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Act (HMDA) records Midfirst Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma City, OK | 1,848 | $ 142,183,000 | $ 76,938 | $ 60,000 |
| Houston-Baytown-Sugar Land, TX | 1,234 | $ 59,275,000 | $ 48,034 | $ 51,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,015 | $ 72,947,000 | $ 71,868 | $ 40,000 |
| Dallas-Plano-Irving, TX | 1,014 | $ 53,185,000 | $ 52,450 | $ 44,000 |
| San Antonio, TX | 688 | $ 30,039,000 | $ 43,661 | $ 48,000 |
| Chicago-Naperville-Joliet, IL | 669 | $ 44,484,000 | $ 66,493 | $ 39,000 |
| Fort Worth-Arlington, TX | 659 | $ 30,767,000 | $ 46,687 | $ 47,000 |
| Philadelphia, PA | 642 | $ 35,271,000 | $ 54,939 | $ 42,000 |
| Indianapolis, IN | 601 | $ 52,701,000 | $ 87,688 | $ 36,000 |
| Tampa-St. Petersburg-Clearwater, FL | 574 | $ 37,441,000 | $ 65,228 | $ 40,000 |
| New Orleans-Metairie-Kenner, LA | 542 | $ 27,144,000 | $ 50,081 | $ 34,000 |
| Tulsa, OK | 524 | $ 40,058,000 | $ 76,446 | $ 50,000 |
| Orlando, FL | 503 | $ 37,690,000 | $ 74,930 | $ 37,000 |
| Baltimore-Towson, MD | 475 | $ 30,463,000 | $ 64,132 | $ 44,000 |
| Memphis, TN-MS-AR | 473 | $ 23,890,000 | $ 50,507 | $ 38,000 |
| Phoenix-Mesa-Scottsdale, AZ | 455 | $ 57,845,000 | $ 127,131 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 430 | $ 27,879,000 | $ 64,834 | $ 42,000 |
| El Paso, TX | 409 | $ 17,647,000 | $ 43,146 | $ 34,000 |
| Buffalo-Niagara Falls, NY | 402 | $ 20,276,000 | $ 50,437 | $ 39,000 |
| Riverside-San Bernardino-Ontario, CA | 396 | $ 29,472,000 | $ 74,424 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 385 | $ 24,521,000 | $ 63,690 | $ 31,000 |
| St. Louis, MO-IL | 385 | $ 23,309,000 | $ 60,542 | $ 34,000 |
| Rochester, NY | 349 | $ 17,600,000 | $ 50,429 | $ 35,000 |
| Jacksonville, FL | 345 | $ 19,159,000 | $ 55,533 | $ 43,000 |
| Richmond, VA | 328 | $ 19,487,000 | $ 59,411 | $ 32,000 |
| New York-Wayne-White Plains, NY-NJ | 310 | $ 48,460,000 | $ 156,322 | $ 48,000 |
| Camden, NJ | 302 | $ 20,700,000 | $ 68,543 | $ 48,000 |
| Pittsburgh, PA | 295 | $ 13,825,000 | $ 46,864 | $ 38,000 |
| Cleveland-Elyria-Mentor, OH | 293 | $ 16,357,000 | $ 55,825 | $ 35,000 |
| Los Angeles-Long Beach-Glendale, CA | 289 | $ 23,634,000 | $ 81,778 | $ 47,000 |
| Austin-Round Rock, TX | 286 | $ 16,049,000 | $ 56,115 | $ 49,000 |
| Syracuse, NY | 286 | $ 15,618,000 | $ 54,608 | $ 37,000 |
| Birmingham-Hoover, AL | 262 | $ 12,538,000 | $ 47,854 | $ 35,000 |
| Denver-Aurora, CO | 259 | $ 19,107,000 | $ 73,772 | $ 36,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 258 | $ 14,689,000 | $ 56,934 | $ 42,000 |
| Little Rock-North Little Rock, AR | 241 | $ 10,928,000 | $ 45,344 | $ 39,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 236 | $ 15,192,000 | $ 64,372 | $ 39,000 |
| Detroit-Livonia-Dearborn, MI | 224 | $ 8,816,000 | $ 39,357 | $ 37,000 |
| Las Vegas-Paradise, NV | 215 | $ 15,644,000 | $ 72,762 | $ 44,000 |
| Corpus Christi, TX | 209 | $ 9,419,000 | $ 45,066 | $ 43,000 |
