Midfirst Bank Mortgage Lending & HMDA Data, 2022

In 2022, Midfirst Bank of Oklahoma City, OK reported 34,510 mortgage applications totaling $7.2 billion, down 28% from 2021. The average application was for $208,204, and applicants reported an average income of $362,802. 8% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oklahoma City, OK (1,354), Phoenix-Mesa-Scottsdale, AZ (1,211) and Houston-The Woodlands-Sugar Land, TX (1,191) (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 34,510
Total Mortgage Loan Application Amount $7,185,130,000
Average Mortgage Loan Application Amount $208,204
Highest Mortgage Loan Application Amount $23,625,000
Average Applicant Income $362,802
Highest Applicant Income $9,015,000

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Act (HMDA) records Midfirst Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

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 3,399 $ 561,565,000 $ 165,214 $ 354,155
Oklahoma City, OK 1,354 $ 287,550,000 $ 212,370 $ 185,000
Phoenix-Mesa-Scottsdale, AZ 1,211 $ 537,785,000 $ 444,083 $ 295,000
Houston-The Woodlands-Sugar Land, TX 1,191 $ 211,665,000 $ 177,720 $ 816,000
Atlanta-Sandy Springs-Roswell, GA 1,149 $ 176,255,000 $ 153,398 $ 0
Chicago-Naperville, IL 1,024 $ 176,500,000 $ 172,363 $ 579,000
Dallas-Plano-Irving, TX 937 $ 199,615,000 $ 213,036 $ 159,000
Los Angeles-Long Beach-Glendale, CA 660 $ 558,790,000 $ 846,651 $ 601,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 543 $ 133,525,000 $ 245,902 $ 420,000
San Antonio-New Braunfels, TX 511 $ 69,895,000 $ 136,780 $ 0
Fort Worth-Arlington, TX 440 $ 65,730,000 $ 149,386 $ 275,000
Riverside-San Bernardino-Ontario, CA 437 $ 149,675,000 $ 342,505 $ 1,402,000
Baltimore-Columbia-Towson, MD 434 $ 81,070,000 $ 186,797 $ 0
St. Louis, MO-IL 424 $ 47,540,000 $ 112,122 $ 0
Denver-Aurora-Lakewood, CO 388 $ 225,680,000 $ 581,649 $ 483,000
Indianapolis-Carmel-Anderson, IN 376 $ 41,220,000 $ 109,627 $ 0
Philadelphia, PA 366 $ 39,130,000 $ 106,912 $ 198,000
Tulsa, OK 364 $ 74,870,000 $ 205,686 $ 186,000
Tampa-St. Petersburg-Clearwater, FL 341 $ 54,835,000 $ 160,806 $ 0
Orlando-Kissimmee-Sanford, FL 340 $ 63,880,000 $ 187,882 $ 350,000
New York-Jersey City-White Plains, NY-NJ 316 $ 154,490,000 $ 488,892 $ 1,564,993
Cleveland-Elyria, OH 293 $ 31,005,000 $ 105,819 $ 0
Charlotte-Concord-Gastonia, NC-SC 283 $ 39,705,000 $ 140,300 $ 250,000
Camden, NJ 278 $ 42,830,000 $ 154,064 $ 0
New York-Newark, NY 278 $ 66,890,000 $ 240,611 $ 2,140,000
Newark, NJ-PA 278 $ 62,560,000 $ 225,035 $ 0
Memphis, TN-MS-AR 261 $ 26,965,000 $ 103,314 $ 0
Nassau County-Suffolk County, NY 261 $ 113,655,000 $ 435,459 $ 1,195,000
Kansas City, MO-KS 257 $ 36,055,000 $ 140,291 $ 3,190,000
Columbus, OH 246 $ 30,500,000 $ 123,983 $ 0
Cincinnati, OH-KY-IN 233 $ 27,985,000 $ 120,107 $ 0
Baton Rouge, LA 230 $ 33,440,000 $ 145,391 $ 0
Las Vegas-Henderson-Paradise, NV 230 $ 62,520,000 $ 271,826 $ 2,130,000
New Orleans-Metairie, LA 227 $ 31,355,000 $ 138,127 $ 0
Warren-Troy-Farmington Hills, MI 227 $ 31,715,000 $ 139,713 $ 0
