Alfalfa County, OK Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 81 mortgage applications in Alfalfa County, OK totaling $11.3 million, about the same as 2019. The average application was for $139,000, and applicants reported an average income of $94,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was Gateway First Bank, with 7 applications, followed by Open Mortgage, LLC and Security National Bank.
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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 | 81 |
| Total Mortgage Loan Application Amount | $11,305,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $948,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 7 | $ 925,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 6 | $ 710,000 |
| Security National Bank 201 WEST BROADWAY ENID, OK 73703 |
* | $ 324,599,000 | 5 | $ 1,155,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 340,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 42,074,066,000 | 3 | $ 245,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 3 | $ 165,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 425,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 4,228,679,000 | 3 | $ 415,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 375,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 3 | $ 295,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 300,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 480,916,000 | 2 | $ 310,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ 645,797,000 | 2 | $ 120,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 210,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 410,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 650,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 205,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 45,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 205,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 55,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 35,000 |
| US Employees Oc Federal Credit Union 4301 S INTERSTATE 44 SERVICE RD. OKLAHOMA CITY, OK 73119 |
* | $ 173,641,000 | 1 | $ 55,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 115,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 395,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 225,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 135,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 115,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,309,884,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 235,000 |
The tables below break down 2020 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 2020
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 | 37 | $4,125,000 | $111,000 | $225,000 | $69,000 | $172,000 |
| Cash-out Refinancing | 21 | $2,915,000 | $138,000 | $395,000 | $87,000 | $213,000 |
| Refinancing | 17 | $3,795,000 | $223,000 | $515,000 | $187,000 | $948,000 |
| Other Purpose | 3 | $305,000 | $101,000 | $215,000 | $109,000 | $199,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $75,000 | $0 | $0 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $57,000 | $57,000 |
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 | 56 | $7,930,000 | $141,000 | $495,000 | $96,000 | $948,000 |
| Not applicable | 10 | $1,540,000 | $154,000 | $395,000 | $213,000 | $213,000 |
| Not Provided | 4 | $890,000 | $222,000 | $515,000 | $148,000 | $259,000 |
| Hispanic | 4 | $390,000 | $97,000 | $235,000 | $41,000 | $54,000 |
| Asian | 3 | $285,000 | $95,000 | $115,000 | $38,000 | $42,000 |
| American Indian or Alaskan Native | 2 | $140,000 | $70,000 | $85,000 | $68,000 | $78,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 49 | $7,015,000 | $143,000 | $515,000 | $101,000 | $948,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,085,000 | $146,000 | $275,000 | $81,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 7 | $885,000 | $126,000 | $205,000 | $69,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $320,000 | $80,000 | $95,000 | $35,000 | $40,000 |
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 | 36 | $4,950,000 | $137,000 | $515,000 | $83,000 | $259,000 |
| Application Denied By Financial Institution | 19 | $2,265,000 | $119,000 | $265,000 | $68,000 | $130,000 |
| Loan Purchased By The Institution | 11 | $1,615,000 | $146,000 | $395,000 | $116,000 | $213,000 |
| File Closed For Incompleteness | 7 | $1,035,000 | $147,000 | $235,000 | $83,000 | $128,000 |
| Application Withdrawn By Applicant | 6 | $1,330,000 | $221,000 | $485,000 | $251,000 | $948,000 |
| Application Approved But Not Accepted | 2 | $110,000 | $55,000 | $55,000 | $45,000 | $59,000 |
| 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 | 57 | $7,885,000 | $138,000 | $515,000 | $102,000 | $948,000 |
| Debt-To-Income Ratio | 10 | $1,850,000 | $185,000 | $495,000 | $94,000 | $191,000 |
| Collateral | 5 | $655,000 | $131,000 | $185,000 | $72,000 | $111,000 |
| Credit Application Incomplete | 4 | $540,000 | $135,000 | $265,000 | $80,000 | $128,000 |
| Credit History | 3 | $145,000 | $48,000 | $55,000 | $44,000 | $54,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $125,000 | $125,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $15,000 | $15,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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