| Charlotte-Gastonia-Concord, NC-SC | 206 | $ 11,998,000 | $ 58,242 | $ 39,000 |
| Wichita, KS | 185 | $ 9,612,000 | $ 51,956 | $ 35,000 |
| Columbus, OH | 176 | $ 10,060,000 | $ 57,159 | $ 41,000 |
| Greensboro-High Point, NC | 174 | $ 11,429,000 | $ 65,683 | $ 25,000 |
| Nashville-Davidson--Murfreesboro, TN | 173 | $ 11,756,000 | $ 67,953 | $ 37,000 |
| Lakeland, FL | 169 | $ 11,313,000 | $ 66,940 | $ 32,000 |
| Nassau-Suffolk, NY | 163 | $ 14,974,000 | $ 91,865 | $ 57,000 |
| Killeen-Temple-Fort Hood, TX | 162 | $ 8,251,000 | $ 50,932 | $ 46,000 |
| Raleigh-Cary, NC | 156 | $ 13,251,000 | $ 84,942 | $ 45,000 |
| Jackson, MS | 154 | $ 6,159,000 | $ 39,993 | $ 30,000 |
| Baton Rouge, LA | 151 | $ 8,696,000 | $ 57,589 | $ 25,000 |
| Shreveport-Bossier City, LA | 151 | $ 5,896,000 | $ 39,046 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 149 | $ 9,679,000 | $ 64,959 | $ 40,000 |
| Gary, IN | 146 | $ 6,537,000 | $ 44,773 | $ 32,000 |
| Albany-Schenectady-Troy, NY | 144 | $ 9,288,000 | $ 64,500 | $ 43,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 144 | $ 9,351,000 | $ 64,937 | $ 45,000 |
| Kansas City, MO-KS | 137 | $ 6,900,000 | $ 50,364 | $ 32,000 |
| Newark-Union, NJ-PA | 137 | $ 12,827,000 | $ 93,627 | $ 50,000 |
| Edison, NJ | 133 | $ 11,871,000 | $ 89,255 | $ 47,000 |
| Montgomery, AL | 133 | $ 5,751,000 | $ 43,240 | $ 31,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 127 | $ 9,600,000 | $ 75,590 | $ 47,000 |
| Cincinnati-Middletown, OH-KY-IN | 124 | $ 7,712,000 | $ 62,193 | $ 37,000 |
| Augusta-Richmond County, GA-SC | 123 | $ 5,939,000 | $ 48,284 | $ 29,000 |
| Columbia, SC | 122 | $ 6,208,000 | $ 50,885 | $ 30,000 |
| Bakersfield, CA | 119 | $ 8,519,000 | $ 71,588 | $ 33,000 |
| Tucson, AZ | 116 | $ 6,400,000 | $ 55,172 | $ 29,000 |
| Lubbock, TX | 113 | $ 4,818,000 | $ 42,637 | $ 46,000 |
| Fayetteville, NC | 112 | $ 6,048,000 | $ 54,000 | $ 33,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 107 | $ 7,746,000 | $ 72,392 | $ 31,000 |
| Sarasota-Bradenton-Venice, FL | 101 | $ 7,090,000 | $ 70,198 | $ 35,000 |
| Pensacola-Ferry Pass-Brent, FL | 99 | $ 4,703,000 | $ 47,505 | $ 35,000 |
| Omaha-Council Bluffs, NE-IA | 96 | $ 5,771,000 | $ 60,114 | $ 38,000 |
| Columbus, GA-AL | 95 | $ 5,046,000 | $ 53,115 | $ 34,000 |
| Fresno, CA | 92 | $ 6,389,000 | $ 69,445 | $ 37,000 |
| Dayton, OH | 91 | $ 4,966,000 | $ 54,571 | $ 30,000 |
| Albuquerque, NM | 89 | $ 5,209,000 | $ 58,528 | $ 39,000 |
| Cape Coral-Fort Myers, FL | 88 | $ 6,735,000 | $ 76,534 | $ 37,000 |
| Louisville, KY-IN | 88 | $ 5,161,000 | $ 58,647 | $ 36,000 |
| Charleston-North Charleston, SC | 87 | $ 4,368,000 | $ 50,206 | $ 41,000 |
| Huntsville, AL | 83 | $ 4,000,000 | $ 48,192 | $ 35,000 |
| Salt Lake City, UT | 82 | $ 6,614,000 | $ 80,658 | $ 37,000 |
| Akron, OH | 81 | $ 3,242,000 | $ 40,024 | $ 36,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 80 | $ 4,742,000 | $ 59,275 | $ 33,000 |
| Bethesda-Frederick-Gaithersburg, MD | 80 | $ 6,756,000 | $ 84,450 | $ 57,000 |
| Colorado Springs, CO | 80 | $ 6,129,000 | $ 76,612 | $ 38,000 |
