Midfirst Bank Mortgage Lending & HMDA Data, 2025

In 2025, Midfirst Bank of Oklahoma City, OK reported 14,630 mortgage applications totaling $4.9 billion, up 1% from 2024. The average application was for $334,801, and applicants reported an average income of $324,919. 17% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Oklahoma City, OK (979), Los Angeles-Long Beach-Glendale, CA (646) and Houston-The Woodlands-Sugar Land, TX (594) (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 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 14,630
Total Mortgage Loan Application Amount $4,898,150,000
Average Mortgage Loan Application Amount $334,801
Highest Mortgage Loan Application Amount $45,005,000
Average Applicant Income $324,919
Highest Applicant Income $9,815,000

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Act (HMDA) records Midfirst Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 1,688 $ 417,780,000 $ 247,500 $ 421,740
Oklahoma City, OK 979 $ 249,885,000 $ 255,245 $ 244,000
Los Angeles-Long Beach-Glendale, CA 646 $ 669,080,000 $ 1,035,727 $ 468,000
Houston-The Woodlands-Sugar Land, TX 594 $ 167,130,000 $ 281,363 $ 295,000
Chicago-Naperville, IL 515 $ 110,145,000 $ 213,873 $ 0
Phoenix-Mesa-Scottsdale, AZ 500 $ 344,880,000 $ 689,760 $ 495,000
Dallas-Plano-Irving, TX 485 $ 230,275,000 $ 474,793 $ 291,000
Atlanta-Sandy Springs-Roswell, GA 402 $ 101,080,000 $ 251,442 $ 323,000
Riverside-San Bernardino-Ontario, CA 262 $ 114,760,000 $ 438,015 $ 462,000
Tampa, FL 239 $ 72,465,000 $ 303,200 $ 0
Denver-Aurora-Lakewood, CO 211 $ 130,695,000 $ 619,407 $ 415,000
Tulsa, OK 165 $ 51,995,000 $ 315,121 $ 317,000
Fort Worth-Arlington, TX 154 $ 41,410,000 $ 268,896 $ 298,000
San Antonio-New Braunfels, TX 154 $ 34,720,000 $ 225,454 $ 893,000
Las Vegas-Henderson-Paradise, NV 140 $ 75,510,000 $ 539,357 $ 444,000
Baltimore-Columbia-Towson, MD 131 $ 27,445,000 $ 209,503 $ 0
St. Louis, MO-IL 131 $ 20,145,000 $ 153,778 $ 0
Indianapolis-Carmel-Anderson, IN 125 $ 19,025,000 $ 152,200 $ 0
Orlando-Kissimmee-Sanford, FL 125 $ 34,185,000 $ 273,480 $ 0
Detroit-Dearborn-Livonia, MI 120 $ 16,730,000 $ 139,416 $ 0
Charlotte-Concord-Gastonia, NC-SC 112 $ 23,320,000 $ 208,214 $ 677,000
Jacksonville, FL 103 $ 24,555,000 $ 238,398 $ 0
Philadelphia, PA 103 $ 12,045,000 $ 116,941 $ 77,000
Lakeland-Winter Haven, FL 101 $ 26,675,000 $ 264,108 $ 0
Washington, DC-MD 98 $ 32,190,000 $ 328,469 $ 328,000
New York-Jersey City-White Plains, NY-NJ 88 $ 58,030,000 $ 659,431 $ 1,871,045
Lakewood-New Brunswick, NJ 86 $ 29,630,000 $ 344,534 $ 0
Cincinnati, OH-KY-IN 85 $ 16,745,000 $ 197,000 $ 0
Cleveland, OH 85 $ 10,305,000 $ 121,235 $ 0
Kansas City, MO-KS 84 $ 16,500,000 $ 196,428 $ 686,000
Warren-Troy-Farmington Hills, MI 80 $ 15,400,000 $ 192,500 $ 0
Camden, NJ 78 $ 17,180,000 $ 220,256 $ 0
Memphis, TN-MS-AR 77 $ 12,375,000 $ 160,714 $ 0
Newark, NJ-PA 77 $ 28,555,000 $ 370,844 $ 0
Lake County-Porter County-Jasper County, IN 76 $ 14,150,000 $ 186,184 $ 0
