Alfalfa County, OK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 65 mortgage applications in Alfalfa County, OK totaling $7.4 million, down 14% from 2021. The average application was for $114,000, and applicants reported an average income of $83,000. 46% of applications resulted in an originated loan and 25% were denied. The most active lender was Gateway First Bank, with 7 applications, followed by Primelending and Discover 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 | 65 |
| Total Mortgage Loan Application Amount | $7,435,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $347,000 |
| 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 |
* | $ 1,879,005,000 | 7 | $ 795,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 550,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 4 | $ 200,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 4 | $ 490,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 335,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 50,093,398,000 | 3 | $ 215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 140,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 310,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 240,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 50,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 8,265,835,000 | 2 | $ 30,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 310,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 280,000 |
| Financial Concpepts Mortgage 2949 S BRYANT EDMOND, OK 73013 |
* | $ -1,000 | 1 | $ 205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 65,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 355,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 155,000 |
| Security National Bank 201 WEST BROADWAY ENID, OK 73703 |
* | $ 417,480,000 | 1 | $ 45,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 12,464,313,000 | 1 | $ 175,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 41,822,249,000 | 1 | $ 255,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 135,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 4,139,800,000 | 1 | $ 145,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 4,129,644,000 | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 135,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 5,916,950,000 | 1 | $ 45,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,780,864,000 | 1 | $ 265,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 205,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2022 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 2022
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 | 38 | $5,020,000 | $132,000 | $355,000 | $85,000 | $300,000 |
| Cash-out Refinancing | 10 | $1,240,000 | $124,000 | $205,000 | $109,000 | $347,000 |
| Other Purpose | 8 | $510,000 | $63,000 | $175,000 | $56,000 | $105,000 |
| Refinancing | 4 | $400,000 | $100,000 | $145,000 | $49,000 | $78,000 |
| Home Improvement | 4 | $200,000 | $50,000 | $55,000 | $74,000 | $106,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 49 | $5,285,000 | $107,000 | $265,000 | $78,000 | $347,000 |
| Not applicable | 5 | $605,000 | $121,000 | $205,000 | $0 | $0 |
| Not Provided | 5 | $705,000 | $141,000 | $355,000 | $86,000 | $151,000 |
| American Indian or Alaskan Native | 2 | $60,000 | $30,000 | $45,000 | $30,000 | $33,000 |
| Hispanic | 2 | $330,000 | $165,000 | $255,000 | $53,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $300,000 | $300,000 |
| Black or African American | 1 | $355,000 | $355,000 | $355,000 | $212,000 | $212,000 |
| 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) | 42 | $4,800,000 | $114,000 | $355,000 | $90,000 | $347,000 |
| FHA-insured (Federal Housing Administration) | 9 | $875,000 | $97,000 | $155,000 | $79,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $940,000 | $117,000 | $205,000 | $41,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 6 | $820,000 | $136,000 | $175,000 | $65,000 | $92,000 |
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 | 30 | $3,240,000 | $108,000 | $255,000 | $85,000 | $347,000 |
| Application Denied By Financial Institution | 16 | $2,140,000 | $133,000 | $355,000 | $84,000 | $212,000 |
| Application Withdrawn By Applicant | 8 | $990,000 | $123,000 | $265,000 | $73,000 | $90,000 |
| Loan Purchased By The Institution | 5 | $605,000 | $121,000 | $205,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $350,000 | $87,000 | $155,000 | $102,000 | $146,000 |
| File Closed For Incompleteness | 2 | $110,000 | $55,000 | $75,000 | $44,000 | $45,000 |
| 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 | 49 | $5,295,000 | $108,000 | $265,000 | $82,000 | $347,000 |
| Collateral | 4 | $720,000 | $180,000 | $355,000 | $94,000 | $151,000 |
| Debt-To-Income Ratio | 4 | $510,000 | $127,000 | $155,000 | $104,000 | $159,000 |
| Credit Application Incomplete | 3 | $475,000 | $158,000 | $355,000 | $86,000 | $212,000 |
| Credit History | 2 | $100,000 | $50,000 | $85,000 | $70,000 | $107,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $42,000 | $42,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $73,000 | $73,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
| 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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