Minneapolis-St. Paul-Bloomington, MN-WI 223 $ 40,975,000 $ 183,744 $ 790,000
Virginia Beach-Norfolk-Newport News, VA-NC 217 $ 38,075,000 $ 175,460 $ 0
Pittsburgh, PA 211 $ 20,845,000 $ 98,791 $ 0
Birmingham-Hoover, AL 206 $ 23,540,000 $ 114,271 $ 0
Nashville-Davidson--Murfreesboro--Franklin, TN 200 $ 33,060,000 $ 165,300 $ 1,146,000
Jacksonville, FL 196 $ 31,650,000 $ 161,479 $ 362,000
Gary, IN 192 $ 24,460,000 $ 127,395 $ 0
Austin-Round Rock, TX 188 $ 38,220,000 $ 203,297 $ 314,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 181 $ 37,075,000 $ 204,834 $ 1,417,000
Detroit-Dearborn-Livonia, MI 177 $ 18,685,000 $ 105,564 $ 0
Lakeland-Winter Haven, FL 174 $ 32,250,000 $ 185,344 $ 0
Louisville/Jefferson County, KY-IN 162 $ 20,810,000 $ 128,456 $ 1,781,000
Miami-Miami Beach-Kendall, FL 154 $ 44,930,000 $ 291,753 $ 1,264,000
Little Rock-North Little Rock-Conway, AR 148 $ 15,870,000 $ 107,229 $ 0
Montgomery County-Bucks County-Chester County, PA 146 $ 27,840,000 $ 190,684 $ 0
El Paso, TX 144 $ 16,700,000 $ 115,972 $ 0
Elgin, IL 144 $ 26,360,000 $ 183,055 $ 0
Columbia, SC 142 $ 17,900,000 $ 126,056 $ 0
Richmond, VA 139 $ 20,645,000 $ 148,525 $ 0
Hartford-West Hartford-East Hartford, CT 135 $ 22,855,000 $ 169,296 $ 0
Wilmington, DE-MD-NJ 132 $ 20,660,000 $ 156,515 $ 0
Providence-Warwick, RI-MA 129 $ 30,195,000 $ 234,069 $ 857,000
Sacramento--Roseville--Arden-Arcade, CA 126 $ 43,230,000 $ 343,095 $ 734,000
Allentown-Bethlehem-Easton, PA-NJ 119 $ 18,975,000 $ 159,453 $ 0
McAllen-Edinburg-Mission, TX 118 $ 13,760,000 $ 116,610 $ 0
West Palm Beach-Boca Raton-Delray Beach, FL 117 $ 30,825,000 $ 263,461 $ 1,259,000
Tucson, AZ 116 $ 18,450,000 $ 159,051 $ 160,000
Rochester, NY 115 $ 10,375,000 $ 90,217 $ 0
New Haven-Milford, CT 112 $ 18,290,000 $ 163,303 $ 0
Raleigh, NC 111 $ 16,815,000 $ 151,486 $ 0
Bakersfield, CA 107 $ 19,675,000 $ 183,878 $ 0
Albuquerque, NM 106 $ 19,940,000 $ 188,113 $ 167,000
Dayton-Springfield-Kettering, OH 105 $ 10,445,000 $ 99,476 $ 0
Wichita, KS 105 $ 10,035,000 $ 95,571 $ 116,000
San Diego-Carlsbad, CA 99 $ 58,365,000 $ 589,545 $ 1,670,000
Buffalo-Cheektowaga-Niagara Falls, NY 98 $ 8,160,000 $ 83,265 $ 0
Grand Rapids-Wyoming, MI 94 $ 11,360,000 $ 120,851 $ 873,000
Albany-Schenectady-Troy, NY 93 $ 12,705,000 $ 136,612 $ 0
Seattle-Bellevue-Everett, WA 92 $ 28,480,000 $ 309,565 $ 271,000
Shreveport-Bossier City, LA 92 $ 12,790,000 $ 139,021 $ 137,000
Jackson, MS 91 $ 10,265,000 $ 112,802 $ 0
Boston, MA 90 $ 26,060,000 $ 289,555 $ 358,000
Lake County-Kenosha County, IL-WI 90 $ 15,000,000 $ 166,666 $ 2,793,000
Omaha-Council Bluffs, NE-IA 90 $ 12,620,000 $ 140,222 $ 0
Portland-Vancouver-Hillsboro, OR-WA 90 $ 24,940,000 $ 277,111 $ 0
Santa Maria-Santa Barbara, CA 90 $ 125,990,000 $ 1,399,888 $ 810,000
Tacoma-Lakewood, WA 89 $ 21,405,000 $ 240,505 $ 0
Charleston-North Charleston, SC 88 $ 15,200,000 $ 172,727 $ 0
Milwaukee-Waukesha-West Allis, WI 88 $ 12,380,000 $ 140,681 $ 0
Worcester, MA-CT 88 $ 17,380,000 $ 197,500 $ 0
Syracuse, NY 86 $ 6,590,000 $ 76,627 $ 0
