Adair County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 395 mortgage applications in Adair County, OK totaling $34.9 million, down 2% from 2017. The average application was for $88,000, and applicants reported an average income of $58,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Arvest Bank, with 84 applications, followed by Armstrong Bank and 21st Mortgage.
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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 | 395 |
| Total Mortgage Loan Application Amount | $34,945,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $474,000 |
* 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 |
* | $ 16,758,528,000 | 84 | $ 6,720,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ 945,025,000 | 62 | $ 3,880,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 33 | $ 2,285,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 14 | $ 970,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 133,225,000 | 12 | $ 850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 8 | $ 1,100,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 7 | $ 785,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 7 | $ 695,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 515,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 7 | $ 945,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 475,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 540,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 680,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 830,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 4 | $ 320,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 280,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 14,440,346,000 | 4 | $ 520,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 400,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 550,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 3 | $ 395,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 3 | $ 155,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 405,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 3 | $ 545,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 375,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 315,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 535,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 150,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 260,000 |
| Firstar Bank 1720 E CHEROKEE AVE SALLISAW, OK 74955 |
* | $ 572,657,000 | 2 | $ 210,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,236,903,000 | 2 | $ 70,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 260,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,602,670,000 | 2 | $ 140,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 456,898,000 | 2 | $ 210,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 2 | $ 40,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 2 | $ 140,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 300,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 150,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 2 | $ 260,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 2 | $ 180,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 135,000 |
| Westreet Federal Credit Union 9323 E.21ST STREET TULSA, OK 74129 |
* | $ 735,556,000 | 1 | $ 65,000 |
| Ttcu Federal Credit Union 9815 E 81ST ST TULSA, OK 74133 |
* | $ 1,816,537,000 | 1 | $ 55,000 |
| Bank of Gravette 211 MAIN STREET SE, PO BOX 149 GRAVETTE, AR 72736 |
* | $ 114,121,000 | 1 | $ 505,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 165,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 115,000 |
| Today's Bank 432 HARMONY RD HUNTSVILLE, AR 72740 |
* | $ 204,665,000 | 1 | $ 75,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 415,029,000 | 1 | $ 75,000 |
| First National Bank of Fort Smith 602 GARRISON AVE FORT SMITH, AR 72901 |
* | $ 1,306,749,000 | 1 | $ 115,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,697,490,000 | 1 | $ 35,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 2,835,749,000 | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 35,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 135,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 75,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 225,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 245,000 |
| Grand Savings Bank P O BOX 451809, 1022 SOUTH MAIN GROVE, OK 74344 |
* | $ 425,077,000 | 1 | $ 95,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,143,613,000 | 1 | $ 85,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 1 | $ 85,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,112,603,000 | 1 | $ 125,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ 1,007,589,000 | 1 | $ 35,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 75,000 |
| Citizens Bank & Trust Company PO BOX 469 VAN BUREN, AR 72956 |
* | $ 396,754,000 | 1 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 5,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 75,000 |
| First Western Mortgage 80 W MAIN ST BOONEVILLE, AR 72927 |
* | $ -1,000 | 1 | $ 155,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 55,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 75,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 5,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 95,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 45,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 25,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 85,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 25,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 9,380,854,000 | 1 | $ 255,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 95,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,099,773,000 | 1 | $ 25,000 |
The tables below break down 2018 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 2018
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 | 210 | $20,280,000 | $96,000 | $505,000 | $55,000 | $470,000 |
| Refinancing | 63 | $5,565,000 | $88,000 | $325,000 | $61,000 | $200,000 |
| Cash-out Refinancing | 59 | $6,055,000 | $102,000 | $245,000 | $52,000 | $110,000 |
| Other Purpose | 35 | $1,505,000 | $43,000 | $135,000 | $68,000 | $474,000 |
| Home Improvement | 23 | $1,235,000 | $53,000 | $285,000 | $67,000 | $300,000 |
| Not Applicable | 5 | $305,000 | $61,000 | $135,000 | $87,000 | $87,000 |
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 | 172 | $15,950,000 | $92,000 | $505,000 | $58,000 | $474,000 |
| American Indian or Alaskan Native | 122 | $9,810,000 | $80,000 | $295,000 | $53,000 | $220,000 |
| Not applicable | 44 | $4,470,000 | $101,000 | $295,000 | $58,000 | $108,000 |
| Not Provided | 36 | $2,800,000 | $77,000 | $235,000 | $68,000 | $470,000 |
| Hispanic | 10 | $820,000 | $82,000 | $135,000 | $39,000 | $81,000 |
| Asian | 6 | $440,000 | $73,000 | $85,000 | $102,000 | $160,000 |
| Black or African American | 4 | $630,000 | $157,000 | $275,000 | $61,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $22,000 | $22,000 |
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) | 270 | $22,640,000 | $83,000 | $505,000 | $64,000 | $474,000 |
| FHA-insured (Federal Housing Administration) | 78 | $6,810,000 | $87,000 | $295,000 | $41,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,555,000 | $142,000 | $245,000 | $51,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,940,000 | $88,000 | $245,000 | $35,000 | $64,000 |
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 | 169 | $15,365,000 | $90,000 | $505,000 | $57,000 | $300,000 |
| Application Denied By Financial Institution | 90 | $6,840,000 | $76,000 | $295,000 | $52,000 | $474,000 |
| Application Withdrawn By Applicant | 57 | $5,565,000 | $97,000 | $325,000 | $58,000 | $190,000 |
| Loan Purchased By The Institution | 32 | $3,850,000 | $120,000 | $295,000 | $57,000 | $108,000 |
| Application Approved But Not Accepted | 24 | $1,520,000 | $63,000 | $285,000 | $65,000 | $220,000 |
| File Closed For Incompleteness | 22 | $1,760,000 | $80,000 | $225,000 | $74,000 | $470,000 |
| Preapproval Denied by Financial Institution | 1 | $45,000 | $45,000 | $45,000 | $14,000 | $14,000 |
| 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 | 299 | $27,125,000 | $90,000 | $325,000 | $59,000 | $470,000 |
| Debt-To-Income Ratio | 33 | $3,135,000 | $95,000 | $505,000 | $51,000 | $182,000 |
| Credit History | 29 | $1,905,000 | $65,000 | $115,000 | $40,000 | $100,000 |
| Collateral | 13 | $1,135,000 | $87,000 | $235,000 | $109,000 | $474,000 |
| Unverifiable Information | 8 | $560,000 | $70,000 | $115,000 | $37,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $465,000 | $93,000 | $165,000 | $42,000 | $74,000 |
| Credit Application Incomplete | 4 | $460,000 | $115,000 | $225,000 | $70,000 | $87,000 |
| Other | 3 | $105,000 | $35,000 | $55,000 | $33,000 | $85,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $17,000 | $17,000 |
| 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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