61,104 $ 46,000
Baltimore, Maryland 140 $ 11,587,000 $ 82,764 $ 49,000
Franklin, Ohio 133 $ 7,246,000 $ 54,481 $ 33,000
Suffolk, New York 128 $ 11,691,000 $ 91,335 $ 59,000
District of Columbia, District Of Columbia 127 $ 9,600,000 $ 75,590 $ 47,000
Caddo, Louisiana 127 $ 4,796,000 $ 37,763 $ 28,000
Jefferson, Louisiana 125 $ 6,204,000 $ 49,632 $ 33,000
Jackson, Oklahoma 124 $ 7,177,000 $ 57,879 $ 47,000
Lake, Indiana 122 $ 4,915,000 $ 40,286 $ 34,000
Wake, North Carolina 122 $ 10,180,000 $ 83,442 $ 37,000
Gwinnett, Georgia 120 $ 10,050,000 $ 83,750 $ 45,000
Hinds, Mississippi 120 $ 4,585,000 $ 38,208 $ 32,000
Kern, California 119 $ 8,519,000 $ 71,588 $ 33,000
Bell, Texas 118 $ 6,266,000 $ 53,101 $ 52,000
Pima, Arizona 116 $ 6,400,000 $ 55,172 $ 29,000
Hennepin, Minnesota 115 $ 6,847,000 $ 59,539 $ 44,000
Clayton, Georgia 114 $ 7,142,000 $ 62,649 $ 37,000
Montgomery, Alabama 113 $ 4,633,000 $ 41,000 $ 34,000
Lubbock, Texas 113 $ 4,818,000 $ 42,637 $ 46,000
Queens, New York 111 $ 15,685,000 $ 141,306 $ 43,000
Cobb, Georgia 108 $ 7,044,000 $ 65,222 $ 45,000
Delaware, Pennsylvania 108 $ 6,144,000 $ 56,888 $ 38,000
Volusia, Florida 107 $ 7,746,000 $ 72,392 $ 31,000
St. Louis City, Missouri 107 $ 4,799,000 $ 44,850 $ 34,000
East Baton Rouge, Louisiana 106 $ 5,533,000 $ 52,198 $ 25,000
Kings, New York 106 $ 15,665,000 $ 147,783 $ 56,000
Cumberland, North Carolina 106 $ 5,705,000 $ 53,820 $ 35,000
Virginia Beach, Virginia 106 $ 6,486,000 $ 61,188 $ 39,000
Caddo, Oklahoma 104 $ 5,667,000 $ 54,490 $ 43,000
Richmond, Georgia 103 $ 4,745,000 $ 46,067 $ 27,000
Seminole, Florida 100 $ 6,598,000 $ 65,980 $ 39,000
Jackson, Missouri 99 $ 4,390,000 $ 44,343 $ 35,000
Woodward, Oklahoma 96 $ 5,665,000 $ 59,010 $ 48,000
Grady, Oklahoma 94 $ 5,623,000 $ 59,819 $ 56,000
Muscogee, Georgia 93 $ 4,879,000 $ 52,462 $ 33,000
Pottawatomie, Oklahoma 93 $ 4,820,000 $ 51,827 $ 43,000
Fresno, California 92 $ 6,389,000 $ 69,445 $ 37,000
Burlington, New Jersey 92 $ 6,391,000 $ 69,467 $ 49,000
Davidson, Tennessee 91 $ 5,769,000 $ 63,395 $ 38,000
Denton, Texas 89 $ 5,383,000 $ 60,483 $ 55,000
Lee, Florida 88 $ 6,735,000 $ 76,534 $ 37,000
Richmond City, Virginia 84 $ 3,979,000 $ 47,369 $ 35,000
Pasco, Florida 80 $ 5,419,000 $ 67,737 $ 36,000
Fairfax, Virginia 79 $ 4,952,000 $ 62,683 $ 59,000
Hampton, Virginia 79 $ 4,799,000 $ 60,746 $ 56,000
Texas, Oklahoma 78 $ 4,828,000 $ 61,897 $ 39,000
Richland, South Carolina 78 $ 3,536,000 $ 45,333 $ 36,000
Salt Lake, Utah 78 $ 6,376,000 $ 81,743 $ 39,000
Mobile, Alabama 77 $ 3,091,000 $ 40,142 $ 49,000
El Paso, Colorado 76 $ 5,848,000 $ 76,947 $ 38,000
Escambia, Florida 76 $ 3,514,000 $ 46,236 $ 37,000
Collin, Texas 74 $ 5,229,000 $ 70,662 $ 47,000
Galveston, Texas 73 $ 3,514,000 $ 48,136 $ 64,000
Arapahoe, Colorado 72 $ 5,426,000 $ 75,361 $ 47,000
Henrico, Virginia 72 $ 4,668,000 $ 64,833 $ 36,000
Niagara, New York 71 $ 3,740,000 $ 52,676 $ 32,000
McLennan, Texas 71 $ 3,814,000 $ 53,718 $ 48,000
Madison, Alabama 70 $ 3,299,000 $ 47,128 $ 44,000
Atlantic, New Jersey 70 $ 4,690,000 $ 67,000 $ 45,000
Essex, New Jersey 70 $ 6,278,000 $ 89,685 $ 48,000
Bernalillo, New Mexico 70 $ 3,972,000 $ 56,742 $ 36,000
Williamson, Texas 70 $ 4,411,000 $ 63,014 $ 51,000
Chesterfield, Virginia 70 $ 4,608,000 $ 65,828 $ 34,000