| Beaumont-Port Arthur, TX | 78 | $ 3,110,000 | $ 39,871 | $ 32,000 |
| Mobile, AL | 77 | $ 3,091,000 | $ 40,142 | $ 49,000 |
| Savannah, GA | 74 | $ 4,517,000 | $ 61,040 | $ 42,000 |
| Amarillo, TX | 73 | $ 3,088,000 | $ 42,301 | $ 26,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 72 | $ 10,551,000 | $ 146,541 | $ 39,000 |
| Harrisburg-Carlisle, PA | 71 | $ 4,092,000 | $ 57,633 | $ 33,000 |
| Waco, TX | 71 | $ 3,814,000 | $ 53,718 | $ 48,000 |
| Atlantic City, NJ | 70 | $ 4,690,000 | $ 67,000 | $ 45,000 |
| Utica-Rome, NY | 70 | $ 3,584,000 | $ 51,200 | $ 31,000 |
| Fort Walton Beach-Crestview-Destin, FL | 69 | $ 3,693,000 | $ 53,521 | $ 46,000 |
| Longview, TX | 68 | $ 2,859,000 | $ 42,044 | $ 29,000 |
| Wilmington, DE-MD-NJ | 68 | $ 4,578,000 | $ 67,323 | $ 36,000 |
| Fort Smith, AR-OK | 67 | $ 2,885,000 | $ 43,059 | $ 31,000 |
| San Diego-Carlsbad-San Marcos, CA | 66 | $ 5,035,000 | $ 76,287 | $ 49,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 64 | $ 3,570,000 | $ 55,781 | $ 37,000 |
| Warren-Farmington Hills-Troy, MI | 63 | $ 4,634,000 | $ 73,555 | $ 40,000 |
| Des Moines, IA | 62 | $ 3,073,000 | $ 49,564 | $ 52,000 |
| Abilene, TX | 61 | $ 2,349,000 | $ 38,508 | $ 34,000 |
| Fort Wayne, IN | 61 | $ 3,879,000 | $ 63,590 | $ 32,000 |
| Hartford-West Hartford-East Hartford, CT | 61 | $ 5,490,000 | $ 90,000 | $ 50,000 |
| Toledo, OH | 58 | $ 3,052,000 | $ 52,620 | $ 36,000 |
| Knoxville, TN | 56 | $ 2,660,000 | $ 47,500 | $ 35,000 |
| Milwaukee-Waukesha-West Allis, WI | 56 | $ 3,280,000 | $ 58,571 | $ 29,000 |
| Albany, GA | 54 | $ 2,990,000 | $ 55,370 | $ 26,000 |
| Tallahassee, FL | 53 | $ 2,956,000 | $ 55,773 | $ 35,000 |
| Vineland-Millville-Bridgeton, NJ | 53 | $ 3,002,000 | $ 56,641 | $ 37,000 |
| Seattle-Bellevue-Everett, WA | 52 | $ 3,816,000 | $ 73,384 | $ 37,000 |
| Chattanooga, TN-GA | 51 | $ 2,522,000 | $ 49,450 | $ 22,000 |
| Durham, NC | 51 | $ 3,147,000 | $ 61,705 | $ 29,000 |
| Ocala, FL | 51 | $ 2,518,000 | $ 49,372 | $ 26,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 51 | $ 4,220,000 | $ 82,745 | $ 44,000 |
| Grand Rapids-Wyoming, MI | 50 | $ 3,083,000 | $ 61,660 | $ 36,000 |
| Pine Bluff, AR | 50 | $ 1,890,000 | $ 37,800 | $ 34,000 |
| Portland-Vancouver-Beaverton, OR-WA | 50 | $ 4,192,000 | $ 83,840 | $ 39,000 |
| York-Hanover, PA | 49 | $ 2,977,000 | $ 60,755 | $ 34,000 |
| Lawton, OK | 48 | $ 2,397,000 | $ 49,937 | $ 45,000 |
| Wichita Falls, TX | 48 | $ 2,239,000 | $ 46,645 | $ 31,000 |
| Lake County-Kenosha County, IL-WI | 47 | $ 3,734,000 | $ 79,446 | $ 31,000 |
| Brownsville-Harlingen, TX | 46 | $ 1,586,000 | $ 34,478 | $ 42,000 |
| Honolulu, HI | 46 | $ 3,494,000 | $ 75,956 | $ 48,000 |
| Lexington-Fayette, KY | 46 | $ 2,299,000 | $ 49,978 | $ 29,000 |
| Oakland-Fremont-Hayward, CA | 46 | $ 2,849,000 | $ 61,934 | $ 33,000 |
| Odessa, TX | 46 | $ 1,789,000 | $ 38,891 | $ 35,000 |
| Port St. Lucie-Fort Pierce, FL | 46 | $ 3,672,000 | $ 79,826 | $ 34,000 |
| Binghamton, NY | 45 | $ 2,632,000 | $ 58,488 | $ 34,000 |