Washington-Baltimore-Arlington, DC 86 $ 25,710,000 $ 298,953 $ 844,000
Cambridge-Newton-Framingham, MA 85 $ 27,685,000 $ 325,705 $ 80,000
Corpus Christi, TX 85 $ 10,655,000 $ 125,352 $ 535,000
Fresno, CA 85 $ 13,765,000 $ 161,941 $ 350,000
Greenville-Anderson-Mauldin, SC 85 $ 12,465,000 $ 146,647 $ 0
Deltona-Daytona Beach-Ormond Beach, FL 82 $ 15,100,000 $ 184,146 $ 2,002,000
Knoxville, TN 82 $ 9,810,000 $ 119,634 $ 0
Greensboro-High Point, NC 81 $ 8,475,000 $ 104,629 $ 0
Mobile, AL 81 $ 8,685,000 $ 107,222 $ 0
Chattanooga, TN-GA 80 $ 9,150,000 $ 114,375 $ 0
Salt Lake City, UT 80 $ 22,060,000 $ 275,750 $ 1,214,000
Cape Coral-Fort Myers, FL 78 $ 13,190,000 $ 169,102 $ 0
Winston-Salem, NC 77 $ 8,655,000 $ 112,402 $ 0
Laredo, TX 75 $ 9,555,000 $ 127,400 $ 0
Bridgeport-Stamford-Norwalk, CT 74 $ 23,330,000 $ 315,270 $ 1,847,000
Akron, OH 72 $ 7,580,000 $ 105,277 $ 0
Augusta-Richmond County, GA-SC 71 $ 7,945,000 $ 111,901 $ 0
Beaumont-Port Arthur, TX 71 $ 9,455,000 $ 133,169 $ 0
Des Moines-West Des Moines, IA 70 $ 8,470,000 $ 121,000 $ 0
Springfield, MA 69 $ 10,515,000 $ 152,391 $ 0
Fayetteville, NC 67 $ 8,945,000 $ 133,507 $ 100,000
Oakland-Hayward-Berkeley, CA 67 $ 31,475,000 $ 469,776 $ 152,000
Palm Bay-Melbourne-Titusville, FL 67 $ 9,255,000 $ 138,134 $ 0
Port St. Lucie, FL 67 $ 12,005,000 $ 179,179 $ 0
Anaheim-Santa Ana-Irvine, CA 65 $ 82,195,000 $ 1,264,538 $ 1,025,000
Lafayette, LA 65 $ 8,765,000 $ 134,846 $ 0
York-Hanover, PA 65 $ 7,855,000 $ 120,846 $ 0
Lubbock, TX 64 $ 7,850,000 $ 122,656 $ 0
Savannah, GA 64 $ 8,320,000 $ 130,000 $ 0
Toledo, OH 63 $ 7,635,000 $ 121,190 $ 848,000
Killeen-Temple, TX 62 $ 7,540,000 $ 121,612 $ 0
Vineland-Bridgeton, NJ 62 $ 8,220,000 $ 132,580 $ 38,000
North Port-Sarasota-Bradenton, FL 61 $ 10,975,000 $ 179,918 $ 218,000
Fort Wayne, IN 60 $ 5,370,000 $ 89,500 $ 0
Huntsville, AL 60 $ 6,890,000 $ 114,833 $ 0
Brownsville-Harlingen, TX 58 $ 6,800,000 $ 117,241 $ 0
Colorado Springs, CO 56 $ 14,680,000 $ 262,142 $ 0
Ocala, FL 56 $ 7,170,000 $ 128,035 $ 0
Reading, PA 56 $ 7,370,000 $ 131,607 $ 0
Midland, TX 55 $ 10,215,000 $ 185,727 $ 0
Odessa, TX 54 $ 8,540,000 $ 158,148 $ 0
Rockford, IL 54 $ 5,630,000 $ 104,259 $ 0
Harrisburg-Carlisle, PA 52 $ 6,620,000 $ 127,307 $ 0
Spartanburg, SC 52 $ 6,650,000 $ 127,884 $ 0
Flint, MI 51 $ 6,475,000 $ 126,960 $ 0
Montgomery, AL 50 $ 5,590,000 $ 111,800 $ 0
Stockton-Lodi, CA 50 $ 11,820,000 $ 236,400 $ 0
Lancaster, PA 49 $ 6,205,000 $ 126,632 $ 0
Peoria, IL 48 $ 4,140,000 $ 86,250 $ 0
Davenport-Moline-Rock Island, IA-IL 45 $ 4,305,000 $ 95,666 $ 0
Scranton--Wilkes-Barre--Hazleton, PA 45 $ 4,425,000 $ 98,333 $ 0
Evansville, IN-KY 44 $ 4,380,000 $ 99,545 $ 0
Modesto, CA 44 $ 9,950,000 $ 226,136 $ 0
Ogden-Clearfield, UT 44 $ 9,960,000 $ 226,363 $ 647,000
South Bend-Mishawaka, IN-MI 44 $ 3,250,000 $ 73,863 $ 0
Atlantic City-Hammonton, NJ 43 $ 6,435,000 $ 149,651 $ 0
Clarksville, TN-KY 43 $ 7,015,000 $ 163,139 $ 0
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 42 $ 6,790,000 $ 161,666 $ 0
Utica-Rome, NY 42 $ 3,260,000 $ 77,619 $ 101,000