Denver, Colorado 69 $ 4,531,000 $ 65,666 $ 27,000
Okaloosa, Florida 69 $ 3,693,000 $ 53,521 $ 46,000
New Castle, Delaware 68 $ 4,578,000 $ 67,323 $ 36,000
Sarasota, Florida 68 $ 5,227,000 $ 76,867 $ 34,000
Jefferson, Kentucky 68 $ 4,104,000 $ 60,352 $ 38,000
Summit, Ohio 68 $ 2,713,000 $ 39,897 $ 39,000
Gloucester, New Jersey 67 $ 5,571,000 $ 83,149 $ 49,000
San Diego, California 66 $ 5,035,000 $ 76,287 $ 49,000
Montgomery, Ohio 66 $ 3,346,000 $ 50,696 $ 40,000
Hamilton, Ohio 64 $ 4,016,000 $ 62,750 $ 27,000
Will, Illinois 63 $ 5,384,000 $ 85,460 $ 40,000
Oneida, New York 63 $ 3,292,000 $ 52,253 $ 32,000
Douglas, Nebraska 62 $ 3,387,000 $ 54,629 $ 35,000
Sacramento, California 61 $ 10,121,000 $ 165,918 $ 43,000
Montgomery, Maryland 61 $ 4,832,000 $ 79,213 $ 61,000
Chatham, Georgia 59 $ 3,312,000 $ 56,135 $ 31,000
Allen, Indiana 57 $ 3,630,000 $ 63,684 $ 36,000
Johnson, Indiana 57 $ 4,848,000 $ 85,052 $ 35,000
DeSoto, Mississippi 57 $ 3,230,000 $ 56,666 $ 29,000
Adams, Colorado 56 $ 4,565,000 $ 81,517 $ 33,000
Taylor, Texas 55 $ 2,115,000 $ 38,454 $ 37,000
Clay, Florida 54 $ 3,817,000 $ 70,685 $ 47,000
Osceola, Florida 54 $ 4,885,000 $ 90,462 $ 44,000
Polk, Iowa 54 $ 2,507,000 $ 46,425 $ 49,000
Jefferson, Texas 54 $ 2,140,000 $ 39,629 $ 33,000
Norfolk, Virginia 54 $ 3,555,000 $ 65,833 $ 48,000
Cumberland, New Jersey 53 $ 3,002,000 $ 56,641 $ 37,000
Montgomery, Pennsylvania 53 $ 4,098,000 $ 77,320 $ 43,000
Brazoria, Texas 53 $ 2,400,000 $ 45,283 $ 53,000
Lucas, Ohio 52 $ 2,452,000 $ 47,153 $ 45,000
Newport News, Virginia 52 $ 3,348,000 $ 64,384 $ 33,000
Marion, Florida 51 $ 2,518,000 $ 49,372 $ 26,000
Hartford, Connecticut 49 $ 4,180,000 $ 85,306 $ 39,000
Dougherty, Georgia 49 $ 2,690,000 $ 54,897 $ 32,000
York, Pennsylvania 49 $ 2,977,000 $ 60,755 $ 34,000
Milwaukee, Wisconsin 49 $ 2,424,000 $ 49,469 $ 25,000
Sebastian, Arkansas 48 $ 2,111,000 $ 43,979 $ 36,000
Leon, Florida 48 $ 2,656,000 $ 55,333 $ 36,000
Anne Arundel, Maryland 48 $ 3,611,000 $ 75,229 $ 40,000
Ocean, New Jersey 48 $ 4,138,000 $ 86,208 $ 47,000
Comanche, Oklahoma 48 $ 2,397,000 $ 49,937 $ 45,000
Lehigh, Pennsylvania 48 $ 2,980,000 $ 62,083 $ 29,000
Hamilton, Tennessee 48 $ 2,374,000 $ 49,458 $ 26,000
Jefferson, Arkansas 47 $ 1,773,000 $ 37,723 $ 36,000
Lake, Illinois 47 $ 3,734,000 $ 79,446 $ 31,000
Hancock, Indiana 47 $ 5,230,000 $ 111,276 $ 44,000
Albany, New York 47 $ 3,463,000 $ 73,680 $ 49,000
Durham, North Carolina 47 $ 2,952,000 $ 62,808 $ 27,000
Lorain, Ohio 47 $ 2,598,000 $ 55,276 $ 28,000
Rogers, Oklahoma 47 $ 3,667,000 $ 78,021 $ 49,000
Dauphin, Pennsylvania 47 $ 2,491,000 $ 53,000 $ 32,000
Gregg, Texas 47 $ 1,912,000 $ 40,680 $ 34,000
Wichita, Texas 47 $ 2,202,000 $ 46,851 $ 33,000
Honolulu, Hawaii 46 $ 3,494,000 $ 75,956 $ 48,000
Cameron, Texas 46 $ 1,586,000 $ 34,478 $ 42,000
Ector, Texas 46 $ 1,789,000 $ 38,891 $ 35,000
Hendricks, Indiana 45 $ 4,734,000 $ 105,200 $ 33,000
Bronx, New York 45 $ 5,042,000 $ 112,044 $ 43,000
Knox, Tennessee 45 $ 2,132,000 $ 47,377 $ 32,000
Schenectady, New York 44 $ 2,811,000 $ 63,886 $ 44,000
Smith, Texas 44 $ 2,133,000 $ 48,477 $ 33,000
Portsmouth, Virginia 44 $ 2,740,000 $ 62,272 $ 41,000
Tulare, California 43 $ 3,022,000 $ 70,279 $ 43,000
Wyandotte, Kansas 43 $ 1,693,000 $ 39,372 $ 35,000
