Alfalfa County, OK Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 87 mortgage applications in Alfalfa County, OK totaling $6.4 million, up 19% from 2008. The average application was for $73,000, and applicants reported an average income of $51,000. 33% of applications resulted in an originated loan and 25% were denied. The most active lender was Citicorp Trust Bank, FSB, with 10 applications, followed by Tinker Federal Credit Union and New Day Financial, Llc..
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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 | 87 |
| Total Mortgage Loan Application Amount | $6,415,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $240,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $280,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 10 | $ 620,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 1,806,878,000 | 7 | $ 96,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 409,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 5 | $ 236,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 4 | $ 382,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 529,549,000 | 4 | $ 399,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 295,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 472,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 337,000 |
| Liberty Federal Savings Bank 401 W BROADWAY ENID, OK 73701 |
* | $ 179,354,000 | 3 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 3 | $ 531,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 3 | $ 276,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 2 | $ 260,000 |
| Nbc Oklahoma 13401 N PENN OKC, OK 73120 |
* | $ 449,026,000 | 2 | $ 62,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,610,571,000 | 2 | $ 97,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 81,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 2 | $ 99,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 82,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 4,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 264,025,000 | 1 | $ 105,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Equity Bank 7701 E KELLOGG STE 200 WICHITA, KS 67207 |
* | $ 380,607,000 | 1 | $ 51,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,127,000 | 1 | $ 52,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 82,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 64,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 131,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 107,630,000 | 1 | $ 13,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 1 | $ 131,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 108,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 726,952,000 | 1 | $ 103,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 65,000 |
| First National Bank of Oklahoma 10900 HEFNER POINTE DRIVE OKLAHOMA CITY, OK 73120 |
* | $ 176,463,000 | 1 | $ 31,000 |
The tables below break down 2009 mortgage applications in Alfalfa 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 Alfalfa County, OK in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 47 | $3,950,000 | $84,000 | $240,000 | $55,000 | $280,000 |
| Home Purchase | 26 | $2,137,000 | $82,000 | $240,000 | $44,000 | $101,000 |
| Home Improvement | 14 | $328,000 | $23,000 | $90,000 | $54,000 | $83,000 |
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 | 65 | $4,800,000 | $73,000 | $240,000 | $59,000 | $280,000 |
| Not applicable | 11 | $858,000 | $78,000 | $160,000 | $14,000 | $60,000 |
| Not Provided | 9 | $589,000 | $65,000 | $155,000 | $45,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $86,000 | $86,000 | $86,000 | $63,000 | $63,000 |
| American Indian or Alaskan Native | 1 | $82,000 | $82,000 | $82,000 | $40,000 | $40,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 64 | $4,200,000 | $65,000 | $240,000 | $56,000 | $280,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,524,000 | $95,000 | $160,000 | $37,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 5 | $589,000 | $117,000 | $187,000 | $46,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $102,000 | $51,000 | $51,000 | $21,000 | $42,000 |
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 | 29 | $2,158,000 | $74,000 | $240,000 | $60,000 | $236,000 |
| Application Denied By Financial Institution | 22 | $1,561,000 | $70,000 | $240,000 | $41,000 | $92,000 |
| Loan Purchased By The Institution | 15 | $1,243,000 | $82,000 | $160,000 | $27,000 | $101,000 |
| Application Approved But Not Accepted | 11 | $557,000 | $50,000 | $103,000 | $62,000 | $95,000 |
| Application Withdrawn By Applicant | 9 | $741,000 | $82,000 | $190,000 | $63,000 | $280,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $170,000 | $170,000 |
| 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 History | 7 | $438,000 | $62,000 | $114,000 | $37,000 | $66,000 |
| Collateral | 4 | $269,000 | $67,000 | $86,000 | $53,000 | $63,000 |
| Debt-To-Income Ratio | 2 | $130,000 | $65,000 | $81,000 | $47,000 | $83,000 |
| Credit Application Incomplete | 1 | $240,000 | $240,000 | $240,000 | $92,000 | $92,000 |
| Other | 1 | $17,000 | $17,000 | $17,000 | $38,000 | $38,000 |
| 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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