Oklahoma
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 165,463
Total Mortgage Loan Application Amount $24,204,971,000
Average Mortgage Loan Application Amount $146,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $74,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for Oklahoma in 2016

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 83,139 $13,083,428,000 $157,000 $48,000,000 $72,000 $7,371,000
Refinancing 63,815 $10,241,046,000 $160,000 $99,999,000 $77,000 $9,999,000
Home Improvement 18,509 $880,497,000 $47,000 $10,850,000 $77,000 $3,274,000

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
White 105,406 $15,180,306,000 $144,000 $99,999,000 $87,000 $9,999,000
Not applicable 19,963 $3,692,891,000 $184,000 $48,000,000 $11,000 $1,567,000
Not Provided 11,759 $1,744,318,000 $148,000 $10,001,000 $81,000 $3,595,000
American Indian or Alaskan Native 10,017 $1,245,394,000 $124,000 $1,458,000 $73,000 $3,274,000
Hispanic 7,893 $881,267,000 $111,000 $1,320,000 $62,000 $1,516,000
Black or African American 6,766 $845,930,000 $125,000 $1,900,000 $63,000 $6,776,000
Asian 3,168 $544,553,000 $171,000 $2,600,000 $94,000 $1,877,000
Native Hawaiin or Other Pacific Islander 491 $70,312,000 $143,000 $1,500,000 $95,000 $3,996,000

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) 104,292 $15,149,300,000 $145,000 $99,999,000 $91,000 $9,999,000
FHA-insured (Federal Housing Administration) 36,763 $4,880,072,000 $132,000 $23,047,000 $44,000 $6,776,000
VA-guaranteed (Veterans Administration) 19,830 $3,633,019,000 $183,000 $1,440,000 $54,000 $1,200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4,578 $542,580,000 $118,000 $918,000 $34,000 $261,000

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 Originated 84,730 $12,894,006,000 $152,000 $48,000,000 $84,000 $9,999,000
Application Denied By Financial Institution 31,663 $3,907,270,000 $123,000 $99,999,000 $69,000 $9,999,000
Loan Purchased By The Institution 24,253 $3,768,735,000 $155,000 $4,896,000 $41,000 $3,274,000
Application Withdrawn By Applicant 13,932 $2,201,048,000 $157,000 $12,307,000 $84,000 $5,798,000
File Closed For Incompleteness 5,875 $758,982,000 $129,000 $2,590,000 $69,000 $6,776,000
Application Approved But Not Accepted 5,002 $673,789,000 $134,000 $5,897,000 $85,000 $3,996,000
Preapproval Approved but not Accepted 4 $690,000 $172,000 $230,000 $73,000 $86,000
Preapproval Denied by Financial Institution 4 $451,000 $112,000 $156,000 $47,000 $59,000