Middlesex, New Jersey 43 $ 4,208,000 $ 97,860 $ 52,000
Onslow, North Carolina 43 $ 2,202,000 $ 51,209 $ 45,000
Custer, Oklahoma 43 $ 2,770,000 $ 64,418 $ 56,000
Berks, Pennsylvania 43 $ 2,052,000 $ 47,720 $ 42,000
Chesapeake, Virginia 43 $ 2,680,000 $ 62,325 $ 43,000
Alachua, Florida 42 $ 1,659,000 $ 39,500 $ 42,000
Union, New Jersey 42 $ 4,186,000 $ 99,666 $ 48,000
Cayuga, New York 42 $ 2,330,000 $ 55,476 $ 36,000
Washita, Oklahoma 42 $ 2,154,000 $ 51,285 $ 40,000
Jefferson, Colorado 41 $ 2,639,000 $ 64,365 $ 41,000
Kent, Michigan 41 $ 2,485,000 $ 60,609 $ 43,000
Charleston, South Carolina 41 $ 1,864,000 $ 45,463 $ 37,000
Potter, Texas 41 $ 1,612,000 $ 39,317 $ 23,000
Prince William, Virginia 41 $ 3,855,000 $ 94,024 $ 57,000
New Haven, Connecticut 40 $ 3,291,000 $ 82,275 $ 43,000
Winnebago, Illinois 40 $ 2,590,000 $ 64,750 $ 58,000
Coryell, Texas 40 $ 1,755,000 $ 43,875 $ 39,000
Grayson, Texas 40 $ 2,195,000 $ 54,875 $ 40,000
Bibb, Georgia 39 $ 1,603,000 $ 41,102 $ 42,000
Madison, Illinois 39 $ 1,707,000 $ 43,769 $ 45,000
St. Clair, Illinois 39 $ 2,040,000 $ 52,307 $ 56,000
Lancaster, Pennsylvania 39 $ 2,568,000 $ 65,846 $ 31,000
Montgomery, Texas 39 $ 2,338,000 $ 59,948 $ 47,000
Pierce, Washington 39 $ 2,442,000 $ 62,615 $ 39,000
Calhoun, Alabama 38 $ 1,895,000 $ 49,868 $ 35,000
St. Joseph, Indiana 38 $ 1,956,000 $ 51,473 $ 26,000
Lafayette, Louisiana 38 $ 2,578,000 $ 67,842 $ 32,000
St. Tammany, Louisiana 38 $ 2,789,000 $ 73,394 $ 30,000
Anoka, Minnesota 38 $ 2,009,000 $ 52,868 $ 43,000
Ramsey, Minnesota 38 $ 1,855,000 $ 48,815 $ 40,000
Lexington, South Carolina 38 $ 2,315,000 $ 60,921 $ 21,000
Rutherford, Tennessee 38 $ 3,183,000 $ 83,763 $ 32,000
Orange, California 37 $ 2,705,000 $ 73,108 $ 46,000
St. Lucie, Florida 37 $ 2,798,000 $ 75,621 $ 37,000
Henry, Georgia 37 $ 3,199,000 $ 86,459 $ 52,000
Harrison, Mississippi 37 $ 1,870,000 $ 50,540 $ 44,000
Bucks, Pennsylvania 37 $ 2,961,000 $ 80,027 $ 44,000
Montgomery, Tennessee 37 $ 2,055,000 $ 55,540 $ 32,000
Liberty, Georgia 36 $ 2,009,000 $ 55,805 $ 29,000
Oakland, Michigan 36 $ 2,769,000 $ 76,916 $ 31,000
Lauderdale, Mississippi 36 $ 1,727,000 $ 47,972 $ 40,000
Mercer, New Jersey 36 $ 2,880,000 $ 80,000 $ 45,000
Lake, Florida 35 $ 3,210,000 $ 91,714 $ 31,000
Fayette, Kentucky 35 $ 1,822,000 $ 52,057 $ 29,000
Broome, New York 35 $ 1,974,000 $ 56,400 $ 28,000
Nassau, New York 35 $ 3,283,000 $ 93,800 $ 53,000
Orange, New York 35 $ 2,938,000 $ 83,942 $ 51,000
McClain, Oklahoma 35 $ 2,290,000 $ 65,428 $ 60,000
Westmoreland, Pennsylvania 35 $ 1,556,000 $ 44,457 $ 23,000
Hidalgo, Texas 35 $ 1,460,000 $ 41,714 $ 59,000
Johnson, Texas 35 $ 1,655,000 $ 47,285 $ 55,000
Spokane, Washington 35 $ 1,609,000 $ 45,971 $ 25,000
Bay, Florida 34 $ 1,219,000 $ 35,852 $ 31,000
Hamilton, Indiana 34 $ 3,639,000 $ 107,029 $ 54,000
Rapides, Louisiana 34 $ 1,748,000 $ 51,411 $ 30,000
Oswego, New York 34 $ 1,756,000 $ 51,647 $ 43,000
Ellis, Texas 34 $ 1,856,000 $ 54,588 $ 35,000
Midland, Texas 34 $ 1,396,000 $ 41,058 $ 40,000
Crittenden, Arkansas 33 $ 1,404,000 $ 42,545 $ 29,000
Manatee, Florida 33 $ 1,863,000 $ 56,454 $ 37,000
Genesee, Michigan 33 $ 1,959,000 $ 59,363 $ 24,000
Logan, Oklahoma 33 $ 2,723,000 $ 82,515 $ 63,000
Washington, Oklahoma 33 $ 1,679,000 $ 50,878 $ 39,000