Baton Rouge, LA 74 $ 13,870,000 $ 187,432 $ 0
Minneapolis-St. Paul-Bloomington, MN-WI 74 $ 15,230,000 $ 205,810 $ 0
Pittsburgh, PA 74 $ 9,520,000 $ 128,648 $ 0
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 73 $ 23,155,000 $ 317,191 $ 0
Nashville-Davidson--Murfreesboro--Franklin, TN 72 $ 21,000,000 $ 291,666 $ 910,000
Columbia, SC 71 $ 12,255,000 $ 172,605 $ 0
Cape Coral-Fort Myers, FL 70 $ 20,720,000 $ 296,000 $ 0
Austin-Round Rock, TX 66 $ 23,190,000 $ 351,363 $ 773,000
Columbus, OH 66 $ 9,370,000 $ 141,969 $ 0
Marietta, GA 63 $ 16,785,000 $ 266,428 $ 0
Arlington-Alexandria-Reston, VA-WV 62 $ 19,080,000 $ 307,741 $ 0
Virginia Beach-Norfolk-Newport News, VA-NC 61 $ 13,225,000 $ 216,803 $ 0
Port St. Lucie, FL 60 $ 19,180,000 $ 319,666 $ 0
Louisville/Jefferson County, KY-IN 59 $ 10,715,000 $ 181,610 $ 0
New Orleans-Metairie, LA 59 $ 9,935,000 $ 168,389 $ 0
Miami-Miami Beach-Kendall, FL 55 $ 26,045,000 $ 473,545 $ 631,000
Birmingham-Hoover, AL 54 $ 8,070,000 $ 149,444 $ 0
Santa Maria-Santa Barbara, CA 54 $ 118,600,000 $ 2,196,296 $ 751,000
El Paso, TX 52 $ 7,300,000 $ 140,384 $ 0
Raleigh, NC 52 $ 13,230,000 $ 254,423 $ 402,000
Dayton-Springfield-Kettering, OH 50 $ 6,830,000 $ 136,600 $ 0
Richmond, VA 50 $ 11,090,000 $ 221,800 $ 0
Little Rock-North Little Rock-Conway, AR 49 $ 6,225,000 $ 127,040 $ 0
Nassau County-Suffolk County, NY 49 $ 32,805,000 $ 669,489 $ 204,000
Anaheim-Santa Ana-Irvine, CA 45 $ 79,455,000 $ 1,765,666 $ 934,000
Hartford-West Hartford-East Hartford, CT 45 $ 9,355,000 $ 207,888 $ 0
Milwaukee-Waukesha-West Allis, WI 45 $ 7,725,000 $ 171,666 $ 0
Charleston-North Charleston, SC 43 $ 10,475,000 $ 243,604 $ 0
Allentown-Bethlehem-Easton, PA-NJ 42 $ 7,260,000 $ 172,857 $ 0
Deltona-Daytona Beach-Ormond Beach, FL 42 $ 11,210,000 $ 266,904 $ 0
Elgin, IL 42 $ 10,300,000 $ 245,238 $ 0
Sacramento--Roseville--Arden-Arcade, CA 41 $ 15,505,000 $ 378,170 $ 979,000
Greenville-Anderson-Mauldin, SC 40 $ 9,510,000 $ 237,750 $ 0
Ocala, FL 40 $ 9,360,000 $ 234,000 $ 0
Mobile, AL 39 $ 5,575,000 $ 142,948 $ 0
Providence-Warwick, RI-MA 39 $ 12,835,000 $ 329,102 $ 0
Salt Lake City, UT 38 $ 27,450,000 $ 722,368 $ 466,000
Tucson, AZ 38 $ 8,420,000 $ 221,578 $ 0
Grand Rapids-Wyoming, MI 37 $ 6,855,000 $ 185,270 $ 0
North Port-Sarasota-Bradenton, FL 37 $ 10,475,000 $ 283,108 $ 0
Rochester, NY 37 $ 3,325,000 $ 89,864 $ 0
San Diego-Carlsbad, CA 36 $ 75,150,000 $ 2,087,500 $ 1,096,000
Augusta-Richmond County, GA-SC 35 $ 5,575,000 $ 159,285 $ 35,000
McAllen-Edinburg-Mission, TX 35 $ 5,945,000 $ 169,857 $ 325,000
Bakersfield, CA 34 $ 9,920,000 $ 291,764 $ 0
St. Petersburg-Clearwater-Largo, FL 34 $ 8,130,000 $ 239,117 $ 0
Wichita, KS 34 $ 4,650,000 $ 136,764 $ 0
Albuquerque, NM 33 $ 8,585,000 $ 260,151 $ 210,000
Montgomery County-Bucks County-Chester County, PA 33 $ 8,765,000 $ 265,606 $ 1,037,000
Stockton-Lodi, CA 32 $ 11,830,000 $ 369,687 $ 52,000
West Palm Beach-Boca Raton-Delray Beach, FL 32 $ 17,730,000 $ 554,062 $ 5,540,000