Youngstown-Warren-Boardman, OH-PA 42 $ 4,010,000 $ 95,476 $ 0
Hagerstown-Martinsburg, MD-WV 41 $ 6,575,000 $ 160,365 $ 0
Pensacola-Ferry Pass-Brent, FL 41 $ 4,555,000 $ 111,097 $ 0
Tuscaloosa, AL 41 $ 5,175,000 $ 126,219 $ 0
Columbus, GA-AL 40 $ 4,290,000 $ 107,250 $ 0
Durham-Chapel Hill, NC 40 $ 5,010,000 $ 125,250 $ 0
Lansing-East Lansing, MI 40 $ 3,670,000 $ 91,750 $ 0
Amarillo, TX 39 $ 4,715,000 $ 120,897 $ 0
Provo-Orem, UT 39 $ 8,495,000 $ 217,820 $ 0
Trenton, NJ 39 $ 5,555,000 $ 142,435 $ 0
Warner Robins, GA 39 $ 4,365,000 $ 111,923 $ 0
Huntington-Ashland, WV-KY-OH 38 $ 3,880,000 $ 102,105 $ 0
Longview, TX 38 $ 4,250,000 $ 111,842 $ 0
Spokane-Spokane Valley, WA 38 $ 6,090,000 $ 160,263 $ 0
East Stroudsburg, PA 37 $ 6,025,000 $ 162,837 $ 0
Gulfport-Biloxi-Pascagoula, MS 37 $ 4,915,000 $ 132,837 $ 0
Houma-Thibodaux, LA 37 $ 5,295,000 $ 143,108 $ 0
Roanoke, VA 37 $ 3,385,000 $ 91,486 $ 0
Salisbury, MD-DE 37 $ 5,065,000 $ 136,891 $ 0
Santa Fe, NM 37 $ 25,195,000 $ 680,945 $ 811,000
Springfield, MO 37 $ 4,615,000 $ 124,729 $ 0
Visalia-Porterville, CA 37 $ 5,635,000 $ 152,297 $ 0
Dover, DE 36 $ 6,560,000 $ 182,222 $ 0
Tyler, TX 36 $ 5,120,000 $ 142,222 $ 80,000
Fayetteville-Springdale-Rogers, AR-MO 35 $ 4,915,000 $ 140,428 $ 0
Gainesville, FL 35 $ 3,435,000 $ 98,142 $ 0
Monroe, LA 35 $ 3,355,000 $ 95,857 $ 0
Portland-South Portland, ME 35 $ 6,865,000 $ 196,142 $ 480,000
Prescott Valley-Prescott, AZ 35 $ 13,815,000 $ 394,714 $ 322,000
Elkhart-Goshen, IN 34 $ 3,350,000 $ 98,529 $ 0
Jacksonville, NC 34 $ 5,000,000 $ 147,058 $ 0
Lake Charles, LA 34 $ 4,050,000 $ 119,117 $ 0
Macon-Bibb County, GA 34 $ 3,280,000 $ 96,470 $ 0
Vallejo-Fairfield, CA 34 $ 11,850,000 $ 348,529 $ 0
Boise City, ID 33 $ 4,785,000 $ 145,000 $ 647,000
Greeley, CO 33 $ 7,295,000 $ 221,060 $ 1,945,000
Rockingham County-Strafford County, NH 33 $ 6,875,000 $ 208,333 $ 0
Canton-Massillon, OH 32 $ 3,230,000 $ 100,937 $ 0
Hammond, LA 32 $ 4,700,000 $ 146,875 $ 0
Lexington-Fayette, KY 32 $ 3,770,000 $ 117,812 $ 0
Charleston, WV 31 $ 3,295,000 $ 106,290 $ 0
Yuma, AZ 31 $ 3,635,000 $ 117,258 $ 0
Muskegon, MI 30 $ 2,830,000 $ 94,333 $ 0
Oxnard-Thousand Oaks-Ventura, CA 30 $ 17,830,000 $ 594,333 $ 1,251,000
Waco, TX 30 $ 3,310,000 $ 110,333 $ 0
Boulder, CO 29 $ 24,455,000 $ 843,275 $ 635,000
Racine, WI 29 $ 3,155,000 $ 108,793 $ 0
Saginaw, MI 29 $ 2,625,000 $ 90,517 $ 0
Lafayette-West Lafayette, IN 27 $ 2,485,000 $ 92,037 $ 0
Tallahassee, FL 27 $ 3,475,000 $ 128,703 $ 0
Wichita Falls, TX 27 $ 2,355,000 $ 87,222 $ 0
Fort Smith, AR-OK 26 $ 1,930,000 $ 74,230 $ 0
Hickory-Lenoir-Morganton, NC 26 $ 2,810,000 $ 108,076 $ 0
Norwich-New London, CT 26 $ 4,350,000 $ 167,307 $ 0
St. Joseph, MO-KS 26 $ 2,260,000 $ 86,923 $ 0
Urban Honolulu, HI 26 $ 11,890,000 $ 457,307 $ 1,059,000
Hinesville, GA 25 $ 2,915,000 $ 116,600 $ 0
Merced, CA 25 $ 4,825,000 $ 193,000 $ 0
Michigan City-La Porte, IN 25 $ 2,335,000 $ 93,400 $ 0
Punta Gorda, FL 25 $ 3,755,000 $ 150,200 $ 0
Springfield, OH 25 $ 2,375,000 $ 95,000 $ 0
Crestview-Fort Walton Beach-Destin, FL 24 $ 3,950,000 $ 164,583 $ 301,000
