Valor Bank Mortgage Lending & HMDA Data, 2023
In 2023, Valor Bank of Edmond, OK reported 433 mortgage applications totaling $122.8 million, down 10% from 2022. The average application was for $283,545, and applicants reported an average income of $233,376. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oklahoma City, OK (406), Tulsa, OK (4) and Cape Coral-Fort Myers, FL (2) (applications in parentheses).
| Mortgage Company & Address | Valor Bank 1501 Renaissance Blvd Edmond, OK 73013 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 433 |
| Total Mortgage Loan Application Amount | $122,775,000 |
| Average Mortgage Loan Application Amount | $283,545 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $233,376 |
| Highest Applicant Income | $2,750,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Valor Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Valor Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 338 | $99,330,000 | $293,000 | $2,005,000 | $230,000 | $2,750,000 |
| Refinancing | 59 | $18,245,000 | $309,000 | $975,000 | $284,000 | $1,296,000 |
| Home Improvement | 21 | $2,885,000 | $137,000 | $265,000 | $183,000 | $466,000 |
| Cash-out Refinancing | 8 | $1,660,000 | $207,000 | $725,000 | $207,000 | $646,000 |
| Other Purpose | 7 | $655,000 | $93,000 | $355,000 | $151,000 | $296,000 |
| 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 | 208 | $68,040,000 | $327,000 | $2,005,000 | $241,000 | $2,750,000 |
| Not applicable | 153 | $36,555,000 | $238,000 | $975,000 | $0 | $0 |
| Not Provided | 18 | $5,030,000 | $279,000 | $505,000 | $171,000 | $313,000 |
| American Indian or Alaskan Native | 15 | $3,895,000 | $259,000 | $605,000 | $119,000 | $221,000 |
| Asian | 14 | $4,220,000 | $301,000 | $725,000 | $335,000 | $834,000 |
| Hispanic | 13 | $2,975,000 | $228,000 | $435,000 | $183,000 | $460,000 |
| Black or African American | 12 | $2,060,000 | $171,000 | $495,000 | $220,000 | $441,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 430 | $121,880,000 | $283,000 | $2,005,000 | $232,000 | $2,750,000 |
| VA-guaranteed (Veterans Administration) | 2 | $410,000 | $205,000 | $285,000 | $89,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 1 | $485,000 | $485,000 | $485,000 | $200,000 | $200,000 |
| 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 | 367 | $103,785,000 | $282,000 | $2,005,000 | $245,000 | $2,750,000 |
| Application Approved But Not Accepted | 37 | $10,525,000 | $284,000 | $635,000 | $190,000 | $547,000 |
| Application Withdrawn By Applicant | 20 | $6,030,000 | $301,000 | $725,000 | $152,000 | $313,000 |
| Application Denied By Financial Institution | 9 | $2,435,000 | $270,000 | $725,000 | $148,000 | $646,000 |
| File Closed For Incompleteness | 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 |
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 | 424 | $120,340,000 | $283,000 | $2,005,000 | $233,000 | $2,750,000 |
| Other | 4 | $1,550,000 | $387,000 | $725,000 | $300,000 | $646,000 |
| Debt-To-Income Ratio | 4 | $760,000 | $190,000 | $525,000 | $60,000 | $116,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $44,000 | $44,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Valor Bank'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 Valor 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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