| Gainesville, FL | 45 | $ 1,956,000 | $ 43,466 | $ 36,000 |
| Macon, GA | 45 | $ 1,857,000 | $ 41,266 | $ 36,000 |
| Rockford, IL | 45 | $ 3,021,000 | $ 67,133 | $ 54,000 |
| Gulfport-Biloxi, MS | 44 | $ 2,228,000 | $ 50,636 | $ 35,000 |
| Tyler, TX | 44 | $ 2,133,000 | $ 48,477 | $ 33,000 |
| Jacksonville, NC | 43 | $ 2,202,000 | $ 51,209 | $ 45,000 |
| Reading, PA | 43 | $ 2,052,000 | $ 47,720 | $ 42,000 |
| Visalia-Porterville, CA | 43 | $ 3,022,000 | $ 70,279 | $ 43,000 |
| Lafayette, LA | 41 | $ 2,802,000 | $ 68,341 | $ 30,000 |
| Greenville, SC | 40 | $ 1,955,000 | $ 48,875 | $ 35,000 |
| New Haven-Milford, CT | 40 | $ 3,291,000 | $ 82,275 | $ 43,000 |
| Sherman-Denison, TX | 40 | $ 2,195,000 | $ 54,875 | $ 40,000 |
| Hinesville-Fort Stewart, GA | 39 | $ 2,131,000 | $ 54,641 | $ 30,000 |
| Lancaster, PA | 39 | $ 2,568,000 | $ 65,846 | $ 31,000 |
| Tacoma, WA | 39 | $ 2,442,000 | $ 62,615 | $ 39,000 |
| Anniston-Oxford, AL | 38 | $ 1,895,000 | $ 49,868 | $ 35,000 |
| Boise City-Nampa, ID | 38 | $ 1,816,000 | $ 47,789 | $ 31,000 |
| Clarksville, TN-KY | 38 | $ 2,107,000 | $ 55,447 | $ 36,000 |
| Lansing-East Lansing, MI | 38 | $ 1,573,000 | $ 41,394 | $ 30,000 |
| South Bend-Mishawaka, IN-MI | 38 | $ 1,956,000 | $ 51,473 | $ 26,000 |
| Topeka, KS | 38 | $ 1,488,000 | $ 39,157 | $ 29,000 |
| Santa Ana-Anaheim-Irvine, CA | 37 | $ 2,705,000 | $ 73,108 | $ 46,000 |
| Youngstown-Warren-Boardman, OH-PA | 37 | $ 1,588,000 | $ 42,918 | $ 33,000 |
| Providence-New Bedford-Fall River, RI-MA | 36 | $ 2,719,000 | $ 75,527 | $ 43,000 |
| Roanoke, VA | 36 | $ 1,900,000 | $ 52,777 | $ 35,000 |
| Trenton-Ewing, NJ | 36 | $ 2,880,000 | $ 80,000 | $ 45,000 |
| Alexandria, LA | 35 | $ 1,825,000 | $ 52,142 | $ 33,000 |
| Anchorage, AK | 35 | $ 2,756,000 | $ 78,742 | $ 58,000 |
| Kokomo, IN | 35 | $ 2,668,000 | $ 76,228 | $ 15,000 |
| McAllen-Edinburg-Pharr, TX | 35 | $ 1,460,000 | $ 41,714 | $ 59,000 |
| Spokane, WA | 35 | $ 1,609,000 | $ 45,971 | $ 25,000 |
| Winston-Salem, NC | 35 | $ 2,469,000 | $ 70,542 | $ 22,000 |
| Charleston, WV | 34 | $ 1,728,000 | $ 50,823 | $ 39,000 |
| Houma-Bayou Cane-Thibodaux, LA | 34 | $ 2,277,000 | $ 66,970 | $ 29,000 |
| Midland, TX | 34 | $ 1,396,000 | $ 41,058 | $ 40,000 |
| Panama City-Lynn Haven, FL | 34 | $ 1,219,000 | $ 35,852 | $ 31,000 |
| Flint, MI | 33 | $ 1,959,000 | $ 59,363 | $ 24,000 |
| Laredo, TX | 33 | $ 1,589,000 | $ 48,151 | $ 29,000 |
| Erie, PA | 32 | $ 1,605,000 | $ 50,156 | $ 34,000 |
| College Station-Bryan, TX | 31 | $ 2,202,000 | $ 71,032 | $ 33,000 |
| Monroe, LA | 31 | $ 1,562,000 | $ 50,387 | $ 27,000 |
| Punta Gorda, FL | 31 | $ 2,106,000 | $ 67,935 | $ 37,000 |
| San Angelo, TX | 31 | $ 1,145,000 | $ 36,935 | $ 37,000 |
| Springfield, MO | 31 | $ 1,771,000 | $ 57,129 | $ 18,000 |
| Victoria, TX | 31 | $ 1,599,000 | $ 51,580 | $ 35,000 |
| Warner Robins, GA | 31 | $ 1,497,000 | $ 48,290 | $ 39,000 |
| Springfield, IL | 30 | $ 1,562,000 | $ 52,066 | $ 28,000 |
| Scranton--Wilkes-Barre, PA | 29 | $ 1,723,000 | $ 59,413 | $ 42,000 |