Wilmington, DE-MD-NJ 32 $ 5,780,000 $ 180,625 $ 0
Fort Wayne, IN 31 $ 4,595,000 $ 148,225 $ 0
Jackson, MS 31 $ 4,315,000 $ 139,193 $ 0
Lafayette, LA 31 $ 5,565,000 $ 179,516 $ 0
Washington-Baltimore-Arlington, DC 31 $ 10,625,000 $ 342,741 $ 134,000
Provo-Orem, UT 30 $ 24,390,000 $ 813,000 $ 1,007,000
Springfield, MO 30 $ 4,840,000 $ 161,333 $ 0
Savannah, GA 29 $ 5,535,000 $ 190,862 $ 44,000
Youngstown-Warren-Boardman, OH-PA 29 $ 3,375,000 $ 116,379 $ 0
Boston, MA 28 $ 12,420,000 $ 443,571 $ 518,000
Buffalo-Cheektowaga-Niagara Falls, NY 28 $ 2,690,000 $ 96,071 $ 0
Fresno, CA 28 $ 7,810,000 $ 278,928 $ 0
Huntington-Ashland, WV-KY-OH 28 $ 4,030,000 $ 143,928 $ 0
Huntsville, AL 28 $ 5,300,000 $ 189,285 $ 0
Greensboro-High Point, NC 27 $ 4,595,000 $ 170,185 $ 0
Shreveport-Bossier City, LA 27 $ 3,495,000 $ 129,444 $ 0
Toledo, OH 27 $ 3,775,000 $ 139,814 $ 0
Palm Bay-Melbourne-Titusville, FL 26 $ 5,400,000 $ 207,692 $ 0
Scranton--Wilkes-Barre--Hazleton, PA 26 $ 2,490,000 $ 95,769 $ 0
Colorado Springs, CO 25 $ 8,765,000 $ 350,600 $ 451,000
Hagerstown-Martinsburg, MD-WV 25 $ 5,865,000 $ 234,600 $ 97,000
Oakland-Hayward-Berkeley, CA 25 $ 19,135,000 $ 765,400 $ 837,000
Portland-Vancouver-Hillsboro, OR-WA 25 $ 8,985,000 $ 359,400 $ 253,000
Syracuse, NY 25 $ 2,135,000 $ 85,400 $ 0
Flagstaff, AZ 24 $ 23,480,000 $ 978,333 $ 1,980,000
Knoxville, TN 24 $ 5,230,000 $ 217,916 $ 0
Peoria, IL 24 $ 2,310,000 $ 96,250 $ 0
Fayetteville, NC 23 $ 3,115,000 $ 135,434 $ 0
Lake County-Kenosha County, IL-WI 23 $ 4,325,000 $ 188,043 $ 0
Omaha-Council Bluffs, NE-IA 23 $ 4,445,000 $ 193,260 $ 753,000
Tacoma-Lakewood, WA 23 $ 7,675,000 $ 333,695 $ 0
Winston-Salem, NC 23 $ 4,685,000 $ 203,695 $ 60,000
Des Moines-West Des Moines, IA 22 $ 4,230,000 $ 192,272 $ 0
Punta Gorda, FL 22 $ 6,120,000 $ 278,181 $ 0
Boulder, CO 21 $ 11,005,000 $ 524,047 $ 412,000
Flint, MI 21 $ 2,905,000 $ 138,333 $ 0
Ogden-Clearfield, UT 21 $ 13,725,000 $ 653,571 $ 717,000
Rockford, IL 21 $ 2,535,000 $ 120,714 $ 0
Seattle-Bellevue-Everett, WA 21 $ 12,585,000 $ 599,285 $ 2,505,000
Spartanburg, SC 21 $ 5,145,000 $ 245,000 $ 0
Brownsville-Harlingen, TX 20 $ 2,460,000 $ 123,000 $ 0
Waterbury-Shelton, CT 20 $ 4,000,000 $ 200,000 $ 0
York-Hanover, PA 20 $ 3,580,000 $ 179,000 $ 0
Columbus, GA-AL 19 $ 4,035,000 $ 212,368 $ 0
Killeen-Temple, TX 19 $ 2,095,000 $ 110,263 $ 71,000
Slidell-Mandeville-Covington, LA 19 $ 3,965,000 $ 208,684 $ 0
Albany-Schenectady-Troy, NY 18 $ 2,710,000 $ 150,555 $ 0
Chattanooga, TN-GA 18 $ 3,580,000 $ 198,888 $ 0
Corpus Christi, TX 18 $ 2,330,000 $ 129,444 $ 0
Florence, SC 18 $ 3,370,000 $ 187,222 $ 0
Laredo, TX 18 $ 3,810,000 $ 211,666 $ 64,000
Pensacola-Ferry Pass-Brent, FL 18 $ 3,320,000 $ 184,444 $ 0
Charleston, WV 17 $ 1,955,000 $ 115,000 $ 0
Clarksville, TN-KY 17 $ 3,295,000 $ 193,823 $ 0
Dover, DE 17 $ 4,335,000 $ 255,000 $ 0
Durham-Chapel Hill, NC 17 $ 2,765,000 $ 162,647 $ 0
Macon-Bibb County, GA 17 $ 4,095,000 $ 240,882 $ 0