Webb, Texas 33 $ 1,589,000 $ 48,151 $ 29,000
Benton, Arkansas 32 $ 1,802,000 $ 56,312 $ 43,000
Howard, Indiana 32 $ 2,386,000 $ 74,562 $ 17,000
Hudson, New Jersey 32 $ 3,093,000 $ 96,656 $ 67,000
Forsyth, North Carolina 32 $ 2,364,000 $ 73,875 $ 24,000
Wagoner, Oklahoma 32 $ 2,327,000 $ 72,718 $ 51,000
Erie, Pennsylvania 32 $ 1,605,000 $ 50,156 $ 34,000
Randall, Texas 32 $ 1,476,000 $ 46,125 $ 30,000
Washington, Arkansas 31 $ 1,678,000 $ 54,129 $ 35,000
Charlotte, Florida 31 $ 2,106,000 $ 67,935 $ 37,000
Houston, Georgia 31 $ 1,497,000 $ 48,290 $ 39,000
Shawnee, Kansas 30 $ 1,169,000 $ 38,966 $ 30,000
Ouachita, Louisiana 30 $ 1,532,000 $ 51,066 $ 29,000
St. Bernard, Louisiana 30 $ 1,401,000 $ 46,700 $ 14,000
Ingham, Michigan 30 $ 1,226,000 $ 40,866 $ 32,000
Dakota, Minnesota 30 $ 1,465,000 $ 48,833 $ 52,000
Lowndes, Mississippi 30 $ 1,369,000 $ 45,633 $ 26,000
Sarpy, Nebraska 30 $ 2,189,000 $ 72,966 $ 34,000
Brazos, Texas 30 $ 2,175,000 $ 72,500 $ 35,000
Tom Green, Texas 30 $ 1,125,000 $ 37,500 $ 34,000
King, Washington 30 $ 2,128,000 $ 70,933 $ 47,000
Sangamon, Illinois 29 $ 1,473,000 $ 50,793 $ 30,000
Monmouth, New Jersey 29 $ 2,146,000 $ 74,000 $ 43,000
Creek, Oklahoma 29 $ 1,810,000 $ 62,413 $ 56,000
Multnomah, Oregon 29 $ 2,329,000 $ 80,310 $ 23,000
Yuma, Arizona 28 $ 1,803,000 $ 64,392 $ 31,000
Douglas, Georgia 28 $ 2,003,000 $ 71,535 $ 45,000
Worcester, Massachusetts 28 $ 2,582,000 $ 92,214 $ 38,000
Johnston, North Carolina 28 $ 2,517,000 $ 89,892 $ 65,000
Butler, Ohio 28 $ 1,675,000 $ 59,821 $ 61,000
Anchorage, Alaska 27 $ 2,252,000 $ 83,407 $ 62,000
Ada, Idaho 27 $ 1,319,000 $ 48,851 $ 40,000
Jackson, Mississippi 27 $ 1,534,000 $ 56,814 $ 35,000
Greenville, South Carolina 27 $ 1,477,000 $ 54,703 $ 43,000
Bowie, Texas 27 $ 902,000 $ 33,407 $ 25,000
Victoria, Texas 27 $ 1,340,000 $ 49,629 $ 32,000
Petersburg, Virginia 27 $ 1,199,000 $ 44,407 $ 29,000
Contra Costa, California 26 $ 1,978,000 $ 76,076 $ 30,000
Paulding, Georgia 26 $ 2,039,000 $ 78,423 $ 29,000
Kane, Illinois 26 $ 2,089,000 $ 80,346 $ 40,000
Macon, Illinois 26 $ 1,213,000 $ 46,653 $ 19,000
Scott, Iowa 26 $ 1,290,000 $ 49,615 $ 47,000
Calcasieu, Louisiana 26 $ 1,267,000 $ 48,730 $ 28,000
Charles, Maryland 26 $ 2,332,000 $ 89,692 $ 51,000
Jefferson, Missouri 26 $ 1,592,000 $ 61,230 $ 28,000
Saratoga, New York 26 $ 1,530,000 $ 58,846 $ 45,000
Gaston, North Carolina 26 $ 1,369,000 $ 52,653 $ 27,000
Berkeley, South Carolina 26 $ 1,429,000 $ 54,961 $ 20,000
San Patricio, Texas 26 $ 1,182,000 $ 45,461 $ 26,000
Pinal, Arizona 25 $ 2,033,000 $ 81,320 $ 51,000
Stanislaus, California 25 $ 2,024,000 $ 80,960 $ 30,000
New London, Connecticut 25 $ 2,284,000 $ 91,360 $ 50,000
Highlands, Florida 25 $ 1,621,000 $ 64,840 $ 34,000
DuPage, Illinois 25 $ 2,180,000 $ 87,200 $ 56,000
Rankin, Mississippi 25 $ 1,197,000 $ 47,880 $ 31,000
Lancaster, Nebraska 25 $ 1,570,000 $ 62,800 $ 34,000
Hillsborough, New Hampshire 25 $ 2,093,000 $ 83,720 $ 41,000
Ontario, New York 25 $ 1,335,000 $ 53,400 $ 43,000
Stark, Ohio 25 $ 1,231,000 $ 49,240 $ 26,000
Beaver, Pennsylvania 25 $ 1,175,000 $ 47,000 $ 37,000
Parker, Texas 25 $ 1,360,000 $ 54,400 $ 55,000
Kanawha, West Virginia 25 $ 1,185,000 $ 47,400 $ 44,000
Hernando, Florida 24 $ 1,627,000 $ 67,791 $ 20,000
