Adair County, OK Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 406 mortgage applications in Adair County, OK totaling $38.1 million, down 10% from 2015. The average application was for $93,000, and applicants reported an average income of $53,000. 41% of applications resulted in an originated loan and 33% were denied. The most active lender was Arvest Bank, with 98 applications, followed by 21st Mortgage and Armstrong Bank.
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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 | 406 |
| Total Mortgage Loan Application Amount | $38,130,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $1,098,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $560,000 |
* 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 |
* | $ 15,843,566,000 | 98 | $ 8,925,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 36 | $ 2,022,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ 840,276,000 | 36 | $ 1,924,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 27 | $ 1,559,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 24 | $ 3,331,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 12 | $ 1,090,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 12 | $ 1,174,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 9 | $ 1,067,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 484,559,000 | 8 | $ 852,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 8 | $ 596,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 125,111,000 | 7 | $ 485,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 6 | $ 521,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 5 | $ 523,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 605,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 4 | $ 48,000 |
| First Western Mortgage 80 W MAIN ST BOONEVILLE, AR 72927 |
* | $ 344,631,000 | 4 | $ 637,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 4 | $ 362,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,678,359,000 | 4 | $ 459,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 9,264,881,000 | 4 | $ 285,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 281,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 277,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 339,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 2,173,990,000 | 3 | $ 160,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 3 | $ 214,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 728,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 270,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 414,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 357,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 352,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 2 | $ 211,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 82,358,000 | 2 | $ 322,000 |
| First National Bank of Fort Smith 602 GARRISON AVE FORT SMITH, AR 72901 |
* | $ 1,224,358,000 | 2 | $ 254,000 |
| Farm Credit Services of Western Arkansas 3115 WEST SECOND COURT RUSSELLVILLE, AR 72802 |
* | $ 903,912,000,000 | 2 | $ 347,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 180,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 93,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 47,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 164,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 181,000 |
| Bear State Bank 5315 HIGHLAND DRIVE LITTLE ROCK, AR 72223 |
* | $ 1,461,020,000 | 1 | $ 90,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 54,000 |
| Generations Bank 1325 HWY 278 BYPASS ROGERS, AR 72758 |
* | $ 384,584,000 | 1 | $ 62,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 46,472,436,000 | 1 | $ 174,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,033,171,000 | 1 | $ 65,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 190,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 235,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 1 | $ 417,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,483,687,000 | 1 | $ 7,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 30,000 |
| Liberty Federal Savings Bank 401 W BROADWAY AVE ENID, OK 73701 |
* | $ 91,307,000 | 1 | $ 60,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 522,018,000 | 1 | $ 219,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 144,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 57,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 81,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 93,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 118,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 7,515,756,000 | 1 | $ 5,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,446,707,000 | 1 | $ 127,000 |
| Ttcu the Credit Union 3720 E 31ST ST TULSA, OK 74135 |
* | $ 1,623,083,000 | 1 | $ 180,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 1 | $ 112,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 105,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 70,000 |
| The Morris State Bank 800 WEST OZARK MORRIS, OK 74445 |
* | $ 75,016,000 | 1 | $ 59,000 |
| United Bank 2600 SOUTH THOMPSON SPRINGDALE, AR 72764 |
* | $ 150,377,000 | 1 | $ 54,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 58,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 866,511,000 | 1 | $ 815,000 |
The tables below break down 2016 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 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 | 215 | $19,332,000 | $89,000 | $417,000 | $49,000 | $498,000 |
| Refinancing | 134 | $17,319,000 | $129,000 | $1,098,000 | $60,000 | $560,000 |
| Home Improvement | 57 | $1,479,000 | $25,000 | $180,000 | $53,000 | $291,000 |
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 | 212 | $20,073,000 | $94,000 | $417,000 | $60,000 | $560,000 |
| American Indian or Alaskan Native | 129 | $10,527,000 | $81,000 | $1,098,000 | $50,000 | $498,000 |
| Not applicable | 28 | $2,827,000 | $100,000 | $258,000 | $11,000 | $132,000 |
| Not Provided | 20 | $2,359,000 | $117,000 | $356,000 | $76,000 | $299,000 |
| Hispanic | 11 | $767,000 | $69,000 | $130,000 | $32,000 | $72,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $522,000 | $174,000 | $240,000 | $55,000 | $91,000 |
| Asian | 2 | $905,000 | $452,000 | $815,000 | $45,000 | $90,000 |
| Black or African American | 1 | $150,000 | $150,000 | $150,000 | $21,000 | $21,000 |
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) | 274 | $23,603,000 | $86,000 | $1,098,000 | $60,000 | $560,000 |
| FHA-insured (Federal Housing Administration) | 69 | $6,529,000 | $94,000 | $238,000 | $35,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 37 | $4,402,000 | $118,000 | $287,000 | $45,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,596,000 | $138,000 | $815,000 | $41,000 | $231,000 |
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 | 165 | $16,075,000 | $97,000 | $1,098,000 | $60,000 | $560,000 |
| Application Denied By Financial Institution | 133 | $11,627,000 | $87,000 | $417,000 | $51,000 | $299,000 |
| File Closed For Incompleteness | 35 | $3,315,000 | $94,000 | $410,000 | $57,000 | $141,000 |
| Loan Purchased By The Institution | 32 | $3,628,000 | $113,000 | $258,000 | $27,000 | $132,000 |
| Application Withdrawn By Applicant | 22 | $1,816,000 | $82,000 | $227,000 | $51,000 | $240,000 |
| Application Approved But Not Accepted | 19 | $1,669,000 | $87,000 | $219,000 | $46,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 8 | $924,000 | $115,000 | $278,000 | $83,000 | $299,000 |
| Credit History | 6 | $288,000 | $48,000 | $118,000 | $38,000 | $65,000 |
| Collateral | 5 | $713,000 | $142,000 | $356,000 | $65,000 | $101,000 |
| Debt-To-Income Ratio | 4 | $430,000 | $107,000 | $158,000 | $23,000 | $28,000 |
| Other | 3 | $257,000 | $85,000 | $149,000 | $44,000 | $61,000 |
| 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 |
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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