Anchorage, AK 23 $ 5,345,000 $ 232,391 $ 423,000
Cedar Rapids, IA 23 $ 2,455,000 $ 106,739 $ 0
Daphne-Fairhope-Foley, AL 23 $ 3,705,000 $ 161,086 $ 0
Elizabethtown-Fort Knox, KY 23 $ 2,745,000 $ 119,347 $ 0
Jackson, TN 23 $ 2,085,000 $ 90,652 $ 0
Kingsport-Bristol-Bristol, TN-VA 23 $ 2,005,000 $ 87,173 $ 0
Salem, OR 23 $ 4,135,000 $ 179,782 $ 0
Wilmington, NC 23 $ 4,155,000 $ 180,652 $ 0
Pueblo, CO 22 $ 6,610,000 $ 300,454 $ 0
Burlington, NC 21 $ 2,485,000 $ 118,333 $ 0
California-Lexington Park, MD 21 $ 4,325,000 $ 205,952 $ 0
College Station-Bryan, TX 21 $ 4,075,000 $ 194,047 $ 0
Dothan, AL 21 $ 2,275,000 $ 108,333 $ 0
Flagstaff, AZ 21 $ 13,685,000 $ 651,666 $ 680,000
Grand Junction, CO 21 $ 3,225,000 $ 153,571 $ 99,000
Kokomo, IN 21 $ 1,995,000 $ 95,000 $ 0
Lawton, OK 21 $ 2,565,000 $ 122,142 $ 68,000
Lynchburg, VA 21 $ 2,055,000 $ 97,857 $ 0
Niles-Benton Harbor, MI 21 $ 1,825,000 $ 86,904 $ 0
Reno, NV 21 $ 6,505,000 $ 309,761 $ 0
Battle Creek, MI 20 $ 1,720,000 $ 86,000 $ 0
Kalamazoo-Portage, MI 20 $ 2,020,000 $ 101,000 $ 0
Pine Bluff, AR 20 $ 1,650,000 $ 82,500 $ 0
Abilene, TX 19 $ 2,645,000 $ 139,210 $ 0
Asheville, NC 19 $ 3,495,000 $ 183,947 $ 512,000
Decatur, AL 19 $ 1,495,000 $ 78,684 $ 0
Duluth, MN-WI 19 $ 2,015,000 $ 106,052 $ 0
Kennewick-Richland, WA 19 $ 2,635,000 $ 138,684 $ 0
Madison, WI 19 $ 2,925,000 $ 153,947 $ 0
Naples-Immokalee-Marco Island, FL 19 $ 6,355,000 $ 334,473 $ 0
Olympia-Tumwater, WA 19 $ 4,925,000 $ 259,210 $ 0
Rocky Mount, NC 19 $ 2,175,000 $ 114,473 $ 0
Farmington, NM 18 $ 2,920,000 $ 162,222 $ 0
Florence, SC 18 $ 2,560,000 $ 142,222 $ 0
Gadsden, AL 18 $ 2,200,000 $ 122,222 $ 0
Gainesville, GA 18 $ 2,990,000 $ 166,111 $ 292,000
Kankakee, IL 18 $ 2,910,000 $ 161,666 $ 0
Lincoln, NE 18 $ 3,110,000 $ 172,777 $ 0
Manchester-Nashua, NH 18 $ 3,680,000 $ 204,444 $ 0
Sierra Vista-Douglas, AZ 18 $ 2,040,000 $ 113,333 $ 47,000
Texarkana, TX-AR 18 $ 1,940,000 $ 107,777 $ 0
Victoria, TX 18 $ 1,570,000 $ 87,222 $ 0
Erie, PA 17 $ 1,775,000 $ 104,411 $ 0
Fort Collins, CO 17 $ 7,285,000 $ 428,529 $ 396,000
Green Bay, WI 17 $ 2,565,000 $ 150,882 $ 0
Springfield, IL 17 $ 1,775,000 $ 104,411 $ 0
Anniston-Oxford-Jacksonville, AL 16 $ 1,450,000 $ 90,625 $ 0
Auburn-Opelika, AL 16 $ 2,120,000 $ 132,500 $ 0
Bowling Green, KY 16 $ 1,950,000 $ 121,875 $ 0
Chambersburg-Waynesboro, PA 16 $ 2,490,000 $ 155,625 $ 0
Champaign-Urbana, IL 16 $ 1,790,000 $ 111,875 $ 0
Dalton, GA 16 $ 1,600,000 $ 100,000 $ 0
Eugene, OR 16 $ 2,670,000 $ 166,875 $ 0
Homosassa Springs, FL 16 $ 1,790,000 $ 111,875 $ 0
Mansfield, OH 16 $ 1,830,000 $ 114,375 $ 0
Monroe, MI 16 $ 2,090,000 $ 130,625 $ 0
Ann Arbor, MI 15 $ 2,285,000 $ 152,333 $ 0
Billings, MT 15 $ 2,245,000 $ 149,666 $ 0
Bremerton-Silverdale, WA 15 $ 3,085,000 $ 205,666 $ 0
Glens Falls, NY 15 $ 1,875,000 $ 125,000 $ 0
Hanford-Corcoran, CA 15 $ 3,125,000 $ 208,333 $ 0
Hilton Head Island-Bluffton-Beaufort, SC 15 $ 3,415,000 $ 227,666 $ 0
Las Cruces, NM 15 $ 2,495,000 $ 166,333 $ 0
St. Cloud, MN 15 $ 1,785,000 $ 119,000 $ 0