| Wilmington, NC | 29 | $ 1,771,000 | $ 61,068 | $ 30,000 |
| Decatur, AL | 28 | $ 1,390,000 | $ 49,642 | $ 29,000 |
| Lincoln, NE | 28 | $ 1,719,000 | $ 61,392 | $ 36,000 |
| Worcester, MA | 28 | $ 2,582,000 | $ 92,214 | $ 38,000 |
| Yuma, AZ | 28 | $ 1,803,000 | $ 64,392 | $ 31,000 |
| Boston-Quincy, MA | 27 | $ 2,195,000 | $ 81,296 | $ 49,000 |
| Pascagoula, MS | 27 | $ 1,534,000 | $ 56,814 | $ 35,000 |
| Texarkana, Tx-Texarkana, AR | 27 | $ 902,000 | $ 33,407 | $ 25,000 |
| Canton-Massillon, OH | 26 | $ 1,280,000 | $ 49,230 | $ 24,000 |
| Davenport-Moline-Rock Island, IA-IL | 26 | $ 1,290,000 | $ 49,615 | $ 47,000 |
| Decatur, IL | 26 | $ 1,213,000 | $ 46,653 | $ 19,000 |
| Dothan, AL | 26 | $ 1,249,000 | $ 48,038 | $ 28,000 |
| Lake Charles, LA | 26 | $ 1,267,000 | $ 48,730 | $ 28,000 |
| Ogden-Clearfield, UT | 26 | $ 1,919,000 | $ 73,807 | $ 40,000 |
| Kalamazoo-Portage, MI | 25 | $ 1,423,000 | $ 56,920 | $ 28,000 |
| Manchester-Nashua, NH | 25 | $ 2,093,000 | $ 83,720 | $ 41,000 |
| Modesto, CA | 25 | $ 2,024,000 | $ 80,960 | $ 30,000 |
| Norwich-New London, CT | 25 | $ 2,284,000 | $ 91,360 | $ 50,000 |
| Springfield, MA | 25 | $ 1,961,000 | $ 78,440 | $ 36,000 |
| Anderson, IN | 23 | $ 1,901,000 | $ 82,652 | $ 22,000 |
| Lynchburg, VA | 23 | $ 1,362,000 | $ 59,217 | $ 23,000 |
| Sioux City, IA-NE-SD | 23 | $ 1,533,000 | $ 66,652 | $ 38,000 |
| Valdosta, GA | 23 | $ 1,131,000 | $ 49,173 | $ 29,000 |
| Greenville, NC | 22 | $ 1,366,000 | $ 62,090 | $ 34,000 |
| Champaign-Urbana, IL | 21 | $ 1,074,000 | $ 51,142 | $ 38,000 |
| Jonesboro, AR | 21 | $ 1,071,000 | $ 51,000 | $ 22,000 |
| Joplin, MO | 21 | $ 1,085,000 | $ 51,666 | $ 15,000 |
| Niles-Benton Harbor, MI | 20 | $ 1,159,000 | $ 57,950 | $ 12,000 |
| Asheville, NC | 19 | $ 873,000 | $ 45,947 | $ 27,000 |
| Cedar Rapids, IA | 19 | $ 518,000 | $ 27,263 | $ 14,000 |
| Cleveland, TN | 19 | $ 1,038,000 | $ 54,631 | $ 10,000 |
| Evansville, IN-KY | 19 | $ 1,100,000 | $ 57,894 | $ 19,000 |
| Florence, SC | 19 | $ 1,068,000 | $ 56,210 | $ 24,000 |
| Jackson, TN | 19 | $ 995,000 | $ 52,368 | $ 11,000 |
| Peoria, IL | 19 | $ 988,000 | $ 52,000 | $ 33,000 |
| St. Joseph, MO-KS | 19 | $ 868,000 | $ 45,684 | $ 22,000 |
| Hanford-Corcoran, CA | 18 | $ 1,119,000 | $ 62,166 | $ 49,000 |
| Hot Springs, AR | 18 | $ 1,136,000 | $ 63,111 | $ 40,000 |
| Muskegon-Norton Shores, MI | 18 | $ 698,000 | $ 38,777 | $ 11,000 |
| Portland-South Portland-Biddeford, ME | 18 | $ 1,403,000 | $ 77,944 | $ 46,000 |
| Spartanburg, SC | 18 | $ 865,000 | $ 48,055 | $ 27,000 |
| Sumter, SC | 18 | $ 1,150,000 | $ 63,888 | $ 42,000 |
| Vallejo-Fairfield, CA | 18 | $ 1,416,000 | $ 78,666 | $ 117,000 |
| Kennewick-Richland-Pasco, WA | 17 | $ 1,022,000 | $ 60,117 | $ 23,000 |
| Rockingham County-Strafford County, NH | 17 | $ 1,267,000 | $ 74,529 | $ 50,000 |
| Anderson, SC | 16 | $ 953,000 | $ 59,562 | $ 22,000 |
| Billings, MT | 16 | $ 841,000 | $ 52,562 | $ 35,000 |
| Charlottesville, VA | 16 | $ 909,000 | $ 56,812 | $ 51,000 |