Santa Fe, NM 17 $ 18,755,000 $ 1,103,235 $ 529,000
Waco, TX 17 $ 2,685,000 $ 157,941 $ 85,000
Cambridge-Newton-Framingham, MA 16 $ 5,320,000 $ 332,500 $ 0
Davenport-Moline-Rock Island, IA-IL 16 $ 1,670,000 $ 104,375 $ 0
Gulfport-Biloxi-Pascagoula, MS 16 $ 2,040,000 $ 127,500 $ 0
Hickory-Lenoir-Morganton, NC 16 $ 2,760,000 $ 172,500 $ 0
Springfield, MA 16 $ 3,400,000 $ 212,500 $ 0
Tuscaloosa, AL 16 $ 1,910,000 $ 119,375 $ 0
Atlantic City-Hammonton, NJ 15 $ 3,675,000 $ 245,000 $ 0
Beaumont-Port Arthur, TX 15 $ 1,935,000 $ 129,000 $ 0
Harrisburg-Carlisle, PA 15 $ 2,075,000 $ 138,333 $ 75,000
Kiryas Joel-Poughkeepsie-Newburgh, NY 15 $ 4,325,000 $ 288,333 $ 294,000
Midland, TX 15 $ 3,705,000 $ 247,000 $ 0
Modesto, CA 15 $ 5,135,000 $ 342,333 $ 0
Naples-Immokalee-Marco Island, FL 15 $ 5,785,000 $ 385,666 $ 0
Vineland-Bridgeton, NJ 15 $ 2,675,000 $ 178,333 $ 0
Worcester, MA-CT 15 $ 4,375,000 $ 291,666 $ 0
Akron, OH 14 $ 2,340,000 $ 167,142 $ 134,000
Canton-Massillon, OH 14 $ 1,870,000 $ 133,571 $ 0
El Centro, CA 14 $ 4,440,000 $ 317,142 $ 0
Evansville, IN-KY 14 $ 1,770,000 $ 126,428 $ 0
Fayetteville-Springdale-Rogers, AR-MO 14 $ 4,910,000 $ 350,714 $ 503,000
Gainesville, FL 14 $ 2,310,000 $ 165,000 $ 0
Lansing-East Lansing, MI 14 $ 2,630,000 $ 187,857 $ 720,000
New Haven-Milford, CT 14 $ 2,700,000 $ 192,857 $ 0
Odessa, TX 14 $ 3,600,000 $ 257,142 $ 0
Oxnard-Thousand Oaks-Ventura, CA 14 $ 11,440,000 $ 817,142 $ 293,000
Reading, PA 14 $ 2,170,000 $ 155,000 $ 0
Visalia-Porterville, CA 14 $ 3,540,000 $ 252,857 $ 0
Gainesville, GA 13 $ 2,415,000 $ 185,769 $ 0
Lake Charles, LA 13 $ 1,535,000 $ 118,076 $ 0
Lubbock, TX 13 $ 1,895,000 $ 145,769 $ 0
Montgomery, AL 13 $ 1,365,000 $ 105,000 $ 0
Reno, NV 13 $ 11,665,000 $ 897,307 $ 2,129,000
Tallahassee, FL 13 $ 2,865,000 $ 220,384 $ 0
Bridgeport-Stamford-Norwalk, CT 12 $ 11,370,000 $ 947,500 $ 2,144,000
Homosassa Springs, FL 12 $ 1,840,000 $ 153,333 $ 0
Lafayette-West Lafayette, IN 12 $ 1,820,000 $ 151,666 $ 0
Longview, TX 12 $ 1,750,000 $ 145,833 $ 0
Prescott Valley-Prescott, AZ 12 $ 5,960,000 $ 496,666 $ 223,000
Trenton, NJ 12 $ 3,060,000 $ 255,000 $ 0
Utica-Rome, NY 12 $ 740,000 $ 61,666 $ 0
Decatur, AL 11 $ 1,695,000 $ 154,090 $ 0
Greeley, CO 11 $ 2,945,000 $ 267,727 $ 0
Greenville, NC 11 $ 2,105,000 $ 191,363 $ 0
Lima, OH 11 $ 1,835,000 $ 166,818 $ 0
Portland-South Portland, ME 11 $ 3,465,000 $ 315,000 $ 0
Roanoke, VA 11 $ 965,000 $ 87,727 $ 0
South Bend-Mishawaka, IN-MI 11 $ 2,055,000 $ 186,818 $ 0
Springfield, OH 11 $ 1,695,000 $ 154,090 $ 0
Texarkana, TX-AR 11 $ 1,165,000 $ 105,909 $ 0
Anniston-Oxford-Jacksonville, AL 10 $ 1,360,000 $ 136,000 $ 0
Asheville, NC 10 $ 3,350,000 $ 335,000 $ 747,000
Houma-Thibodaux, LA 10 $ 1,680,000 $ 168,000 $ 0
Johnson City, TN 10 $ 1,550,000 $ 155,000 $ 0
Lexington Park, MD 10 $ 2,260,000 $ 226,000 $ 0
Mansfield, OH 10 $ 1,290,000 $ 129,000 $ 0
Monroe, LA 10 $ 770,000 $ 77,000 $ 0
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 10 $ 2,630,000 $ 263,000 $ 0