Yakima, WA 15 $ 2,335,000 $ 155,666 $ 0
Appleton, WI 14 $ 1,650,000 $ 117,857 $ 0
Bay City, MI 14 $ 920,000 $ 65,714 $ 0
Jackson, MI 14 $ 1,210,000 $ 86,428 $ 0
Lake Havasu City-Kingman, AZ 14 $ 2,040,000 $ 145,714 $ 0
Lewiston-Auburn, ME 14 $ 1,640,000 $ 117,142 $ 0
San Angelo, TX 14 $ 1,640,000 $ 117,142 $ 0
Sumter, SC 14 $ 1,300,000 $ 92,857 $ 0
Topeka, KS 14 $ 1,750,000 $ 125,000 $ 0
Albany, OR 13 $ 2,345,000 $ 180,384 $ 0
Bend-Redmond, OR 13 $ 4,305,000 $ 331,153 $ 0
Blacksburg-Christiansburg-Radford, VA 13 $ 1,425,000 $ 109,615 $ 0
Brunswick, GA 13 $ 1,535,000 $ 118,076 $ 0
Chico, CA 13 $ 2,145,000 $ 165,000 $ 0
Joplin, MO 13 $ 1,495,000 $ 115,000 $ 0
Morristown, TN 13 $ 1,415,000 $ 108,846 $ 0
Panama City, FL 13 $ 2,155,000 $ 165,769 $ 0
Sherman-Denison, TX 13 $ 1,645,000 $ 126,538 $ 53,000
Waterloo-Cedar Falls, IA 13 $ 1,005,000 $ 77,307 $ 0
Winchester, VA-WV 13 $ 2,545,000 $ 195,769 $ 0
Albany, GA 12 $ 1,410,000 $ 117,500 $ 0
Altoona, PA 12 $ 1,070,000 $ 89,166 $ 0
Beckley, WV 12 $ 1,480,000 $ 123,333 $ 0
Goldsboro, NC 12 $ 1,740,000 $ 145,000 $ 0
Greenville, NC 12 $ 1,200,000 $ 100,000 $ 0
Madera, CA 12 $ 2,280,000 $ 190,000 $ 0
Muncie, IN 12 $ 840,000 $ 70,000 $ 0
Sebastian-Vero Beach, FL 12 $ 1,690,000 $ 140,833 $ 1,030,000
Wausau, WI 12 $ 1,530,000 $ 127,500 $ 0
Athens-Clarke County, GA 11 $ 1,725,000 $ 156,818 $ 0
Bangor, ME 11 $ 1,335,000 $ 121,363 $ 0
Bloomington, IN 11 $ 1,255,000 $ 114,090 $ 0
Carbondale-Marion, IL 11 $ 1,005,000 $ 91,363 $ 0
Columbus, IN 11 $ 1,325,000 $ 120,454 $ 0
Florence-Muscle Shoals, AL 11 $ 1,335,000 $ 121,363 $ 0
Hattiesburg, MS 11 $ 1,195,000 $ 108,636 $ 0
Janesville-Beloit, WI 11 $ 1,155,000 $ 105,000 $ 0
Jefferson City, MO 11 $ 1,135,000 $ 103,181 $ 0
Johnson City, TN 11 $ 1,545,000 $ 140,454 $ 0
Medford, OR 11 $ 2,425,000 $ 220,454 $ 0
Redding, CA 11 $ 1,925,000 $ 175,000 $ 0
Rochester, MN 11 $ 1,645,000 $ 149,545 $ 0
Salinas, CA 11 $ 4,725,000 $ 429,545 $ 0
Sioux City, IA-NE-SD 11 $ 1,245,000 $ 113,181 $ 0
Terre Haute, IN 11 $ 1,065,000 $ 96,818 $ 0
Weirton-Steubenville, WV-OH 11 $ 775,000 $ 70,454 $ 0
Alexandria, LA 10 $ 1,420,000 $ 142,000 $ 0
Cleveland, TN 10 $ 810,000 $ 81,000 $ 0
Coeur D'Alene, ID 10 $ 11,150,000 $ 1,115,000 $ 1,566,000
El Centro, CA 10 $ 1,380,000 $ 138,000 $ 0
Elmira, NY 10 $ 1,060,000 $ 106,000 $ 0
Kingston, NY 10 $ 1,570,000 $ 157,000 $ 0
Lebanon, PA 10 $ 1,210,000 $ 121,000 $ 0
Midland, MI 10 $ 910,000 $ 91,000 $ 0
Santa Rosa, CA 10 $ 3,810,000 $ 381,000 $ 0
Sebring, FL 10 $ 930,000 $ 93,000 $ 0
Binghamton, NY 9 $ 605,000 $ 67,222 $ 0
Cheyenne, WY 9 $ 1,295,000 $ 143,888 $ 0
Columbia, MO 9 $ 1,125,000 $ 125,000 $ 0
Decatur, IL 9 $ 775,000 $ 86,111 $ 0
Manhattan, KS 9 $ 1,455,000 $ 161,666 $ 0
New Bern, NC 9 $ 1,115,000 $ 123,888 $ 0
Ocean City, NJ 9 $ 1,645,000 $ 182,777 $ 0
Parkersburg-Vienna, WV 9 $ 1,105,000 $ 122,777 $ 0
Wheeling, WV-OH 9 $ 1,305,000 $ 145,000 $ 0
Bloomsburg-Berwick, PA 8 $ 870,000 $ 108,750 $ 0
Charlottesville, VA 8 $ 1,360,000 $ 170,000 $ 0
Fargo, ND-MN 8 $ 1,330,000 $ 166,250 $ 0
