Atoka County, OK Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 255 mortgage applications in Atoka County, OK totaling $28.6 million, up 13% from 2012. The average application was for $111,000, and applicants reported an average income of $61,000. 34% of applications resulted in an originated loan and 34% were denied. The most active lender was Guild Mortgage Company, with 33 applications, followed by Vanderbilt Mortgage and Finance, Inc and First United Bank and Trust Company.
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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 | 255 |
| Total Mortgage Loan Application Amount | $28,559,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $601,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $300,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 33 | $ 5,184,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 30 | $ 1,753,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,236,657,000 | 30 | $ 4,253,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 881,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 17 | $ 2,417,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,883,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 411,593,000 | 12 | $ 1,068,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 9 | $ 1,167,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 8 | $ 886,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 5 | $ 686,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 635,520,000 | 5 | $ 511,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 4 | $ 424,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 323,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 383,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,751,541,000 | 4 | $ 305,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 3 | $ 234,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 850,646,000 | 3 | $ 326,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 429,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 236,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 138,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 2 | $ 298,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 298,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 457,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 2 | $ 205,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 2 | $ 123,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 235,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,004,568,000 | 2 | $ 155,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 2 | $ 356,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 44,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 58,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 410,759,000 | 1 | $ 66,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 175,000 |
| First Texoma National Bank 220 W MAIN DURANT, OK 74701 |
* | $ 164,032,000 | 1 | $ 35,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 165,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 58,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 90,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 177,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 119,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 320,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,941,572,000 | 1 | $ 39,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 64,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 90,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 13,199,987,000 | 1 | $ 81,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 15,000 |
The tables below break down 2013 mortgage applications in Atoka 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 Atoka County, OK in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 134 | $17,463,000 | $130,000 | $601,000 | $63,000 | $275,000 |
| Home Purchase | 115 | $10,969,000 | $95,000 | $312,000 | $58,000 | $300,000 |
| Home Improvement | 6 | $127,000 | $21,000 | $41,000 | $61,000 | $115,000 |
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 | 191 | $21,888,000 | $114,000 | $601,000 | $61,000 | $275,000 |
| American Indian or Alaskan Native | 29 | $3,393,000 | $117,000 | $353,000 | $70,000 | $153,000 |
| Not Provided | 19 | $1,995,000 | $105,000 | $492,000 | $39,000 | $100,000 |
| Not applicable | 8 | $755,000 | $94,000 | $153,000 | $39,000 | $65,000 |
| Black or African American | 5 | $250,000 | $50,000 | $92,000 | $36,000 | $54,000 |
| Hispanic | 3 | $278,000 | $92,000 | $123,000 | $157,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 186 | $19,919,000 | $107,000 | $601,000 | $64,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 43 | $5,397,000 | $125,000 | $267,000 | $51,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,158,000 | $143,000 | $287,000 | $66,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,085,000 | $98,000 | $210,000 | $41,000 | $79,000 |
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 | 86 | $10,118,000 | $117,000 | $601,000 | $67,000 | $216,000 |
| Application Denied By Financial Institution | 86 | $9,149,000 | $106,000 | $357,000 | $60,000 | $275,000 |
| Application Approved But Not Accepted | 32 | $2,565,000 | $80,000 | $252,000 | $50,000 | $123,000 |
| Application Withdrawn By Applicant | 26 | $3,865,000 | $148,000 | $492,000 | $56,000 | $121,000 |
| Loan Purchased By The Institution | 15 | $1,763,000 | $117,000 | $287,000 | $48,000 | $118,000 |
| File Closed For Incompleteness | 10 | $1,099,000 | $109,000 | $236,000 | $78,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 16 | $2,405,000 | $150,000 | $357,000 | $52,000 | $116,000 |
| Credit History | 11 | $956,000 | $86,000 | $169,000 | $58,000 | $100,000 |
| Collateral | 8 | $770,000 | $96,000 | $151,000 | $47,000 | $85,000 |
| Credit Application Incomplete | 5 | $757,000 | $151,000 | $320,000 | $122,000 | $275,000 |
| Other | 3 | $228,000 | $76,000 | $97,000 | $53,000 | $100,000 |
| Unverifiable Information | 1 | $78,000 | $78,000 | $78,000 | $110,000 | $110,000 |
| Employment History | 1 | $52,000 | $52,000 | $52,000 | $25,000 | $25,000 |
| 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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