Johnson, Kansas 24 $ 1,392,000 $ 58,000 $ 54,000
Macomb, Michigan 24 $ 1,705,000 $ 71,041 $ 52,000
Steuben, New York 24 $ 1,176,000 $ 49,000 $ 39,000
Northampton, Pennsylvania 24 $ 1,333,000 $ 55,541 $ 33,000
Saline, Arkansas 23 $ 1,091,000 $ 47,434 $ 28,000
Santa Rosa, Florida 23 $ 1,189,000 $ 51,695 $ 30,000
Cherokee, Georgia 23 $ 1,799,000 $ 78,217 $ 37,000
Lowndes, Georgia 23 $ 1,131,000 $ 49,173 $ 29,000
Madison, Indiana 23 $ 1,901,000 $ 82,652 $ 22,000
Woodbury, Iowa 23 $ 1,533,000 $ 66,652 $ 38,000
Terrebonne, Louisiana 23 $ 1,637,000 $ 71,173 $ 31,000
Greene, Missouri 23 $ 1,344,000 $ 58,434 $ 21,000
St. Charles, Missouri 23 $ 1,714,000 $ 74,521 $ 35,000
Madison, New York 23 $ 1,247,000 $ 54,217 $ 38,000
Butler, Kansas 22 $ 1,288,000 $ 58,545 $ 29,000
Harford, Maryland 22 $ 1,790,000 $ 81,363 $ 48,000
Hampden, Massachusetts 22 $ 1,790,000 $ 81,363 $ 35,000
Chautauqua, New York 22 $ 1,032,000 $ 46,909 $ 25,000
Rensselaer, New York 22 $ 1,299,000 $ 59,045 $ 32,000
Snohomish, Washington 22 $ 1,688,000 $ 76,727 $ 23,000
Morgan, Alabama 21 $ 1,013,000 $ 48,238 $ 32,000
Mississippi, Arkansas 21 $ 678,000 $ 32,285 $ 39,000
Rockdale, Georgia 21 $ 1,673,000 $ 79,666 $ 46,000
Bossier, Louisiana 21 $ 971,000 $ 46,238 $ 42,000
Livingston, Louisiana 21 $ 1,431,000 $ 68,142 $ 25,000
Kalamazoo, Michigan 21 $ 1,210,000 $ 57,619 $ 30,000
Wayne, New York 21 $ 1,031,000 $ 49,095 $ 34,000
Pitt, North Carolina 21 $ 1,294,000 $ 61,619 $ 34,000
Lincoln, Oklahoma 21 $ 1,044,000 $ 49,714 $ 50,000
Cumberland, Pennsylvania 21 $ 1,408,000 $ 67,047 $ 39,000
Guadalupe, Texas 21 $ 940,000 $ 44,761 $ 54,000
Houston, Alabama 20 $ 926,000 $ 46,300 $ 22,000
Alameda, California 20 $ 871,000 $ 43,550 $ 38,000
Carroll, Georgia 20 $ 1,186,000 $ 59,300 $ 30,000
Berrien, Michigan 20 $ 1,159,000 $ 57,950 $ 12,000
Clay, Missouri 20 $ 1,112,000 $ 55,600 $ 26,000
Kay, Oklahoma 20 $ 749,000 $ 37,450 $ 38,000
Payne, Oklahoma 20 $ 1,542,000 $ 77,100 $ 52,000
Luzerne, Pennsylvania 20 $ 937,000 $ 46,850 $ 37,000
Aiken, South Carolina 20 $ 862,000 $ 43,100 $ 20,000
Dorchester, South Carolina 20 $ 1,075,000 $ 53,750 $ 75,000
Hays, Texas 20 $ 1,270,000 $ 63,500 $ 37,000
Coffee, Alabama 19 $ 915,000 $ 48,157 $ 38,000
Linn, Iowa 19 $ 518,000 $ 27,263 $ 14,000
Geary, Kansas 19 $ 890,000 $ 46,842 $ 27,000
Christian, Kentucky 19 $ 1,084,000 $ 57,052 $ 26,000
Frederick, Maryland 19 $ 1,924,000 $ 101,263 $ 45,000
Richmond, New York 19 $ 1,569,000 $ 82,578 $ 38,000
Union, North Carolina 19 $ 1,306,000 $ 68,736 $ 48,000
Mahoning, Ohio 19 $ 873,000 $ 45,947 $ 32,000
Providence, Rhode Island 19 $ 1,484,000 $ 78,105 $ 58,000
Bradley, Tennessee 19 $ 1,038,000 $ 54,631 $ 10,000
Harrison, Texas 19 $ 898,000 $ 47,263 $ 36,000
Orange, Texas 19 $ 636,000 $ 33,473 $ 36,000
Craighead, Arkansas 18 $ 904,000 $ 50,222 $ 20,000
Garland, Arkansas 18 $ 1,136,000 $ 63,111 $ 40,000
Kings, California 18 $ 1,119,000 $ 62,166 $ 49,000
Solano, California 18 $ 1,416,000 $ 78,666 $ 117,000
Morgan, Indiana 18 $ 1,724,000 $ 95,777 $ 45,000
Pottawattamie, Iowa 18 $ 976,000 $ 54,222 $ 27,000
Muskegon, Michigan 18 $ 698,000 $ 38,777 $ 11,000
Pulaski, Missouri 18 $ 1,215,000 $ 67,500 $ 42,000
Trumbull, Ohio 18 $ 715,000 $ 39,722 $ 34,000
Le Flore, Oklahoma 18 $ 1,009,000 $ 56,055 $ 34,000