Niles-Benton Harbor, MI 10 $ 2,710,000 $ 271,000 $ 1,320,000
Pueblo, CO 10 $ 2,110,000 $ 211,000 $ 0
Rockingham County-Strafford County, NH 10 $ 3,760,000 $ 376,000 $ 650,000
Spokane-Spokane Valley, WA 10 $ 1,950,000 $ 195,000 $ 0
Topeka, KS 10 $ 1,320,000 $ 132,000 $ 0
Boise City, ID 9 $ 2,035,000 $ 226,111 $ 0
Champaign-Urbana, IL 9 $ 1,035,000 $ 115,000 $ 0
Daphne-Fairhope-Foley, AL 9 $ 2,125,000 $ 236,111 $ 0
Elkhart-Goshen, IN 9 $ 1,055,000 $ 117,222 $ 0
Fort Collins, CO 9 $ 6,275,000 $ 697,222 $ 939,000
Fort Smith, AR-OK 9 $ 1,315,000 $ 146,111 $ 355,000
Jackson, TN 9 $ 1,715,000 $ 190,555 $ 0
Joplin, MO 9 $ 1,305,000 $ 145,000 $ 0
Kalamazoo-Portage, MI 9 $ 1,515,000 $ 168,333 $ 0
Lancaster, PA 9 $ 1,305,000 $ 145,000 $ 0
Rocky Mount, NC 9 $ 1,245,000 $ 138,333 $ 0
Yuma, AZ 9 $ 1,155,000 $ 128,333 $ 0
Amarillo, TX 8 $ 1,320,000 $ 165,000 $ 0
Battle Creek, MI 8 $ 990,000 $ 123,750 $ 0
Everett, WA 8 $ 4,780,000 $ 597,500 $ 0
Gadsden, AL 8 $ 1,050,000 $ 131,250 $ 0
Green Bay, WI 8 $ 1,580,000 $ 197,500 $ 0
Hilton Head Island-Bluffton-Beaufort, SC 8 $ 3,420,000 $ 427,500 $ 933,000
Kankakee, IL 8 $ 1,650,000 $ 206,250 $ 0
Muskegon, MI 8 $ 1,250,000 $ 156,250 $ 0
Salisbury, MD-DE 8 $ 1,390,000 $ 173,750 $ 0
San Francisco-Redwood City-South San Francisco, CA 8 $ 11,470,000 $ 1,433,750 $ 705,000
St. George, UT 8 $ 7,410,000 $ 926,250 $ 700,000
Tyler, TX 8 $ 1,410,000 $ 176,250 $ 0
Albany, GA 7 $ 585,000 $ 83,571 $ 0
Billings, MT 7 $ 1,725,000 $ 246,428 $ 0
Cedar Rapids, IA 7 $ 1,065,000 $ 152,142 $ 0
Columbus, IN 7 $ 1,045,000 $ 149,285 $ 0
Crestview-Fort Walton Beach-Destin, FL 7 $ 2,545,000 $ 363,571 $ 900,000
Duluth, MN-WI 7 $ 1,125,000 $ 160,714 $ 0
Kingsport-Bristol-Bristol, TN-VA 7 $ 975,000 $ 139,285 $ 0
Lawton, OK 7 $ 1,685,000 $ 240,714 $ 367,000
Lexington-Fayette, KY 7 $ 1,645,000 $ 235,000 $ 0
Lynchburg, VA 7 $ 1,175,000 $ 167,857 $ 0
Madison, WI 7 $ 1,085,000 $ 155,000 $ 0
Manchester-Nashua, NH 7 $ 1,905,000 $ 272,142 $ 0
Norwich-New London, CT 7 $ 1,325,000 $ 189,285 $ 0
San Angelo, TX 7 $ 2,675,000 $ 382,142 $ 226,000
Sherman-Denison, TX 7 $ 1,365,000 $ 195,000 $ 175,000
Sumter, SC 7 $ 515,000 $ 73,571 $ 0
Victoria, TX 7 $ 765,000 $ 109,285 $ 0
Yuba City, CA 7 $ 2,235,000 $ 319,285 $ 0
Alexandria, LA 6 $ 540,000 $ 90,000 $ 0
Anchorage, AK 6 $ 1,140,000 $ 190,000 $ 0
Athens-Clarke County, GA 6 $ 1,100,000 $ 183,333 $ 0
Blacksburg-Christiansburg-Radford, VA 6 $ 930,000 $ 155,000 $ 0
Bloomington, IN 6 $ 1,150,000 $ 191,666 $ 0
Erie, PA 6 $ 470,000 $ 78,333 $ 0
Goldsboro, NC 6 $ 1,010,000 $ 168,333 $ 0
Hanford-Corcoran, CA 6 $ 1,150,000 $ 191,666 $ 0
Jackson, MI 6 $ 930,000 $ 155,000 $ 0
Jonesboro, AR 6 $ 940,000 $ 156,666 $ 0
Kennewick-Richland, WA 6 $ 1,230,000 $ 205,000 $ 0
Muncie, IN 6 $ 480,000 $ 80,000 $ 0
Oshkosh-Neenah, WI 6 $ 810,000 $ 135,000 $ 0
Racine, WI 6 $ 750,000 $ 125,000 $ 0
Rochester, MN 6 $ 1,140,000 $ 190,000 $ 0
San Jose-Sunnyvale-Santa Clara, CA 6 $ 7,460,000 $ 1,243,333 $ 2,555,000
