Oklahoma's Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Oklahoma's Credit Union 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Oklahoma's Credit Union Po Box 24027 Oklahoma City, OK 73124 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 634 |
| Total Mortgage Loan Application Amount | $75,810,000 |
| Average Mortgage Loan Application Amount | $219,800 |
| Highest Mortgage Loan Application Amount | $3,125,000 |
| Average Applicant Income | $129,800 |
| Highest Applicant Income | $819,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Oklahoma's Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Oklahoma's Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Oklahoma's Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Oklahoma's Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Oklahoma's Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Oklahoma's Credit Union's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 312 | $ 39,100,000 | $ 125,000 | $ 102,000 |
| Cleveland County Oklahoma | 77 | $ 8,295,000 | $ 107,000 | $ 109,000 |
| Canadian County Oklahoma | 49 | $ 8,055,000 | $ 164,000 | $ 101,000 |
| Tulsa County Oklahoma | 22 | $ 2,100,000 | $ 95,000 | $ 137,000 |
| Grady County Oklahoma | 20 | $ 3,450,000 | $ 172,000 | $ 94,000 |
| Logan County Oklahoma | 17 | $ 2,025,000 | $ 119,000 | $ 129,000 |
| McClain County Oklahoma | 16 | $ 1,910,000 | $ 119,000 | $ 122,000 |
| Osage County Oklahoma | 10 | $ 530,000 | $ 53,000 | $ 89,000 |
| Pottawatomie County Oklahoma | 8 | $ 640,000 | $ 80,000 | $ 94,000 |
| Payne County Oklahoma | 7 | $ 855,000 | $ 122,000 | $ 152,000 |
| Kingfisher County Oklahoma | 5 | $ 805,000 | $ 161,000 | $ 145,000 |
| Pushmataha County Oklahoma | 5 | $ 295,000 | $ 59,000 | $ 91,000 |
| Comanche County Oklahoma | 4 | $ 860,000 | $ 215,000 | $ 89,000 |
| Custer County Oklahoma | 4 | $ 200,000 | $ 50,000 | $ 77,000 |
| Lincoln County Oklahoma | 4 | $ 160,000 | $ 40,000 | $ 72,000 |
| Seminole County Oklahoma | 4 | $ 240,000 | $ 60,000 | $ 70,000 |
| Woodward County Oklahoma | 4 | $ 200,000 | $ 50,000 | $ 59,000 |
| Choctaw County Oklahoma | 3 | $ 95,000 | $ 31,000 | $ 70,000 |
| Craig County Oklahoma | 3 | $ 75,000 | $ 25,000 | $ 55,000 |
| Le Flore County Oklahoma | 3 | $ 255,000 | $ 85,000 | $ 136,000 |
| Murray County Oklahoma | 3 | $ 435,000 | $ 145,000 | $ 88,000 |
| Pontotoc County Oklahoma | 3 | $ 455,000 | $ 151,000 | $ 139,000 |
| Wagoner County Oklahoma | 3 | $ 435,000 | $ 145,000 | $ 100,000 |
| Woods County Oklahoma | 3 | $ 725,000 | $ 241,000 | $ 118,000 |
| Beckham County Oklahoma | 2 | $ 260,000 | $ 130,000 | $ 72,000 |
| Creek County Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 83,000 |
| Delaware County Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 165,000 |
| Kay County Oklahoma | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| McCurtain County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Pittsburg County Oklahoma | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Rogers County Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 102,000 |
| Sequoyah County Oklahoma | 2 | $ 100,000 | $ 50,000 | $ 158,000 |
| Stephens County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 67,000 |
| Atoka County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 188,000 |
| Beaver County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Carter County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Cherokee County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Coal County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Garfield County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Harmon County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Harper County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 134,000 |
| Haskell County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Jackson County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Johnston County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Mayes County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Okfuskee County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Texas County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for Oklahoma's Credit Union in 2023
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 232 | $10,640,000 | $45,000 | $255,000 | $111,000 | $498,000 |
| Cash-out Refinancing | 157 | $16,235,000 | $103,000 | $505,000 | $85,000 | $397,000 |
| Refinancing | 126 | $24,450,000 | $194,000 | $3,125,000 | $92,000 | $177,000 |
| Home Purchase | 118 | $23,930,000 | $202,000 | $705,000 | $117,000 | $819,000 |
| Home Improvement | 1 | $555,000 | $555,000 | $555,000 | $244,000 | $244,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 371 | $34,445,000 | $92,000 | $555,000 | $109,000 | $498,000 |
| Not applicable | 74 | $21,350,000 | $288,000 | $3,125,000 | $0 | $0 |
| Black or African American | 53 | $3,445,000 | $65,000 | $295,000 | $68,000 | $169,000 |
| Not Provided | 43 | $6,185,000 | $143,000 | $705,000 | $90,000 | $321,000 |
| American Indian or Alaskan Native | 40 | $3,880,000 | $97,000 | $395,000 | $108,000 | $348,000 |
| Hispanic | 31 | $2,275,000 | $73,000 | $335,000 | $81,000 | $148,000 |
| Asian | 20 | $4,150,000 | $207,000 | $635,000 | $152,000 | $819,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $80,000 | $40,000 | $65,000 | $97,000 | $119,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 620 | $72,770,000 | $117,000 | $3,125,000 | $103,000 | $819,000 |
| FHA-insured (Federal Housing Administration) | 11 | $2,165,000 | $196,000 | $325,000 | $109,000 | $392,000 |
| VA-guaranteed (Veterans Administration) | 3 | $875,000 | $291,000 | $435,000 | $119,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 439 | $59,185,000 | $134,000 | $3,125,000 | $110,000 | $819,000 |
| Application Denied By Financial Institution | 111 | $8,185,000 | $73,000 | $505,000 | $75,000 | $204,000 |
| Application Withdrawn By Applicant | 83 | $8,235,000 | $99,000 | $385,000 | $113,000 | $498,000 |
| Preapproval Approved but not Accepted | 1 | $205,000 | $205,000 | $205,000 | $89,000 | $89,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 523 | $67,625,000 | $129,000 | $3,125,000 | $110,000 | $819,000 |
| Debt-To-Income Ratio | 57 | $4,345,000 | $76,000 | $505,000 | $70,000 | $204,000 |
| Credit History | 42 | $2,690,000 | $64,000 | $225,000 | $85,000 | $189,000 |
| Collateral | 7 | $505,000 | $72,000 | $215,000 | $65,000 | $92,000 |
| Other | 4 | $480,000 | $120,000 | $215,000 | $62,000 | $89,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oklahoma's Credit Union's 2023 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 Oklahoma's Credit Union'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.