| Danville, VA | 16 | $ 658,000 | $ 41,125 | $ 25,000 |
| Kingston, NY | 16 | $ 1,177,000 | $ 73,562 | $ 34,000 |
| Lafayette, IN | 16 | $ 1,031,000 | $ 64,437 | $ 16,000 |
| Las Cruces, NM | 16 | $ 912,000 | $ 57,000 | $ 32,000 |
| Pueblo, CO | 16 | $ 1,084,000 | $ 67,750 | $ 14,000 |
| Rome, GA | 16 | $ 776,000 | $ 48,500 | $ 23,000 |
| Stockton, CA | 16 | $ 1,359,000 | $ 84,937 | $ 51,000 |
| Dover, DE | 15 | $ 700,000 | $ 46,666 | $ 45,000 |
| Duluth, MN-WI | 15 | $ 565,000 | $ 37,666 | $ 36,000 |
| Glens Falls, NY | 15 | $ 729,000 | $ 48,600 | $ 36,000 |
| Goldsboro, NC | 15 | $ 645,000 | $ 43,000 | $ 25,000 |
| Reno-Sparks, NV | 15 | $ 1,226,000 | $ 81,733 | $ 54,000 |
| Saginaw-Saginaw Township North, MI | 15 | $ 630,000 | $ 42,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 13,951,000 | $ 930,066 | $ 57,000 |
| Dalton, GA | 14 | $ 778,000 | $ 55,571 | $ 29,000 |
| Kankakee-Bradley, IL | 14 | $ 689,000 | $ 49,214 | $ 22,000 |
| Madera, CA | 14 | $ 752,000 | $ 53,714 | $ 25,000 |
| Rocky Mount, NC | 14 | $ 644,000 | $ 46,000 | $ 25,000 |
| Burlington, NC | 13 | $ 1,047,000 | $ 80,538 | $ 56,000 |
| Elmira, NY | 13 | $ 526,000 | $ 40,461 | $ 29,000 |
| Essex County, MA | 13 | $ 1,951,000 | $ 150,076 | $ 29,000 |
| Fargo, ND-MN | 13 | $ 777,000 | $ 59,769 | $ 41,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 743,000 | $ 57,153 | $ 35,000 |
| Hickory-Lenoir-Morganton, NC | 13 | $ 648,000 | $ 49,846 | $ 19,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 13 | $ 830,000 | $ 63,846 | $ 35,000 |
| Springfield, OH | 13 | $ 735,000 | $ 56,538 | $ 34,000 |
| Tuscaloosa, AL | 13 | $ 638,000 | $ 49,076 | $ 24,000 |
| Bloomington, IN | 12 | $ 589,000 | $ 49,083 | $ 32,000 |
| Florence-Muscle Shoals, AL | 12 | $ 396,000 | $ 33,000 | $ 9,000 |
| Gadsden, AL | 12 | $ 402,000 | $ 33,500 | $ 13,000 |
| Huntington-Ashland, WV-KY-OH | 12 | $ 782,000 | $ 65,166 | $ 22,000 |
| Kingsport-Bristol-Bristol, TN-VA | 12 | $ 578,000 | $ 48,166 | $ 29,000 |
| Lebanon, PA | 12 | $ 759,000 | $ 63,250 | $ 35,000 |
| Michigan City-La Porte, IN | 12 | $ 783,000 | $ 65,250 | $ 25,000 |
| Pittsfield, MA | 12 | $ 769,000 | $ 64,083 | $ 41,000 |
| Athens-Clarke County, GA | 11 | $ 512,000 | $ 46,545 | $ 11,000 |
| Battle Creek, MI | 11 | $ 446,000 | $ 40,545 | $ 10,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 864,000 | $ 78,545 | $ 58,000 |
| Cheyenne, WY | 11 | $ 721,000 | $ 65,545 | $ 17,000 |
| Jackson, MI | 11 | $ 503,000 | $ 45,727 | $ 36,000 |
| Vero Beach, FL | 11 | $ 612,000 | $ 55,636 | $ 34,000 |
| Bremerton-Silverdale, WA | 10 | $ 553,000 | $ 55,300 | $ 29,000 |
| Brunswick, GA | 10 | $ 443,000 | $ 44,300 | $ 34,000 |
| Cambridge-Newton-Framingham, MA | 10 | $ 1,129,000 | $ 112,900 | $ 42,000 |
| Elkhart-Goshen, IN | 10 | $ 549,000 | $ 54,900 | $ 27,000 |
| Fort Collins-Loveland, CO | 10 | $ 776,000 | $ 77,600 | $ 14,000 |
| Gainesville, GA | 10 | $ 617,000 | $ 61,700 | $ 20,000 |
| Greeley, CO | 10 | $ 892,000 | $ 89,200 | $ 57,000 |