Chester, Pennsylvania 18 $ 1,792,000 $ 99,555 $ 61,000
Spartanburg, South Carolina 18 $ 865,000 $ 48,055 $ 27,000
Sumter, South Carolina 18 $ 1,150,000 $ 63,888 $ 42,000
Roanoke City, Virginia 18 $ 907,000 $ 50,388 $ 26,000
Spotsylvania, Virginia 18 $ 1,913,000 $ 106,277 $ 57,000
Crawford, Arkansas 17 $ 724,000 $ 42,588 $ 22,000
Faulkner, Arkansas 17 $ 897,000 $ 52,764 $ 20,000
Litchfield, Connecticut 17 $ 1,224,000 $ 72,000 $ 33,000
Citrus, Florida 17 $ 1,292,000 $ 76,000 $ 56,000
Columbia, Georgia 17 $ 1,019,000 $ 59,941 $ 33,000
Vanderburgh, Indiana 17 $ 1,025,000 $ 60,294 $ 15,000
St. John the Baptist, Louisiana 17 $ 1,175,000 $ 69,117 $ 43,000
New Hanover, North Carolina 17 $ 1,040,000 $ 61,176 $ 35,000
Lake, Ohio 17 $ 1,205,000 $ 70,882 $ 25,000
Ottawa, Oklahoma 17 $ 997,000 $ 58,647 $ 34,000
Comal, Texas 17 $ 1,050,000 $ 61,764 $ 59,000
Hunt, Texas 17 $ 758,000 $ 44,588 $ 44,000
Miller, Arkansas 16 $ 433,000 $ 27,062 $ 17,000
Pope, Arkansas 16 $ 610,000 $ 38,125 $ 46,000
San Joaquin, California 16 $ 1,359,000 $ 84,937 $ 51,000
Pueblo, Colorado 16 $ 1,084,000 $ 67,750 $ 14,000
Floyd, Georgia 16 $ 776,000 $ 48,500 $ 23,000
Buchanan, Missouri 16 $ 698,000 $ 43,625 $ 18,000
Yellowstone, Montana 16 $ 841,000 $ 52,562 $ 35,000
Warren, New Jersey 16 $ 1,390,000 $ 86,875 $ 45,000
Dona Ana, New Mexico 16 $ 912,000 $ 57,000 $ 32,000
Cattaraugus, New York 16 $ 803,000 $ 50,187 $ 20,000
Dutchess, New York 16 $ 1,282,000 $ 80,125 $ 28,000
Fulton, New York 16 $ 672,000 $ 42,000 $ 18,000
Ulster, New York 16 $ 1,177,000 $ 73,562 $ 34,000
Washington, Pennsylvania 16 $ 914,000 $ 57,125 $ 35,000
Anderson, South Carolina 16 $ 953,000 $ 59,562 $ 22,000
Florence, South Carolina 16 $ 847,000 $ 52,937 $ 27,000
Madison, Tennessee 16 $ 828,000 $ 51,750 $ 12,000
Clark, Washington 16 $ 725,000 $ 45,312 $ 30,000
White, Arkansas 15 $ 932,000 $ 62,133 $ 39,000
Santa Clara, California 15 $ 13,951,000 $ 930,066 $ 57,000
Kent, Delaware 15 $ 700,000 $ 46,666 $ 45,000
Putnam, Florida 15 $ 650,000 $ 43,333 $ 29,000
Barrow, Georgia 15 $ 1,287,000 $ 85,800 $ 43,000
Porter, Indiana 15 $ 1,052,000 $ 70,133 $ 26,000
Tippecanoe, Indiana 15 $ 980,000 $ 65,333 $ 18,000
Ford, Kansas 15 $ 629,000 $ 41,933 $ 14,000
Saginaw, Michigan 15 $ 630,000 $ 42,000 $ 0
Washington, Mississippi 15 $ 531,000 $ 35,400 $ 45,000
Washoe, Nevada 15 $ 1,226,000 $ 81,733 $ 54,000
Livingston, New York 15 $ 798,000 $ 53,200 $ 25,000
Wayne, North Carolina 15 $ 645,000 $ 43,000 $ 25,000
Licking, Ohio 15 $ 1,006,000 $ 67,066 $ 42,000
Pike, Pennsylvania 15 $ 1,342,000 $ 89,466 $ 50,000
Tipton, Tennessee 15 $ 911,000 $ 60,733 $ 23,000
Stafford, Virginia 15 $ 1,025,000 $ 68,333 $ 50,000
Berkeley, West Virginia 15 $ 1,338,000 $ 89,200 $ 59,000
Cochise, Arizona 14 $ 693,000 $ 49,500 $ 19,000
Lonoke, Arkansas 14 $ 689,000 $ 49,214 $ 23,000
Union, Arkansas 14 $ 378,000 $ 27,000 $ 16,000
Madera, California 14 $ 752,000 $ 53,714 $ 25,000
Kankakee, Illinois 14 $ 689,000 $ 49,214 $ 22,000
St. Mary's, Maryland 14 $ 1,031,000 $ 73,642 $ 37,000
Plymouth, Massachusetts 14 $ 1,261,000 $ 90,071 $ 44,000
Warren, Mississippi 14 $ 477,000 $ 34,071 $ 39,000
Sandoval, New Mexico 14 $ 970,000 $ 69,285 $ 41,000
Cabarrus, North Carolina 14 $ 1,026,000 $ 73,285 $ 16,000
Craven, North Carolina 14 $ 637,000 $ 45,500 $ 33,000