Sandusky, OH 6 $ 790,000 $ 131,666 $ 0
Sierra Vista-Douglas, AZ 6 $ 860,000 $ 143,333 $ 0
Terre Haute, IN 6 $ 450,000 $ 75,000 $ 0
Urban Honolulu, HI 6 $ 3,630,000 $ 605,000 $ 306,000
Vallejo-Fairfield, CA 6 $ 2,500,000 $ 416,666 $ 0
Warner Robins, GA 6 $ 1,170,000 $ 195,000 $ 0
Appleton, WI 5 $ 865,000 $ 173,000 $ 0
Bend-Redmond, OR 5 $ 2,075,000 $ 415,000 $ 196,000
Chico, CA 5 $ 1,065,000 $ 213,000 $ 0
College Station-Bryan, TX 5 $ 835,000 $ 167,000 $ 0
Columbia, MO 5 $ 965,000 $ 193,000 $ 0
Dalton, GA 5 $ 935,000 $ 187,000 $ 0
Elmira, NY 5 $ 325,000 $ 65,000 $ 0
Eugene, OR 5 $ 1,335,000 $ 267,000 $ 0
Hammond, LA 5 $ 925,000 $ 185,000 $ 0
Idaho Falls, ID 5 $ 1,295,000 $ 259,000 $ 0
Jacksonville, NC 5 $ 855,000 $ 171,000 $ 0
Janesville-Beloit, WI 5 $ 945,000 $ 189,000 $ 0
Kenosha, WI 5 $ 1,345,000 $ 269,000 $ 0
Las Cruces, NM 5 $ 1,225,000 $ 245,000 $ 0
Medford, OR 5 $ 1,305,000 $ 261,000 $ 0
Monroe, MI 5 $ 1,025,000 $ 205,000 $ 0
Rome, GA 5 $ 805,000 $ 161,000 $ 0
Salinas, CA 5 $ 2,625,000 $ 525,000 $ 0
San Rafael, CA 5 $ 11,055,000 $ 2,211,000 $ 1,104,000
Santa Rosa, CA 5 $ 3,055,000 $ 611,000 $ 1,550,000
Sebring, FL 5 $ 865,000 $ 173,000 $ 0
Sheboygan, WI 5 $ 935,000 $ 187,000 $ 0
Sioux Falls, SD 5 $ 925,000 $ 185,000 $ 0
St. Cloud, MN 5 $ 1,015,000 $ 203,000 $ 0
St. Joseph, MO-KS 5 $ 605,000 $ 121,000 $ 0
Valdosta, GA 5 $ 1,205,000 $ 241,000 $ 0
Wilmington, NC 5 $ 1,395,000 $ 279,000 $ 0
Winchester, VA-WV 5 $ 1,335,000 $ 267,000 $ 0
Ann Arbor, MI 4 $ 1,200,000 $ 300,000 $ 0
Auburn-Opelika, AL 4 $ 800,000 $ 200,000 $ 0
Binghamton, NY 4 $ 110,000 $ 27,500 $ 0
Bloomington, IL 4 $ 540,000 $ 135,000 $ 0
Bowling Green, KY 4 $ 570,000 $ 142,500 $ 0
Bremerton-Silverdale, WA 4 $ 900,000 $ 225,000 $ 452,000
Brunswick, GA 4 $ 580,000 $ 145,000 $ 0
Chambersburg-Waynesboro, PA 4 $ 410,000 $ 102,500 $ 0
Charlottesville, VA 4 $ 1,160,000 $ 290,000 $ 0
Cleveland, TN 4 $ 1,180,000 $ 295,000 $ 0
Decatur, IL 4 $ 180,000 $ 45,000 $ 0
Dothan, AL 4 $ 420,000 $ 105,000 $ 0
Enid, OK 4 $ 340,000 $ 85,000 $ 54,000
Florence-Muscle Shoals, AL 4 $ 420,000 $ 105,000 $ 0
Grand Junction, CO 4 $ 2,480,000 $ 620,000 $ 0
Kingston, NY 4 $ 1,040,000 $ 260,000 $ 0
Kokomo, IN 4 $ 390,000 $ 97,500 $ 0
Lake Havasu City-Kingman, AZ 4 $ 690,000 $ 172,500 $ 0
Longview, WA 4 $ 1,240,000 $ 310,000 $ 0
Merced, CA 4 $ 1,150,000 $ 287,500 $ 0
Michigan City-La Porte, IN 4 $ 620,000 $ 155,000 $ 0
Morgantown, WV 4 $ 650,000 $ 162,500 $ 0
Morristown, TN 4 $ 880,000 $ 220,000 $ 0
Panama City, FL 4 $ 580,000 $ 145,000 $ 0
Parkersburg-Vienna, WV 4 $ 330,000 $ 82,500 $ 0
Redding, CA 4 $ 1,260,000 $ 315,000 $ 0
Saginaw, MI 4 $ 570,000 $ 142,500 $ 0
San Luis Obispo-Paso Robles-Arroyo Grande, CA 4 $ 4,020,000 $ 1,005,000 $ 245,000
Sebastian-Vero Beach, FL 4 $ 1,150,000 $ 287,500 $ 0
Wausau, WI 4 $ 480,000 $ 120,000 $ 0
Albany, OR 3 $ 865,000 $ 288,333 $ 0
Bay City, MI 3 $ 255,000 $ 85,000 $ 0
Beckley, WV 3 $ 385,000 $ 128,333 $ 0
Bismarck, ND 3 $ 825,000 $ 275,000 $ 0
