Atoka County, OK Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 319 mortgage applications in Atoka County, OK totaling $48.9 million, down 6% from 2022. The average application was for $153,000, and applicants reported an average income of $95,000. 38% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 86 applications, followed by Guild Mortgage Company and First United Bank and Trust Co.
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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 | 319 |
| Total Mortgage Loan Application Amount | $48,915,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $738,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 86 | $ 11,010,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 21 | $ 3,915,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ 14,547,035,000 | 17 | $ 2,725,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 2,170,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 12 | $ 1,660,000 |
| Shamrock Bank N.A. 101 N MAIN ST COALGATE, OK 74538 |
* | $ 430,827,000 | 11 | $ 1,135,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 890,423,000 | 9 | $ 1,445,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,095,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,445,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 1,020,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 960,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 6 | $ 410,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 6 | $ 1,240,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 5 | $ 625,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 5 | $ 895,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 4 | $ 340,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 4 | $ 1,290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 450,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 720,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 4 | $ 340,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 445,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 855,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 585,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 675,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 595,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 2 | $ 500,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 10,406,351,000 | 2 | $ 500,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 2 | $ 390,000 |
| First Texoma National Bank 220 W MAIN DURANT, OK 74701 |
* | $ 227,034,000 | 2 | $ 220,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 730,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 440,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 500,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 285,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 405,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 65,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 1 | $ 225,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 145,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 155,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 35,000 |
| Allegiance Federal Credit Union 4235 N MERIDIAN AVE OKLAHOMA CITY, OK 73112 |
* | $ 358,759,000 | 1 | $ 55,000 |
| The Bank, National Association 201 E CARL ALBERT PKWY MCALESTER, OK 74501 |
* | $ 484,490,000 | 1 | $ 335,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 65,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 115,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 1 | $ 285,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 265,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 275,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 285,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ 2,395,777,000 | 1 | $ 155,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,725,398,000 | 1 | $ 75,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 25,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 3,908,828,000 | 1 | $ 15,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 45,000 |
| American Exchange Bank 510 W MAIN ST HENRYETTA, OK 74437 |
* | $ 80,649,000 | 1 | $ 5,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 824,264,000 | 1 | $ 25,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 145,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 125,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 1,458,130,000 | 1 | $ 315,000 |
| Ameristate Bank 131 SOUTH PENNSYLVANIA AVENUE ATOKA, OK 74525 |
* | $ 361,152,000 | 1 | $ 125,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 6,032,105,000 | 1 | $ 75,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 165,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 255,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 35,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 780,587,000 | 1 | $ 65,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 1 | $ 205,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 195,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 253,800,000 | 1 | $ 35,000 |
The tables below break down 2023 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 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 | 231 | $35,455,000 | $153,000 | $595,000 | $100,000 | $738,000 |
| Cash-out Refinancing | 38 | $6,470,000 | $170,000 | $405,000 | $73,000 | $176,000 |
| Refinancing | 24 | $5,230,000 | $217,000 | $425,000 | $106,000 | $217,000 |
| Other Purpose | 16 | $1,100,000 | $68,000 | $155,000 | $67,000 | $188,000 |
| Home Improvement | 10 | $660,000 | $66,000 | $155,000 | $82,000 | $136,000 |
| 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 | 221 | $34,825,000 | $157,000 | $595,000 | $90,000 | $370,000 |
| American Indian or Alaskan Native | 58 | $7,840,000 | $135,000 | $335,000 | $98,000 | $587,000 |
| Not Provided | 21 | $3,145,000 | $149,000 | $515,000 | $124,000 | $738,000 |
| Not applicable | 9 | $1,345,000 | $149,000 | $325,000 | $0 | $0 |
| Hispanic | 7 | $1,275,000 | $182,000 | $295,000 | $120,000 | $285,000 |
| Black or African American | 2 | $350,000 | $175,000 | $285,000 | $81,000 | $91,000 |
| 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) | 246 | $35,190,000 | $143,000 | $595,000 | $101,000 | $738,000 |
| FHA-insured (Federal Housing Administration) | 42 | $7,380,000 | $175,000 | $395,000 | $76,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,440,000 | $209,000 | $405,000 | $77,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $905,000 | $181,000 | $275,000 | $67,000 | $133,000 |
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 | 120 | $19,170,000 | $159,000 | $595,000 | $101,000 | $738,000 |
| Application Denied By Financial Institution | 76 | $10,520,000 | $138,000 | $395,000 | $92,000 | $587,000 |
| File Closed For Incompleteness | 53 | $7,625,000 | $143,000 | $365,000 | $97,000 | $587,000 |
| Application Withdrawn By Applicant | 45 | $7,105,000 | $157,000 | $385,000 | $86,000 | $184,000 |
| Application Approved But Not Accepted | 16 | $2,890,000 | $180,000 | $335,000 | $82,000 | $144,000 |
| Loan Purchased By The Institution | 9 | $1,605,000 | $178,000 | $325,000 | $87,000 | $127,000 |
| 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 | 227 | $36,555,000 | $161,000 | $595,000 | $95,000 | $738,000 |
| Credit History | 43 | $5,755,000 | $133,000 | $305,000 | $108,000 | $587,000 |
| Debt-To-Income Ratio | 27 | $3,315,000 | $122,000 | $335,000 | $81,000 | $234,000 |
| Collateral | 11 | $1,485,000 | $135,000 | $365,000 | $85,000 | $144,000 |
| Credit Application Incomplete | 5 | $785,000 | $157,000 | $235,000 | $63,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $255,000 | $88,000 | $139,000 |
| Mortgage Insurance Denied | 1 | $395,000 | $395,000 | $395,000 | $91,000 | $91,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $110,000 | $110,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Employment History | 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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