| Green Bay, WI | 10 | $ 626,000 | $ 62,600 | $ 20,000 |
| Idaho Falls, ID | 10 | $ 507,000 | $ 50,700 | $ 32,000 |
| Johnson City, TN | 10 | $ 681,000 | $ 68,100 | $ 33,000 |
| Ocean City, NJ | 10 | $ 956,000 | $ 95,600 | $ 36,000 |
| Rochester, MN | 10 | $ 523,000 | $ 52,300 | $ 13,000 |
| Chico, CA | 9 | $ 690,000 | $ 76,666 | $ 71,000 |
| Danville, IL | 9 | $ 264,000 | $ 29,333 | $ 16,000 |
| Janesville, WI | 9 | $ 531,000 | $ 59,000 | $ 32,000 |
| Merced, CA | 9 | $ 540,000 | $ 60,000 | $ 39,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 436,000 | $ 48,444 | $ 24,000 |
| Provo-Orem, UT | 9 | $ 636,000 | $ 70,666 | $ 29,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 9 | $ 728,000 | $ 80,888 | $ 55,000 |
| Boulder, CO | 8 | $ 435,000 | $ 54,375 | $ 10,000 |
| Farmington, NM | 8 | $ 443,000 | $ 55,375 | $ 35,000 |
| Grand Junction, CO | 8 | $ 460,000 | $ 57,500 | $ 41,000 |
| Medford, OR | 8 | $ 701,000 | $ 87,625 | $ 55,000 |
| Salisbury, MD | 8 | $ 340,000 | $ 42,500 | $ 24,000 |
| St. Cloud, MN | 8 | $ 328,000 | $ 41,000 | $ 5,000 |
| Terre Haute, IN | 8 | $ 354,000 | $ 44,250 | $ 19,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 324,000 | $ 40,500 | $ 35,000 |
| Wheeling, WV-OH | 8 | $ 443,000 | $ 55,375 | $ 45,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 244,000 | $ 34,857 | $ 20,000 |
| Bloomington-Normal, IL | 7 | $ 430,000 | $ 61,428 | $ 37,000 |
| Bowling Green, KY | 7 | $ 375,000 | $ 53,571 | $ 31,000 |
| El Centro, CA | 7 | $ 354,000 | $ 50,571 | $ 8,000 |
| Eugene-Springfield, OR | 7 | $ 482,000 | $ 68,857 | $ 53,000 |
| Flagstaff, AZ | 7 | $ 17,884,000 | $ 2,554,857 | $ 20,000 |
| Grand Forks, ND-MN | 7 | $ 412,000 | $ 58,857 | $ 45,000 |
| Hattiesburg, MS | 7 | $ 406,000 | $ 58,000 | $ 24,000 |
| Mansfield, OH | 7 | $ 155,000 | $ 22,142 | $ 14,000 |
| Morgantown, WV | 7 | $ 449,000 | $ 64,142 | $ 25,000 |
| Naples-Marco Island, FL | 7 | $ 593,000 | $ 84,714 | $ 25,000 |
| Owensboro, KY | 7 | $ 301,000 | $ 43,000 | $ 14,000 |
| Parkersburg-Marietta, WV-OH | 7 | $ 438,000 | $ 62,571 | $ 32,000 |
| Prescott, AZ | 7 | $ 629,000 | $ 89,857 | $ 43,000 |
| Racine, WI | 7 | $ 494,000 | $ 70,571 | $ 13,000 |
| Redding, CA | 7 | $ 346,000 | $ 49,428 | $ 33,000 |
| Salem, OR | 7 | $ 320,000 | $ 45,714 | $ 37,000 |
| Sandusky, OH | 7 | $ 356,000 | $ 50,857 | $ 27,000 |
| Sioux Falls, SD | 7 | $ 403,000 | $ 57,571 | $ 6,000 |
| Yakima, WA | 7 | $ 474,000 | $ 67,714 | $ 40,000 |
| Bay City, MI | 6 | $ 311,000 | $ 51,833 | $ 32,000 |
| Bismarck, ND | 6 | $ 385,000 | $ 64,166 | $ 64,000 |
| Carson City, NV | 6 | $ 204,000 | $ 34,000 | $ 16,000 |
| Columbia, MO | 6 | $ 461,000 | $ 76,833 | $ 32,000 |
| Elizabethtown, KY | 6 | $ 334,000 | $ 55,666 | $ 24,000 |
| Great Falls, MT | 6 | $ 234,000 | $ 39,000 | $ 15,000 |
| Holland-Grand Haven, MI | 6 | $ 418,000 | $ 69,666 | $ 11,000 |
| Madison, WI | 6 | $ 346,000 | $ 57,666 | $ 39,000 |
| Olympia, WA | 6 | $ 622,000 | $ 103,666 | $ 37,000 |
| Rapid City, SD | 6 | $ 434,000 | $ 72,333 | $ 54,000 |
