Alfalfa County, OK Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 76 mortgage applications in Alfalfa County, OK totaling $7.8 million, up 17% from 2022. The average application was for $102,000, and applicants reported an average income of $66,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Primelending, with 10 applications, followed by Gateway First Bank and Open Mortgage, 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 | $7,770,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $225,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 10 | $ 590,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 10 | $ 800,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 7 | $ 815,000 |
| Acb Bank 323 S GRAND AVE CHEROKEE, OK 73728 |
* | $ 121,579,000 | 6 | $ 730,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 390,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 565,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 365,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 295,000 |
| Cowboy Bank P.O. BOX 197, 102 6TH ST. KREMLIN, OK 73753 |
* | $ 368,346,000 | 3 | $ 165,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 3 | $ 225,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 325,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 180,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 647,283,000 | 1 | $ 95,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 165,000 |
| Financial Concpepts Mortgage 2949 S BRYANT EDMOND, OK 73013 |
* | $ -1,000 | 1 | $ 55,000 |
| Banccentral, National Association 604 FLYNN ST ALVA, OK 73717 |
* | $ 377,319,000 | 1 | $ 5,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 145,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 1,093,825,000 | 1 | $ 285,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 6,032,105,000 | 1 | $ 15,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 165,000 |
| Security National Bank 201 WEST BROADWAY ENID, OK 73703 |
* | $ 382,789,000 | 1 | $ 105,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 10,406,351,000 | 1 | $ 55,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 1 | $ 15,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 749,271,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 105,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 95,000 |
| Nbc Oklahoma WICHITA, KS 67207 |
* | $ 894,928,000 | 1 | $ 305,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 55,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2023 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 2023
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 | 56 | $5,780,000 | $103,000 | $315,000 | $60,000 | $225,000 |
| Refinancing | 7 | $1,375,000 | $196,000 | $415,000 | $86,000 | $148,000 |
| Home Improvement | 6 | $210,000 | $35,000 | $105,000 | $91,000 | $145,000 |
| Cash-out Refinancing | 3 | $225,000 | $75,000 | $165,000 | $69,000 | $91,000 |
| Other Purpose | 3 | $125,000 | $41,000 | $55,000 | $82,000 | $99,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 51 | $4,855,000 | $95,000 | $415,000 | $64,000 | $148,000 |
| Not applicable | 12 | $1,450,000 | $120,000 | $305,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $725,000 | $145,000 | $245,000 | $65,000 | $105,000 |
| Hispanic | 4 | $130,000 | $32,000 | $55,000 | $43,000 | $101,000 |
| Not Provided | 4 | $610,000 | $152,000 | $285,000 | $122,000 | $225,000 |
| 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) | 45 | $4,655,000 | $103,000 | $415,000 | $69,000 | $225,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,520,000 | $108,000 | $185,000 | $62,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,160,000 | $96,000 | $185,000 | $58,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 5 | $435,000 | $87,000 | $135,000 | $64,000 | $89,000 |
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 | 38 | $3,710,000 | $97,000 | $415,000 | $66,000 | $148,000 |
| Loan Purchased By The Institution | 15 | $1,535,000 | $102,000 | $185,000 | $53,000 | $94,000 |
| Application Denied By Financial Institution | 12 | $1,390,000 | $115,000 | $245,000 | $63,000 | $145,000 |
| Application Withdrawn By Applicant | 8 | $840,000 | $105,000 | $285,000 | $79,000 | $225,000 |
| Application Approved But Not Accepted | 2 | $200,000 | $100,000 | $115,000 | $45,000 | $54,000 |
| File Closed For Incompleteness | 1 | $95,000 | $95,000 | $95,000 | $86,000 | $86,000 |
| 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 | 54 | $5,150,000 | $95,000 | $415,000 | $67,000 | $225,000 |
| Debt-To-Income Ratio | 18 | $2,200,000 | $122,000 | $315,000 | $58,000 | $115,000 |
| Credit History | 2 | $290,000 | $145,000 | $165,000 | $62,000 | $77,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $101,000 | $101,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $145,000 | $145,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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