Raystar Mortgage Group Inc Mortgage Lending & HMDA Data, 2021
In 2021, Raystar Mortgage Group Inc of Tulsa, OK reported 7 mortgage applications totaling $1.9 million, down 56% from 2020. The average application was for $272,142, and applicants reported an average income of $81,857. 0% of its applications resulted in an originated loan and 71% were denied. Its largest markets were Tulsa, OK (5) and Oklahoma City, OK (1).
| Mortgage Company & Address | Raystar Mortgage Group Inc 9404 S Delaware Ave #5616 Tulsa, OK 74137 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 |
| Total Number of Mortgage Applications | 7 |
| Total Mortgage Loan Application Amount | $1,905,000 |
| Average Mortgage Loan Application Amount | $272,142 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $81,857 |
| Highest Applicant Income | $163,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Raystar Mortgage Group Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa, Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 57,000 |
| Canadian, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Creek, Oklahoma | 1 | $ 455,000 | $ 455,000 | $ 163,000 |
| Rogers, Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Raystar Mortgage Group Inc in 2021
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 | 6 | $1,540,000 | $256,000 | $455,000 | $79,000 | $163,000 |
| Cash-out Refinancing | 1 | $365,000 | $365,000 | $365,000 | $99,000 | $99,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 5 | $1,575,000 | $315,000 | $455,000 | $97,000 | $163,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $48,000 | $48,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 4 | $840,000 | $210,000 | $395,000 | $53,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 2 | $610,000 | $305,000 | $365,000 | $97,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 1 | $455,000 | $455,000 | $455,000 | $163,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 5 | $1,265,000 | $253,000 | $455,000 | $77,000 | $163,000 |
| Application Withdrawn By Applicant | 1 | $245,000 | $245,000 | $245,000 | $96,000 | $96,000 |
| File Closed For Incompleteness | 1 | $395,000 | $395,000 | $395,000 | $90,000 | $90,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 3 | $735,000 | $245,000 | $455,000 | $82,000 | $163,000 |
| Not applicable | 2 | $640,000 | $320,000 | $395,000 | $93,000 | $96,000 |
| Credit Application Incomplete | 1 | $365,000 | $365,000 | $365,000 | $99,000 | $99,000 |
| Debt-To-Income Ratio | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Raystar Mortgage Group Inc's 2021 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 Raystar Mortgage Group Inc'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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