Alfalfa County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 76 mortgage applications in Alfalfa County, OK totaling $7.3 million, down 22% from 2017. The average application was for $96,000, and applicants reported an average income of $70,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was Acb Bank, with 14 applications, followed by Primelending and loanDepot.com 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 | 76 |
| Total Mortgage Loan Application Amount | $7,320,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $227,000 |
| 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 |
* | $ 120,674,000 | 14 | $ 980,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 7 | $ 665,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 665,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 370,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 275,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 3 | $ 245,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 200,000 |
| The Bank of Kremlin P.O. BOX 197, 102 6TH ST. KREMLIN, OK 73753 |
* | $ 297,001,000 | 2 | $ 170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 70,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 340,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 90,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 210,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 506,990,000 | 2 | $ 80,000 |
| Security National Bank 201 WEST BROADWAY ENID, OK 73703 |
* | $ 328,913,000 | 1 | $ 135,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 287,783,000 | 1 | $ 25,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,112,603,000 | 1 | $ 175,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 45,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 705,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 35,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 105,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 927,541,000 | 1 | $ 95,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 702,648,000 | 1 | $ 45,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 125,000 |
| First American Mortgage, Inc. 1501 S. RANCHWOOD BLVD. YUKON, OK 73099 |
* | $ -1,000 | 1 | $ 125,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 3,493,190,000 | 1 | $ 35,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 105,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 1 | $ 65,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 440,521,000 | 1 | $ 135,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2018 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 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 | 49 | $4,945,000 | $100,000 | $275,000 | $68,000 | $216,000 |
| Cash-out Refinancing | 10 | $1,010,000 | $101,000 | $135,000 | $89,000 | $159,000 |
| Refinancing | 10 | $1,090,000 | $109,000 | $705,000 | $62,000 | $227,000 |
| Home Improvement | 4 | $160,000 | $40,000 | $85,000 | $69,000 | $127,000 |
| Other Purpose | 3 | $115,000 | $38,000 | $45,000 | $59,000 | $66,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 54 | $5,220,000 | $96,000 | $705,000 | $70,000 | $227,000 |
| Not applicable | 9 | $865,000 | $96,000 | $175,000 | $44,000 | $44,000 |
| Not Provided | 7 | $695,000 | $99,000 | $225,000 | $56,000 | $90,000 |
| American Indian or Alaskan Native | 4 | $270,000 | $67,000 | $95,000 | $108,000 | $216,000 |
| Hispanic | 2 | $270,000 | $135,000 | $235,000 | $65,000 | $103,000 |
| 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) | 40 | $3,800,000 | $95,000 | $705,000 | $77,000 | $227,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,360,000 | $90,000 | $235,000 | $64,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $365,000 | $73,000 | $95,000 | $41,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 5 | $795,000 | $159,000 | $275,000 | $64,000 | $102,000 |
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 | 41 | $4,035,000 | $98,000 | $275,000 | $70,000 | $216,000 |
| Application Denied By Financial Institution | 12 | $1,030,000 | $85,000 | $225,000 | $62,000 | $75,000 |
| Application Withdrawn By Applicant | 10 | $1,160,000 | $116,000 | $705,000 | $93,000 | $227,000 |
| Loan Purchased By The Institution | 8 | $850,000 | $106,000 | $175,000 | $44,000 | $44,000 |
| File Closed For Incompleteness | 4 | $170,000 | $42,000 | $45,000 | $39,000 | $58,000 |
| Application Approved But Not Accepted | 1 | $75,000 | $75,000 | $75,000 | $35,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 48 | $5,040,000 | $105,000 | $705,000 | $69,000 | $227,000 |
| Debt-To-Income Ratio | 20 | $1,720,000 | $86,000 | $225,000 | $77,000 | $216,000 |
| Collateral | 3 | $315,000 | $105,000 | $125,000 | $56,000 | $72,000 |
| Credit History | 3 | $175,000 | $58,000 | $105,000 | $65,000 | $75,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $54,000 | $54,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $66,000 | $66,000 |
| Other | 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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