Alfalfa County, OK Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 93 mortgage applications in Alfalfa County, OK totaling $9.4 million, up 90% from 2015. The average application was for $100,000, and applicants reported an average income of $66,000. 53% of applications resulted in an originated loan and 24% were denied. The most active lender was Acb Bank, with 30 applications, followed by American Southwest Mortgage Funding Corp 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 | 93 |
| Total Mortgage Loan Application Amount | $9,354,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $640,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $402,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Acb Bank 323 S GRAND AVE CHEROKEE, OK 73728 |
* | $ 110,585,000 | 30 | $ 2,462,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ 336,426,000 | 9 | $ 1,273,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,446,707,000 | 4 | $ 54,000 |
| Alva State Bank & Trust Co 518 COLLEGE ALVA, OK 73717 |
* | $ 330,415,000 | 3 | $ 76,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 100,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 159,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 130,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 226,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 315,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Liberty Federal Savings Bank 401 W BROADWAY AVE ENID, OK 73701 |
* | $ 91,307,000 | 2 | $ 77,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 495,000 |
| The Bank of Kremlin P.O. BOX 197, 102 6TH ST. KREMLIN, OK 73753 |
* | $ 282,390,000 | 2 | $ 940,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 20,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 25,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 60,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 2,494,748,000 | 1 | $ 276,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 60,000 |
| Security National Bank 201 WEST BROADWAY ENID, OK 73703 |
* | $ 340,208,000 | 1 | $ 88,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 104,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 98,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 1 | $ 37,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 1,251,539,000 | 1 | $ 108,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ 571,603,000 | 1 | $ 150,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 377,750,000 | 1 | $ 107,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 220,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 530,104,000 | 1 | $ 26,000 |
| Banccentral, National Association PO BOX 667 ALVA, OK 73717 |
* | $ 484,375,000 | 1 | $ 96,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,678,359,000 | 1 | $ 25,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 61,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 2,903,698,000 | 1 | $ 114,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 172,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 484,477,000 | 1 | $ 51,000 |
The tables below break down 2016 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 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 | 52 | $4,307,000 | $82,000 | $417,000 | $59,000 | $219,000 |
| Refinancing | 35 | $4,971,000 | $142,000 | $640,000 | $71,000 | $402,000 |
| Home Improvement | 6 | $76,000 | $12,000 | $30,000 | $100,000 | $145,000 |
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 | 81 | $8,403,000 | $103,000 | $640,000 | $70,000 | $402,000 |
| Not applicable | 6 | $302,000 | $50,000 | $139,000 | $0 | $0 |
| Not Provided | 4 | $506,000 | $126,000 | $228,000 | $90,000 | $126,000 |
| Black or African American | 1 | $47,000 | $47,000 | $47,000 | $40,000 | $40,000 |
| Hispanic | 1 | $96,000 | $96,000 | $96,000 | $68,000 | $68,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 65 | $6,873,000 | $105,000 | $640,000 | $76,000 | $402,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,223,000 | $94,000 | $265,000 | $53,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $652,000 | $65,000 | $99,000 | $39,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 5 | $606,000 | $121,000 | $220,000 | $31,000 | $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 | 49 | $4,976,000 | $101,000 | $640,000 | $77,000 | $402,000 |
| Application Denied By Financial Institution | 22 | $2,013,000 | $91,000 | $350,000 | $56,000 | $120,000 |
| Loan Purchased By The Institution | 8 | $766,000 | $95,000 | $276,000 | $33,000 | $83,000 |
| Application Approved But Not Accepted | 6 | $920,000 | $153,000 | $350,000 | $58,000 | $120,000 |
| Application Withdrawn By Applicant | 5 | $497,000 | $99,000 | $265,000 | $81,000 | $180,000 |
| File Closed For Incompleteness | 3 | $182,000 | $60,000 | $69,000 | $50,000 | $60,000 |
| 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 | 5 | $221,000 | $44,000 | $105,000 | $47,000 | $74,000 |
| Debt-To-Income Ratio | 4 | $265,000 | $66,000 | $110,000 | $52,000 | $62,000 |
| Collateral | 2 | $165,000 | $82,000 | $104,000 | $49,000 | $55,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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