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
Credit History 3,823 $351,458,000 $91,000 $10,001,000 $68,000 $1,488,000
Debt-To-Income Ratio 3,174 $420,544,000 $132,000 $2,000,000 $61,000 $9,999,000
Collateral 2,111 $291,833,000 $138,000 $3,535,000 $80,000 $1,395,000
Credit Application Incomplete 1,601 $244,607,000 $152,000 $14,000,000 $71,000 $1,320,000
Other 1,012 $140,817,000 $139,000 $8,660,000 $70,000 $2,000,000
Unverifiable Information 533 $65,556,000 $122,000 $1,498,000 $93,000 $1,570,000
Insufficient Cash (Downpayment, Closing Cost) 356 $49,278,000 $138,000 $1,750,000 $73,000 $3,340,000
Employment History 230 $29,511,000 $128,000 $565,000 $62,000 $300,000
Mortgage Insurance Denied 19 $1,448,000 $76,000 $220,000 $93,000 $208,000
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Mortgage Loan Application Totals in 2016 by Oklahoma Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
LAWTON, OK 4,938 $ 658,259,000 $ 133,000 $ 64,000
OKLAHOMA CITY, OK 70,702 $ 11,120,641,000 $ 157,000 $ 77,000
TULSA, OK 44,450 $ 7,063,605,000 $ 158,000 $ 78,000
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Mortgage Loan Application Totals in 2016 by Oklahoma County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adair 406 $ 38,130,000 $ 93,000 $ 53,000
Alfalfa 93 $ 9,354,000 $ 100,000 $ 66,000
Atoka 219 $ 35,944,000 $ 164,000 $ 73,000
Beaver 119 $ 12,655,000 $ 106,000 $ 71,000
Beckham 737 $ 94,018,000 $ 127,000 $ 76,000
Blaine 235 $ 21,534,000 $ 91,000 $ 54,000
Bryan 1,409 $ 170,729,000 $ 121,000 $ 65,000
Caddo 580 $ 53,931,000 $ 92,000 $ 60,000
Canadian 9,584 $ 1,473,552,000 $ 153,000 $ 70,000
Carter 1,918 $ 235,762,000 $ 122,000 $ 68,000
Cherokee 1,635 $ 195,269,000 $ 119,000 $ 66,000
Choctaw 238 $ 27,064,000 $ 113,000 $ 71,000
Cimarron 12 $ 1,020,000 $ 85,000 $ 74,000
Cleveland 15,200 $ 2,350,704,000 $ 154,000 $ 75,000
Coal 85 $ 8,262,000 $ 97,000 $ 52,000
Comanche 4,748 $ 641,070,000 $ 135,000 $ 64,000
Cotton 202 $ 18,093,000 $ 89,000 $ 58,000
Craig 356 $ 34,450,000 $ 96,000 $ 58,000
Creek 3,084 $ 405,090,000 $ 131,000 $ 70,000
Custer 834 $ 114,215,000 $ 136,000 $ 73,000
Delaware 1,767 $ 266,280,000 $ 150,000 $ 87,000
Dewey 117 $ 14,189,000 $ 121,000 $ 67,000
Ellis 109 $ 13,195,000 $ 121,000 $ 61,000
Garfield 2,371 $ 305,096,000 $ 128,000 $ 72,000
Garvin 736 $ 76,536,000 $ 103,000 $ 65,000
Grady 2,543 $ 347,485,000 $ 136,000 $ 70,000
Grant 88 $ 12,548,000 $ 142,000 $ 136,000
Greer 140 $ 12,626,000 $ 90,000 $ 82,000
Harmon 52 $ 5,719,000 $ 109,000 $ 70,000
Harper 68 $ 7,532,000 $ 110,000 $ 62,000
Haskell 237 $ 30,334,000 $ 127,000 $ 67,000
Hughes 290 $ 22,716,000 $ 78,000 $ 60,000
Jackson 940 $ 122,708,000 $ 130,000 $ 63,000
Jefferson 143 $ 14,054,000 $ 98,000 $ 83,000
Johnston 276 $ 26,117,000 $ 94,000 $ 56,000
Kay 1,194 $ 122,661,000 $ 102,000 $ 57,000
Kingfisher 590 $ 78,325,000 $ 132,000 $ 67,000
Kiowa 232 $ 22,702,000 $ 97,000 $ 70,000
Latimer 207 $ 20,297,000 $ 98,000 $ 68,000
Le Flore 1,662 $ 167,782,000 $ 100,000 $ 63,000
Lincoln 1,358 $ 140,332,000 $ 103,000 $ 66,000
Logan 2,716 $ 453,364,000 $ 166,000 $ 78,000
Love 284 $ 38,253,000 $ 134,000 $ 61,000
Major 135 $ 12,817,000 $ 94,000 $ 71,000
Marshall 594 $ 65,376,000 $ 110,000 $ 77,000
Mayes 1,428 $ 171,598,000 $ 120,000 $ 66,000
McClain 2,180 $ 338,105,000 $ 155,000 $ 77,000
McCurtain 539 $ 80,729,000 $ 149,000 $ 96,000
McIntosh 639 $ 77,233,000 $ 120,000 $ 79,000
Murray 548 $ 64,089,000 $ 116,000 $ 78,000
Muskogee 2,521 $ 266,414,000 $ 105,000 $ 61,000
Noble 204 $ 25,581,000 $ 125,000 $ 55,000
Nowata 271 $ 24,275,000 $ 89,000 $ 54,000
Okfuskee 259 $ 22,924,000 $ 88,000 $ 62,000
Oklahoma 37,314 $ 6,036,664,000 $ 161,000 $ 80,000
Okmulgee 1,301 $ 127,627,000 $ 98,000 $ 64,000
Osage 1,817 $ 343,889,000 $ 189,000 $ 69,000
Ottawa 809 $ 79,172,000 $ 97,000 $ 52,000
Pawnee 615 $ 61,961,000 $ 100,000 $ 60,000
Payne 2,451 $ 372,505,000 $ 151,000 $ 88,000
Pittsburg 1,534 $ 177,568,000 $ 115,000 $ 75,000
Pontotoc 1,401 $ 176,948,000 $ 126,000 $ 81,000
Pottawatomie 2,862 $ 295,898,000 $ 103,000 $ 63,000
Pushmataha 169 $ 19,749,000 $ 116,000 $ 75,000
Roger Mills 59 $ 6,340,000 $ 107,000 $ 66,000
Rogers 4,931 $ 777,053,000 $ 157,000 $ 75,000
Seminole 703 $ 61,749,000 $ 87,000 $ 60,000
Sequoyah 1,460 $ 153,938,000 $ 105,000 $ 57,000
Stephens 1,655 $ 178,258,000 $ 107,000 $ 68,000
Texas 369 $ 46,667,000 $ 126,000 $ 63,000
Tillman 176 $ 11,719,000 $ 66,000 $ 50,000
Tulsa 28,311 $ 4,706,838,000 $ 166,000 $ 83,000
Wagoner 4,584 $ 656,030,000 $ 143,000 $ 67,000
Washington 2,268 $ 285,188,000 $ 125,000 $ 65,000
Washita 293 $ 25,970,000 $ 88,000 $ 59,000
Woods 265 $ 28,770,000 $ 108,000 $ 57,000
Woodward 655 $ 87,429,000 $ 133,000 $ 70,000
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