Franklin, Pennsylvania 14 $ 1,159,000 $ 82,785 $ 48,000
Sumner, Tennessee 14 $ 683,000 $ 48,785 $ 35,000
Weber, Utah 14 $ 893,000 $ 63,785 $ 39,000
Gloucester, Virginia 14 $ 902,000 $ 64,428 $ 29,000
Baldwin, Alabama 13 $ 939,000 $ 72,230 $ 39,000
Dale, Alabama 13 $ 641,000 $ 49,307 $ 48,000
Limestone, Alabama 13 $ 701,000 $ 53,923 $ 10,000
Shelby, Alabama 13 $ 987,000 $ 75,923 $ 41,000
Camden, Georgia 13 $ 634,000 $ 48,769 $ 29,000
Gordon, Georgia 13 $ 1,032,000 $ 79,384 $ 3,000
Walker, Georgia 13 $ 647,000 $ 49,769 $ 27,000
Whitfield, Georgia 13 $ 693,000 $ 53,307 $ 24,000
Hawaii, Hawaii 13 $ 1,170,000 $ 90,000 $ 40,000
Williamson, Illinois 13 $ 464,000 $ 35,692 $ 30,000
Riley, Kansas 13 $ 776,000 $ 59,692 $ 16,000
Washington, Maryland 13 $ 743,000 $ 57,153 $ 35,000
Essex, Massachusetts 13 $ 1,951,000 $ 150,076 $ 29,000
Clay, Minnesota 13 $ 592,000 $ 45,538 $ 25,000
Jasper, Missouri 13 $ 740,000 $ 56,923 $ 10,000
Rockingham, New Hampshire 13 $ 864,000 $ 66,461 $ 49,000
Bergen, New Jersey 13 $ 1,428,000 $ 109,846 $ 40,000
Somerset, New Jersey 13 $ 1,379,000 $ 106,076 $ 44,000
Chemung, New York 13 $ 526,000 $ 40,461 $ 29,000
Orleans, New York 13 $ 602,000 $ 46,307 $ 20,000
St. Lawrence, New York 13 $ 425,000 $ 32,692 $ 58,000
Westchester, New York 13 $ 1,233,000 $ 94,846 $ 55,000
Alamance, North Carolina 13 $ 1,047,000 $ 80,538 $ 56,000
Davidson, North Carolina 13 $ 725,000 $ 55,769 $ 20,000
Harnett, North Carolina 13 $ 923,000 $ 71,000 $ 43,000
Pasquotank, North Carolina 13 $ 719,000 $ 55,307 $ 38,000
Randolph, North Carolina 13 $ 1,104,000 $ 84,923 $ 12,000
Cass, North Dakota 13 $ 777,000 $ 59,769 $ 41,000
Clark, Ohio 13 $ 735,000 $ 56,538 $ 34,000
Clermont, Ohio 13 $ 706,000 $ 54,307 $ 28,000
Portage, Ohio 13 $ 529,000 $ 40,692 $ 28,000
Warren, Ohio 13 $ 1,008,000 $ 77,538 $ 34,000
Monroe, Pennsylvania 13 $ 1,185,000 $ 91,153 $ 42,000
Horry, South Carolina 13 $ 830,000 $ 63,846 $ 35,000
Wilson, Tennessee 13 $ 942,000 $ 72,461 $ 52,000
Jim Wells, Texas 13 $ 603,000 $ 46,384 $ 34,000
Arlington, Virginia 13 $ 1,214,000 $ 93,384 $ 40,000
Etowah, Alabama 12 $ 402,000 $ 33,500 $ 13,000
Walton, Georgia 12 $ 887,000 $ 73,916 $ 29,000
Maui, Hawaii 12 $ 3,146,000 $ 262,166 $ 137,000
Champaign, Illinois 12 $ 640,000 $ 53,333 $ 41,000
McHenry, Illinois 12 $ 1,259,000 $ 104,916 $ 29,000
Rock Island, Illinois 12 $ 450,000 $ 37,500 $ 15,000
LaPorte, Indiana 12 $ 783,000 $ 65,250 $ 25,000
Leavenworth, Kansas 12 $ 547,000 $ 45,583 $ 12,000
Reno, Kansas 12 $ 419,000 $ 34,916 $ 16,000
Kenton, Kentucky 12 $ 838,000 $ 69,833 $ 36,000
Ascension, Louisiana 12 $ 915,000 $ 76,250 $ 23,000
Howard, Maryland 12 $ 1,103,000 $ 91,916 $ 58,000
Berkshire, Massachusetts 12 $ 769,000 $ 64,083 $ 41,000
St. Louis, Minnesota 12 $ 442,000 $ 36,833 $ 24,000
Sussex, New Jersey 12 $ 1,266,000 $ 105,500 $ 49,000
Franklin, New York 12 $ 580,000 $ 48,333 $ 25,000
Genesee, New York 12 $ 551,000 $ 45,916 $ 20,000
Jefferson, New York 12 $ 621,000 $ 51,750 $ 43,000
Wyoming, New York 12 $ 647,000 $ 53,916 $ 31,000
Greene, Ohio 12 $ 874,000 $ 72,833 $ 31,000
Medina, Ohio 12 $ 880,000 $ 73,333 $ 34,000
Harper, Oklahoma 12 $ 565,000 $ 47,083 $ 43,000
Muskogee, Oklahoma 12 $ 736,000 $ 61,333 $ 15,000
Osage, Oklahoma 12 $ 731,000 $ 60,916 $ 47,000
