Alfalfa County, OK Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 97 mortgage applications in Alfalfa County, OK totaling $7.8 million, up 4% from 2016. The average application was for $80,000, and applicants reported an average income of $59,000. 49% of applications resulted in an originated loan and 31% were denied. The most active lender was Acb Bank, with 25 applications, followed by Primelending and The Bank of Kremlin.
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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 | 97 |
| Total Mortgage Loan Application Amount | $7,763,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $438,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $188,000 |
| 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 |
* | $ 117,521,000 | 25 | $ 1,417,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 438,000 |
| The Bank of Kremlin P.O. BOX 197, 102 6TH ST. KREMLIN, OK 73753 |
* | $ 278,739,000 | 6 | $ 665,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 493,352,000 | 3 | $ 200,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 288,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 3 | $ 20,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 3 | $ 255,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 2,965,499,000 | 3 | $ 418,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 106,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 151,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,576,177,000 | 2 | $ 9,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 275,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 190,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 91,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 2 | $ 210,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 140,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 430,000 |
| Security National Bank 201 WEST BROADWAY ENID, OK 73703 |
* | $ 333,340,000 | 1 | $ 22,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 47,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ 0 | 1 | $ 86,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 101,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 107,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 18,000 |
| Liberty Federal Savings Bank 401 W BROADWAY AVE ENID, OK 73701 |
* | $ 82,510,000 | 1 | $ 410,000 |
| Banccentral, National Association PO BOX 667 ALVA, OK 73717 |
* | $ 491,430,000 | 1 | $ 20,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 83,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 80,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 114,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,005,733,000 | 1 | $ 188,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 52,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 1 | $ 8,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 36,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 108,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 53,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 1 | $ 53,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 106,000 |
The tables below break down 2017 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 2017
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 | 53 | $4,097,000 | $77,000 | $212,000 | $57,000 | $188,000 |
| Refinancing | 33 | $3,225,000 | $97,000 | $438,000 | $60,000 | $161,000 |
| Home Improvement | 11 | $441,000 | $40,000 | $129,000 | $67,000 | $152,000 |
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 | 77 | $6,037,000 | $78,000 | $410,000 | $61,000 | $188,000 |
| Not Provided | 10 | $780,000 | $78,000 | $147,000 | $68,000 | $161,000 |
| Not applicable | 5 | $680,000 | $136,000 | $438,000 | $17,000 | $86,000 |
| American Indian or Alaskan Native | 4 | $183,000 | $45,000 | $80,000 | $51,000 | $62,000 |
| Hispanic | 1 | $83,000 | $83,000 | $83,000 | $37,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 68 | $5,646,000 | $83,000 | $438,000 | $63,000 | $188,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,149,000 | $67,000 | $137,000 | $53,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $489,000 | $69,000 | $147,000 | $44,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 5 | $479,000 | $95,000 | $130,000 | $44,000 | $80,000 |
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 | 48 | $3,786,000 | $78,000 | $438,000 | $59,000 | $155,000 |
| Application Denied By Financial Institution | 30 | $2,705,000 | $90,000 | $410,000 | $65,000 | $152,000 |
| Application Withdrawn By Applicant | 9 | $506,000 | $56,000 | $126,000 | $48,000 | $161,000 |
| Loan Purchased By The Institution | 5 | $295,000 | $59,000 | $83,000 | $26,000 | $86,000 |
| Application Approved But Not Accepted | 3 | $366,000 | $122,000 | $188,000 | $100,000 | $188,000 |
| File Closed For Incompleteness | 2 | $105,000 | $52,000 | $70,000 | $39,000 | $52,000 |
| 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 | 9 | $398,000 | $44,000 | $114,000 | $87,000 | $152,000 |
| Debt-To-Income Ratio | 7 | $920,000 | $131,000 | $410,000 | $55,000 | $93,000 |
| Collateral | 1 | $360,000 | $360,000 | $360,000 | $102,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $47,000 | $47,000 | $47,000 | $29,000 | $29,000 |
| 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 |
| Employment 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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