| Salinas, CA | 6 | $ 256,000 | $ 42,666 | $ 42,000 |
| Winchester, VA-WV | 6 | $ 550,000 | $ 91,666 | $ 32,000 |
| Yuba City, CA | 6 | $ 671,000 | $ 111,833 | $ 47,000 |
| Altoona, PA | 5 | $ 263,000 | $ 52,600 | $ 15,000 |
| Appleton, WI | 5 | $ 340,000 | $ 68,000 | $ 36,000 |
| Auburn-Opelika, AL | 5 | $ 261,000 | $ 52,200 | $ 10,000 |
| Casper, WY | 5 | $ 103,000 | $ 20,600 | $ 5,000 |
| Columbus, IN | 5 | $ 455,000 | $ 91,000 | $ 26,000 |
| Ithaca, NY | 5 | $ 276,000 | $ 55,200 | $ 54,000 |
| Longview, WA | 5 | $ 207,000 | $ 41,400 | $ 31,000 |
| Pocatello, ID | 5 | $ 451,000 | $ 90,200 | $ 18,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 210,000 | $ 42,000 | $ 18,000 |
| Ann Arbor, MI | 4 | $ 325,000 | $ 81,250 | $ 62,000 |
| Bangor, ME | 4 | $ 160,000 | $ 40,000 | $ 44,000 |
| Barnstable Town, MA | 4 | $ 1,566,000 | $ 391,500 | $ 52,000 |
| Bend, OR | 4 | $ 267,000 | $ 66,750 | $ 18,000 |
| Coeur D'Alene, ID | 4 | $ 192,000 | $ 48,000 | $ 13,000 |
| Cumberland, MD-WV | 4 | $ 189,000 | $ 47,250 | $ 34,000 |
| Eau Claire, WI | 4 | $ 242,000 | $ 60,500 | $ 0 |
| Fairbanks, AK | 4 | $ 393,000 | $ 98,250 | $ 36,000 |
| Harrisonburg, VA | 4 | $ 197,000 | $ 49,250 | $ 21,000 |
| Jefferson City, MO | 4 | $ 174,000 | $ 43,500 | $ 19,000 |
| Lima, OH | 4 | $ 117,000 | $ 29,250 | $ 29,000 |
| Monroe, MI | 4 | $ 227,000 | $ 56,750 | $ 48,000 |
| Napa, CA | 4 | $ 260,000 | $ 65,000 | $ 33,000 |
| Oshkosh-Neenah, WI | 4 | $ 269,000 | $ 67,250 | $ 18,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 152,000 | $ 38,000 | $ 31,000 |
| Wausau, WI | 4 | $ 294,000 | $ 73,500 | $ 45,000 |
| Williamsport, PA | 4 | $ 204,000 | $ 51,000 | $ 55,000 |
| Bellingham, WA | 3 | $ 291,000 | $ 97,000 | $ 37,000 |
| Corvallis, OR | 3 | $ 82,000 | $ 27,333 | $ 28,000 |
| Dubuque, IA | 3 | $ 147,000 | $ 49,000 | $ 27,000 |
| Iowa City, IA | 3 | $ 71,000 | $ 23,666 | $ 8,000 |
| Johnstown, PA | 3 | $ 78,000 | $ 26,000 | $ 5,000 |
| La Crosse, WI-MN | 3 | $ 168,000 | $ 56,000 | $ 62,000 |
| Lewiston-Auburn, ME | 3 | $ 208,000 | $ 69,333 | $ 58,000 |
| Missoula, MT | 3 | $ 114,000 | $ 38,000 | $ 41,000 |
| Morristown, TN | 3 | $ 193,000 | $ 64,333 | $ 81,000 |
| Sheboygan, WI | 3 | $ 231,000 | $ 77,000 | $ 23,000 |
| St. George, UT | 3 | $ 277,000 | $ 92,333 | $ 48,000 |
| Wenatchee, WA | 3 | $ 175,000 | $ 58,333 | $ 43,000 |
| Fond Du Lac, WI | 2 | $ 142,000 | $ 71,000 | $ 80,000 |
| Lawrence, KS | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 163,000 | $ 81,500 | $ 27,000 |
| Muncie, IN | 2 | $ 18,000 | $ 9,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 101,000 | $ 50,500 | $ 63,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 103,000 | $ 51,500 | $ 0 |
| Santa Fe, NM | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Ames, IA | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 176,000 | $ 176,000 | $ 18,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| State College, PA | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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