Sequoyah, Oklahoma 12 $ 640,000 $ 53,333 $ 25,000
Washington, Oregon 12 $ 1,220,000 $ 101,666 $ 39,000
Lebanon, Pennsylvania 12 $ 759,000 $ 63,250 $ 35,000
Bastrop, Texas 12 $ 519,000 $ 43,250 $ 30,000
Val Verde, Texas 12 $ 442,000 $ 36,833 $ 52,000
Davis, Utah 12 $ 1,026,000 $ 85,500 $ 41,000
Caroline, Virginia 12 $ 753,000 $ 62,750 $ 26,000
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Mortgage Loan Application Detail Totals for Midfirst Bank in 2005

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 19,848 $1,320,805,000 $70,549 $1,200,000 $39,392 $1,487,000
Home Purchase 14,108 $795,674,000 $58,490 $13,460,000 $11,764 $9,200,000
Home Improvement 3,340 $209,995,000 $63,137 $17,600,000 $60,098 $1,800,000

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
Not applicable 13,730 $750,912,000 $58,254 $17,600,000 $3,411 $9,200,000
White 13,255 $886,428,000 $68,156 $1,000,000 $49,470 $1,800,000
Black or African American 4,805 $318,224,000 $69,577 $403,000 $44,044 $360,000
Not Provided 2,494 $163,365,000 $64,196 $1,742,000 $37,176 $566,000
Hispanic 2,468 $163,807,000 $70,444 $387,000 $37,266 $960,000
American Indian or Alaskan Native 245 $20,658,000 $101,358 $4,300,000 $47,512 $1,056,000
Asian 225 $16,211,000 $73,437 $360,000 $52,625 $217,000
Native Hawaiian or Other Pacific Islander 74 $6,869,000 $79,208 $368,000 $54,291 $576,000

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
FHA-insured (Federal Housing Administration) 22,314 $1,233,877,000 $57,705 $433,000 $24,117 $728,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 8,953 $789,522,000 $83,803 $17,600,000 $59,098 $9,200,000
VA-guaranteed (Veterans Administration) 5,914 $296,662,000 $57,666 $251,000 $29,901 $1,032,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 115 $6,413,000 $56,666 $162,000 $300 $36,000

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 Purchased By The Institution 13,707 $676,121,000 $51,764 $500,000 $78 $362,000
Loan Originated 9,172 $703,032,000 $76,372 $17,600,000 $50,686 $9,200,000
Application Denied By Financial Institution 7,466 $492,730,000 $68,313 $4,300,000 $48,294 $1,800,000
File Closed For Incompleteness 3,716 $222,536,000 $62,450 $268,000 $29,568 $960,000
Application Withdrawn By Applicant 2,797 $205,028,000 $75,680 $650,000 $43,160 $1,800,000
Application Approved But Not Accepted 438 $27,027,000 $61,450 $248,000 $37,475 $728,000
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
Other 2,293 $155,385,000 $72,020 $463,000 $38,900 $720,000
Credit History 1,959 $132,065,000 $74,458 $4,300,000 $54,166 $600,000
Credit Application Incomplete 1,940 $121,326,000 $62,820 $393,000 $51,980 $1,800,000
Debt-To-Income Ratio 760 $50,286,000 $67,326 $665,000 $47,836 $260,000
Collateral 327 $20,768,000 $69,106 $313,000 $58,765 $248,000
Insufficient Cash (Downpayment, Closing Cost) 118 $8,253,000 $69,266 $230,000 $34,266 $134,000
Unverifiable Information 46 $3,165,000 $62,478 $375,000 $38,739 $150,000
Employment History 23 $1,482,000 $62,750 $162,000 $48,416 $95,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Midfirst Bank's 2005 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 Midfirst 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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