Hot Springs, AR 8 $ 620,000 $ 77,500 $ 0
Jonesboro, AR 8 $ 1,200,000 $ 150,000 $ 0
Lima, OH 8 $ 770,000 $ 96,250 $ 0
Longview, WA 8 $ 1,820,000 $ 227,500 $ 0
Owensboro, KY 8 $ 950,000 $ 118,750 $ 0
San Francisco-Redwood City-South San Francisco, CA 8 $ 11,280,000 $ 1,410,000 $ 1,031,000
San Juan-Carolina-Caguas, PR 8 $ 750,000 $ 93,750 $ 0
St. George, UT 8 $ 1,740,000 $ 217,500 $ 0
Williamsport, PA 8 $ 810,000 $ 101,250 $ 0
Bellingham, WA 7 $ 1,875,000 $ 267,857 $ 234,000
Danville, IL 7 $ 395,000 $ 56,428 $ 0
Enid, OK 7 $ 405,000 $ 57,857 $ 17,000
Idaho Falls, ID 7 $ 1,035,000 $ 147,857 $ 0
Johnstown, PA 7 $ 705,000 $ 100,714 $ 0
Mount Vernon-Anacortes, WA 7 $ 2,195,000 $ 313,571 $ 0
Pocatello, ID 7 $ 885,000 $ 126,428 $ 0
San Jose-Sunnyvale-Santa Clara, CA 7 $ 3,655,000 $ 522,142 $ 0
San Luis Obispo-Paso Robles-Arroyo Grande, CA 7 $ 3,525,000 $ 503,571 $ 0
Twin Falls, ID 7 $ 625,000 $ 89,285 $ 0
Ames, IA 6 $ 770,000 $ 128,333 $ 0
Cape Girardeau, MO-IL 6 $ 610,000 $ 101,666 $ 0
Gettysburg, PA 6 $ 1,080,000 $ 180,000 $ 0
Grants Pass, OR 6 $ 1,210,000 $ 201,666 $ 0
Rome, GA 6 $ 740,000 $ 123,333 $ 0
Valdosta, GA 6 $ 590,000 $ 98,333 $ 0
Yuba City, CA 6 $ 1,060,000 $ 176,666 $ 0
Barnstable Town, MA 5 $ 4,375,000 $ 875,000 $ 350,000
Grand Island, NE 5 $ 515,000 $ 103,000 $ 0
Lewiston, ID-WA 5 $ 565,000 $ 113,000 $ 0
Mankato-North Mankato, MN 5 $ 655,000 $ 131,000 $ 0
Oshkosh-Neenah, WI 5 $ 565,000 $ 113,000 $ 0
Rapid City, SD 5 $ 705,000 $ 141,000 $ 0
Santa Cruz-Watsonville, CA 5 $ 2,305,000 $ 461,000 $ 0
Sheboygan, WI 5 $ 875,000 $ 175,000 $ 0
Sioux Falls, SD 5 $ 775,000 $ 155,000 $ 0
State College, PA 5 $ 685,000 $ 137,000 $ 0
Staunton-Waynesboro, VA 5 $ 445,000 $ 89,000 $ 0
Watertown-Fort Drum, NY 5 $ 415,000 $ 83,000 $ 0
Bloomington, IL 4 $ 410,000 $ 102,500 $ 0
Burlington-South Burlington, VT 4 $ 590,000 $ 147,500 $ 0
Casper, WY 4 $ 690,000 $ 172,500 $ 0
Dubuque, IA 4 $ 500,000 $ 125,000 $ 0
Eau Claire, WI 4 $ 430,000 $ 107,500 $ 0
Fond Du Lac, WI 4 $ 460,000 $ 115,000 $ 0
Harrisonburg, VA 4 $ 450,000 $ 112,500 $ 0
Kahului-Wailuku-Lahaina, HI 4 $ 1,650,000 $ 412,500 $ 0
Logan, UT-ID 4 $ 690,000 $ 172,500 $ 0
Missoula, MT 4 $ 1,560,000 $ 390,000 $ 327,000
Morgantown, WV 4 $ 580,000 $ 145,000 $ 0
Pittsfield, MA 4 $ 590,000 $ 147,500 $ 0
San Rafael, CA 4 $ 3,630,000 $ 907,500 $ 922,000
Grand Forks, ND-MN 3 $ 505,000 $ 168,333 $ 0
Iowa City, IA 3 $ 395,000 $ 131,666 $ 0
La Crosse-Onalaska, WI-MN 3 $ 425,000 $ 141,666 $ 0
The Villages, FL 3 $ 295,000 $ 98,333 $ 0
Wenatchee, WA 3 $ 705,000 $ 235,000 $ 0
Bismarck, ND 2 $ 430,000 $ 215,000 $ 0
Cumberland, MD-WV 2 $ 170,000 $ 85,000 $ 0
Fairbanks, AK 2 $ 320,000 $ 160,000 $ 0
Great Falls, MT 2 $ 300,000 $ 150,000 $ 0
Napa, CA 2 $ 760,000 $ 380,000 $ 702,000
Walla Walla, WA 2 $ 280,000 $ 140,000 $ 0
Carson City, NV 1 $ 215,000 $ 215,000 $ 0
Corvallis, OR 1 $ 255,000 $ 255,000 $ 0
Ithaca, NY 1 $ 95,000 $ 95,000 $ 0
Lawrence, KS 1 $ 205,000 $ 205,000 $ 0
Ponce, PR 1 $ 55,000 $ 55,000 $ 0

Mortgage Loan Application Detail Totals for Midfirst Bank in 2022

