Adair County, OK Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 632 mortgage applications in Adair County, OK totaling $97.9 million, up 25% from 2024. The average application was for $154,000, and applicants reported an average income of $82,000. 34% of applications resulted in an originated loan and 24% were denied. The most active lender was Arvest Bank, with 94 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 632 |
| Total Mortgage Loan Application Amount | $97,870,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $530,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 94 | $ 14,310,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 55 | $ 5,785,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 45 | $ 5,295,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ n/a | 45 | $ 4,635,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 34 | $ 4,150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 26 | $ 3,990,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 20 | $ 2,930,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 19 | $ 2,805,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 19 | $ 2,245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 3,460,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 3,180,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 10 | $ 1,130,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 10 | $ 3,230,000 |
| Bridgeway Lending Partners, LLC 10550 CAMDEN DRIVE, SUITE B CYPRESS, CA 90630 |
* | $ n/a | 10 | $ 2,080,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 9 | $ 1,875,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 2,005,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 7 | $ 1,185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 975,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 6 | $ 750,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,750,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,055,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 5 | $ 845,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 1,035,000 |
| Firstar Bank 1720 E CHEROKEE AVE SALLISAW, OK 74955 |
* | $ n/a | 5 | $ 565,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 775,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 1,120,000 |
| Grand Savings Bank P O BOX 451809, 1022 SOUTH MAIN GROVE, OK 74344 |
* | $ n/a | 4 | $ 780,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 370,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ n/a | 4 | $ 220,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 245,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 665,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 3 | $ 1,035,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 375,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 285,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 3 | $ 405,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 235,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ n/a | 3 | $ 735,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 3 | $ 665,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 3 | $ 615,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 495,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 30,000 |
| First Western Mortgage 80 W MAIN ST BOONEVILLE, AR 72927 |
* | $ n/a | 2 | $ 210,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 220,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 410,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 210,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 270,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 810,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 570,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 330,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 2 | $ 140,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 190,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ n/a | 2 | $ 510,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 550,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 150,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 260,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 300,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 810,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 290,000 |
| Ttcu Federal Credit Union 9815 E 81ST ST TULSA, OK 74133 |
* | $ n/a | 2 | $ 140,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 1 | $ 95,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 1 | $ 135,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 175,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 125,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 1 | $ 305,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 495,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 95,000 |
| Uark Federal Credit Union 577 S HILL AVE FAYETTEVILLE, AR 72703 |
* | $ n/a | 1 | $ 125,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 1 | $ 355,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ n/a | 1 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 75,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ n/a | 1 | $ 225,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 1 | $ 35,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 1 | $ 675,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 285,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 175,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 475,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 185,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 275,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 1 | $ 45,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 235,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 305,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 145,000 |
| Generations Bank 1325 HWY 278 BYPASS ROGERS, AR 72758 |
* | $ n/a | 1 | $ 195,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 265,000 |
| Farm Credit Services of Western Arkansas 3115 WEST SECOND COURT RUSSELLVILLE, AR 72802 |
* | $ n/a | 1 | $ 85,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 85,000 |
| Oklahoma Central Credit Union 4956 SOUTH PEORIA AVENUE 4956 S. PEORIA AVE, OK 74105 |
* | $ n/a | 1 | $ 225,000 |
| United Bank 2600 SOUTH THOMPSON SPRINGDALE, AR 72764 |
* | $ n/a | 1 | $ 185,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 305,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Adair County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Adair County, OK in 2025
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 | 361 | $57,655,000 | $159,000 | $615,000 | $83,000 | $379,000 |
| Cash-out Refinancing | 95 | $15,235,000 | $160,000 | $545,000 | $79,000 | $298,000 |
| Refinancing | 78 | $15,580,000 | $199,000 | $835,000 | $71,000 | $325,000 |
| Other Purpose | 53 | $5,665,000 | $106,000 | $455,000 | $102,000 | $530,000 |
| Home Improvement | 43 | $3,505,000 | $81,000 | $285,000 | $72,000 | $228,000 |
| Not Applicable | 2 | $230,000 | $115,000 | $125,000 | $35,000 | $35,000 |
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 | 260 | $38,630,000 | $148,000 | $575,000 | $78,000 | $379,000 |
| American Indian or Alaskan Native | 206 | $31,020,000 | $150,000 | $835,000 | $89,000 | $365,000 |
| Not Provided | 63 | $9,595,000 | $152,000 | $445,000 | $80,000 | $530,000 |
| Not applicable | 61 | $11,365,000 | $186,000 | $675,000 | $73,000 | $82,000 |
| Hispanic | 29 | $4,795,000 | $165,000 | $655,000 | $61,000 | $125,000 |
| Asian | 7 | $1,155,000 | $165,000 | $245,000 | $94,000 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,135,000 | $227,000 | $415,000 | $127,000 | $180,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $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) | 458 | $63,760,000 | $139,000 | $835,000 | $84,000 | $530,000 |
| FHA-insured (Federal Housing Administration) | 104 | $19,500,000 | $187,000 | $455,000 | $67,000 | $171,000 |
| VA-guaranteed (Veterans Administration) | 43 | $10,485,000 | $243,000 | $655,000 | $89,000 | $298,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,125,000 | $152,000 | $265,000 | $70,000 | $125,000 |
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 | 216 | $34,290,000 | $158,000 | $675,000 | $80,000 | $379,000 |
| Application Denied By Financial Institution | 153 | $18,765,000 | $122,000 | $485,000 | $79,000 | $365,000 |
| Application Withdrawn By Applicant | 85 | $15,715,000 | $184,000 | $835,000 | $97,000 | $530,000 |
| File Closed For Incompleteness | 81 | $13,615,000 | $168,000 | $655,000 | $76,000 | $170,000 |
| Loan Purchased By The Institution | 53 | $9,545,000 | $180,000 | $475,000 | $61,000 | $82,000 |
| Application Approved But Not Accepted | 43 | $5,765,000 | $134,000 | $305,000 | $87,000 | $360,000 |
| Preapproval Denied by Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $56,000 | $56,000 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Not applicable | 475 | $78,265,000 | $164,000 | $835,000 | $83,000 | $530,000 |
| Credit History | 71 | $8,255,000 | $116,000 | $415,000 | $63,000 | $221,000 |
| Debt-To-Income Ratio | 45 | $6,635,000 | $147,000 | $485,000 | $73,000 | $218,000 |
| Collateral | 12 | $1,650,000 | $137,000 | $455,000 | $129,000 | $365,000 |
| Credit Application Incomplete | 10 | $1,320,000 | $132,000 | $305,000 | $102,000 | $360,000 |
| Unverifiable Information | 9 | $875,000 | $97,000 | $185,000 | $109,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $725,000 | $103,000 | $195,000 | $77,000 | $105,000 |
| Other | 3 | $145,000 | $48,000 | $75,000 | $153,000 | $360,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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