Burlington, NC 3 $ 525,000 $ 175,000 $ 0
Coeur D'Alene, ID 3 $ 675,000 $ 225,000 $ 0
Great Falls, MT 3 $ 535,000 $ 178,333 $ 0
Hattiesburg, MS 3 $ 875,000 $ 291,666 $ 0
Hinesville, GA 3 $ 215,000 $ 71,666 $ 0
Johnstown, PA 3 $ 355,000 $ 118,333 $ 0
Lincoln, NE 3 $ 805,000 $ 268,333 $ 0
Logan, UT-ID 3 $ 735,000 $ 245,000 $ 0
Manhattan, KS 3 $ 165,000 $ 55,000 $ 0
Olympia-Tumwater, WA 3 $ 845,000 $ 281,666 $ 0
Owensboro, KY 3 $ 465,000 $ 155,000 $ 0
Paducah, KY-IL 3 $ 565,000 $ 188,333 $ 0
Rapid City, SD 3 $ 955,000 $ 318,333 $ 1,286,000
Salem, OR 3 $ 425,000 $ 141,666 $ 0
San Juan-Carolina-Caguas, PR 3 $ 125,000 $ 41,666 $ 0
Springfield, IL 3 $ 405,000 $ 135,000 $ 0
Traverse City, MI 3 $ 775,000 $ 258,333 $ 0
Twin Falls, ID 3 $ 485,000 $ 161,666 $ 0
Wheeling, WV-OH 3 $ 385,000 $ 128,333 $ 0
Wichita Falls, TX 3 $ 305,000 $ 101,666 $ 0
Wildwood-The Villages, FL 3 $ 645,000 $ 215,000 $ 0
Williamsport, PA 3 $ 325,000 $ 108,333 $ 0
Yakima, WA 3 $ 515,000 $ 171,666 $ 0
Altoona, PA 2 $ 250,000 $ 125,000 $ 0
Bangor, ME 2 $ 180,000 $ 90,000 $ 0
Bozeman, MT 2 $ 520,000 $ 260,000 $ 0
Cape Girardeau, MO-IL 2 $ 390,000 $ 195,000 $ 0
Casper, WY 2 $ 180,000 $ 90,000 $ 0
Cheyenne, WY 2 $ 490,000 $ 245,000 $ 0
Eau Claire, WI 2 $ 310,000 $ 155,000 $ 0
Farmington, NM 2 $ 410,000 $ 205,000 $ 0
Fond Du Lac, WI 2 $ 320,000 $ 160,000 $ 0
Gettysburg, PA 2 $ 560,000 $ 280,000 $ 0
Glens Falls, NY 2 $ 450,000 $ 225,000 $ 0
Hot Springs, AR 2 $ 310,000 $ 155,000 $ 0
Iowa City, IA 2 $ 430,000 $ 215,000 $ 0
Jefferson City, MO 2 $ 750,000 $ 375,000 $ 0
Kahului-Wailuku-Lahaina, HI 2 $ 4,340,000 $ 2,170,000 $ 0
Lawrence, KS 2 $ 260,000 $ 130,000 $ 0
Lebanon, PA 2 $ 490,000 $ 245,000 $ 0
Lewiston, ID-WA 2 $ 160,000 $ 80,000 $ 0
Lewiston-Auburn, ME 2 $ 540,000 $ 270,000 $ 0
Mankato-North Mankato, MN 2 $ 400,000 $ 200,000 $ 0
Napa, CA 2 $ 1,270,000 $ 635,000 $ 0
Pinehurst-Southern Pines, NC 2 $ 730,000 $ 365,000 $ 0
Staunton-Waynesboro, VA 2 $ 270,000 $ 135,000 $ 0
Watertown-Fort Drum, NY 2 $ 100,000 $ 50,000 $ 0
Abilene, TX 1 $ 185,000 $ 185,000 $ 0
Ames, IA 1 $ 125,000 $ 125,000 $ 0
Amherst Town-Northampton, MA 1 $ 125,000 $ 125,000 $ 0
Barnstable Town, MA 1 $ 755,000 $ 755,000 $ 1,211,000
Bellingham, WA 1 $ 375,000 $ 375,000 $ 0
Carson City, NV 1 $ 295,000 $ 295,000 $ 0
Corvallis, OR 1 $ 255,000 $ 255,000 $ 0
Dubuque, IA 1 $ 85,000 $ 85,000 $ 0
Eagle Pass, TX 1 $ 25,000 $ 25,000 $ 0
Fargo, ND-MN 1 $ 155,000 $ 155,000 $ 0
Grand Island, NE 1 $ 65,000 $ 65,000 $ 0
Grants Pass, OR 1 $ 215,000 $ 215,000 $ 0
Helena, MT 1 $ 85,000 $ 85,000 $ 0
Midland, MI 1 $ 245,000 $ 245,000 $ 0
Minot, ND 1 $ 155,000 $ 155,000 $ 0
Missoula, MT 1 $ 415,000 $ 415,000 $ 0
Pittsfield, MA 1 $ 275,000 $ 275,000 $ 0
Sioux City, IA-NE-SD 1 $ 435,000 $ 435,000 $ 0
Walla Walla, WA 1 $ 95,000 $ 95,000 $ 0
Waterloo-Cedar Falls, IA 1 $ 85,000 $ 85,000 $ 0

Mortgage Loan Application Detail Totals for Midfirst Bank in 2025