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
Not Applicable 19,994 $2,460,310,000 $123,000 $695,000 $0 $0
Home Purchase 9,810 $3,251,520,000 $331,000 $14,345,000 $387,000 $9,015,000
Refinancing 2,650 $1,020,030,000 $384,000 $23,625,000 $364,000 $4,363,000
Cash-out Refinancing 913 $201,565,000 $220,000 $1,075,000 $106,000 $1,204,000
Other Purpose 623 $174,445,000 $280,000 $8,745,000 $433,000 $6,398,000
Home Improvement 520 $77,260,000 $148,000 $5,005,000 $267,000 $3,317,000

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 31,661 $5,754,805,000 $181,000 $23,625,000 $53,000 $182,000
White 1,688 $890,180,000 $527,000 $7,005,000 $469,000 $9,015,000
Not Provided 370 $303,100,000 $819,000 $15,005,000 $472,000 $7,200,000
Hispanic 352 $95,020,000 $269,000 $2,215,000 $159,000 $3,916,000
Black or African American 246 $54,080,000 $219,000 $10,755,000 $121,000 $1,702,000
Asian 115 $72,645,000 $631,000 $6,005,000 $463,000 $3,809,000
American Indian or Alaskan Native 60 $6,850,000 $114,000 $1,165,000 $136,000 $2,052,000
Native Hawaiian or Other Pacific Islander 2 $110,000 $55,000 $75,000 $36,000 $36,000

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) 27,471 $4,118,895,000 $149,000 $1,105,000 $58,000 $253,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,350 $2,273,470,000 $678,000 $23,625,000 $412,000 $9,015,000
VA-guaranteed (Veterans Administration) 3,240 $736,330,000 $227,000 $1,265,000 $57,000 $370,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 449 $56,435,000 $125,000 $685,000 $51,000 $60,000

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 30,873 $4,875,805,000 $157,000 $1,265,000 $53,000 $182,000
Loan Originated 2,634 $1,860,230,000 $706,000 $23,625,000 $494,000 $9,015,000
Application Denied By Financial Institution 585 $123,935,000 $211,000 $15,005,000 $118,000 $4,080,000
Application Withdrawn By Applicant 343 $238,205,000 $694,000 $12,405,000 $351,000 $7,200,000
Application Approved But Not Accepted 60 $82,110,000 $1,368,000 $7,005,000 $705,000 $3,050,000
Preapproval Approved but not Accepted 14 $4,740,000 $338,000 $745,000 $77,000 $180,000
File Closed For Incompleteness 1 $105,000 $105,000 $105,000 $83,000 $83,000
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
Not applicable 33,925 $7,061,195,000 $208,000 $23,625,000 $396,000 $9,015,000
Debt-To-Income Ratio 189 $51,085,000 $270,000 $6,005,000 $98,000 $1,349,000
Credit History 152 $17,520,000 $115,000 $3,305,000 $106,000 $1,440,000
Collateral 99 $22,415,000 $226,000 $6,125,000 $192,000 $4,080,000
Other 87 $6,955,000 $79,000 $755,000 $98,000 $600,000
Credit Application Incomplete 45 $22,255,000 $494,000 $15,005,000 $0 $0
Unverifiable Information 8 $1,720,000 $215,000 $455,000 $84,000 $144,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,485,000 $495,000 $685,000 $120,000 $195,000
Employment History 2 $500,000 $250,000 $385,000 $69,000 $101,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Midfirst Bank's 2022 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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