Alfalfa County, OK Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 61 mortgage applications in Alfalfa County, OK totaling $4.0 million, down 30% from 2009. The average application was for $64,000, and applicants reported an average income of $52,000. 39% of applications resulted in an originated loan and 33% were denied. The most active lender was Citicorp Trust Bank, FSB, with 11 applications, followed by Bank of Oklahoma, NA and Tinker Federal Credit Union.
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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 | 61 |
| Total Mortgage Loan Application Amount | $3,950,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $211,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $160,000 |
| 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 |
* | $ 17,832,340,000 | 11 | $ 771,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,430,404,000 | 5 | $ 397,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,122,815,000 | 5 | $ 68,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 314,901,000 | 4 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 369,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 102,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 217,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 2 | $ 146,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 2 | $ 107,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 102,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 199,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 36,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 179,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 61,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 31,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 721,544,000 | 1 | $ 11,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 1 | $ 122,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 29,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 75,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 69,000 |
| Nbc Oklahoma 13401 N PENN OKC, OK 73120 |
* | $ 458,537,000 | 1 | $ 4,000 |
| The Bank of Union 2000 S. COUNTRY CLUB RD. EL RENO, OK 73036 |
* | $ 308,572,000 | 1 | $ 26,000 |
| Sun East Federal Credit Union 4500 PENNELL ROAD ASTON, PA 19014 |
* | $ 385,520,000 | 1 | $ 159,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 75,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 93,000 |
| Liberty Federal Savings Bank 401 W BROADWAY ENID, OK 73701 |
* | $ 168,560,000 | 1 | $ 3,000 |
The tables below break down 2010 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 2010
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 | 36 | $2,649,000 | $73,000 | $211,000 | $51,000 | $103,000 |
| Home Purchase | 17 | $1,165,000 | $68,000 | $179,000 | $53,000 | $160,000 |
| Home Improvement | 8 | $136,000 | $17,000 | $71,000 | $51,000 | $80,000 |
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 | 52 | $3,284,000 | $63,000 | $211,000 | $50,000 | $103,000 |
| Not applicable | 4 | $301,000 | $75,000 | $95,000 | $45,000 | $55,000 |
| Not Provided | 2 | $102,000 | $51,000 | $77,000 | $55,000 | $80,000 |
| American Indian or Alaskan Native | 1 | $38,000 | $38,000 | $38,000 | $54,000 | $54,000 |
| Black or African American | 1 | $159,000 | $159,000 | $159,000 | $160,000 | $160,000 |
| Hispanic | 1 | $66,000 | $66,000 | $66,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 41 | $2,250,000 | $54,000 | $190,000 | $54,000 | $160,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,386,000 | $86,000 | $211,000 | $49,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 4 | $314,000 | $78,000 | $114,000 | $47,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 24 | $1,280,000 | $53,000 | $159,000 | $48,000 | $160,000 |
| Application Denied By Financial Institution | 20 | $1,629,000 | $81,000 | $211,000 | $49,000 | $97,000 |
| Application Withdrawn By Applicant | 6 | $216,000 | $36,000 | $52,000 | $70,000 | $103,000 |
| Loan Purchased By The Institution | 6 | $438,000 | $73,000 | $95,000 | $43,000 | $55,000 |
| Application Approved But Not Accepted | 3 | $205,000 | $68,000 | $96,000 | $76,000 | $100,000 |
| File Closed For Incompleteness | 2 | $182,000 | $91,000 | $122,000 | $69,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $362,000 | $90,000 | $122,000 | $34,000 | $80,000 |
| Collateral | 2 | $210,000 | $105,000 | $179,000 | $78,000 | $97,000 |
| Credit Application Incomplete | 2 | $135,000 | $67,000 | $114,000 | $87,000 | $96,000 |
| Employment History | 1 | $28,000 | $28,000 | $28,000 | $15,000 | $15,000 |
| Mortgage Insurance Denied | 1 | $42,000 | $42,000 | $42,000 | $34,000 | $34,000 |
| Other | 1 | $79,000 | $79,000 | $79,000 | $50,000 | $50,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit 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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