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 7,569 $3,234,135,000 $427,000 $45,005,000 $357,000 $9,096,000
Not Applicable 3,215 $253,375,000 $78,000 $825,000 $0 $0
Cash-out Refinancing 1,978 $454,470,000 $229,000 $1,065,000 $87,000 $353,000
Refinancing 941 $681,145,000 $723,000 $14,865,000 $500,000 $7,251,000
Other Purpose 569 $183,585,000 $322,000 $6,005,000 $469,000 $9,815,000
Home Improvement 358 $91,440,000 $255,000 $3,005,000 $272,000 $7,057,000

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 11,884 $3,322,330,000 $279,000 $45,005,000 $70,000 $98,000
White 1,364 $747,070,000 $547,000 $8,805,000 $378,000 $9,096,000
Not Provided 549 $508,875,000 $926,000 $12,355,000 $638,000 $9,815,000
Hispanic 483 $159,465,000 $330,000 $2,865,000 $196,000 $7,011,000
Asian 187 $112,445,000 $601,000 $5,055,000 $322,000 $5,100,000
Black or African American 134 $41,230,000 $307,000 $1,755,000 $234,000 $2,160,000
American Indian or Alaskan Native 28 $6,230,000 $222,000 $1,505,000 $165,000 $664,000
Native Hawaiian or Other Pacific Islander 1 $505,000 $505,000 $505,000 $306,000 $306,000

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) 10,935 $2,478,925,000 $226,000 $1,495,000 $68,000 $162,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,141 $2,361,895,000 $751,000 $45,005,000 $396,000 $9,815,000
VA-guaranteed (Veterans Administration) 355 $44,585,000 $125,000 $585,000 $83,000 $232,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 199 $12,745,000 $64,000 $245,000 $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 Purchased By The Institution 11,244 $2,503,430,000 $222,000 $1,495,000 $70,000 $98,000
Loan Originated 2,416 $1,806,820,000 $747,000 $15,005,000 $460,000 $9,815,000
Application Denied By Financial Institution 479 $137,135,000 $286,000 $8,605,000 $135,000 $5,100,000
Application Withdrawn By Applicant 324 $343,230,000 $1,059,000 $45,005,000 $424,000 $6,205,000
Preapproval Approved but not Accepted 123 $67,555,000 $549,000 $1,205,000 $148,000 $632,000
Application Approved But Not Accepted 43 $39,785,000 $925,000 $4,505,000 $532,000 $2,101,000
Preapproval Denied by Financial Institution 1 $195,000 $195,000 $195,000 $25,000 $25,000
File Closed For Incompleteness 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 14,150 $4,760,820,000 $336,000 $45,005,000 $428,000 $9,815,000
Debt-To-Income Ratio 233 $92,745,000 $398,000 $8,605,000 $122,000 $1,656,000
Credit History 113 $14,295,000 $126,000 $2,505,000 $153,000 $5,100,000
Collateral 50 $14,330,000 $286,000 $3,005,000 $137,000 $845,000
Other 39 $7,875,000 $201,000 $1,055,000 $163,000 $720,000
Credit Application Incomplete 36 $6,590,000 $183,000 $1,555,000 $0 $0
Unverifiable Information 7 $1,105,000 $157,000 $365,000 $85,000 $127,000
Insufficient Cash (Downpayment, Closing Cost) 2 $390,000 $195,000 $195,000 $96,000 $150,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Midfirst Bank's 2025 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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