In 2010, lenders reported 492 mortgage applications in Beckham County, OK totaling $57.1 million, down 38% from 2009. The average application was for $116,000, and applicants reported an average income of $61,000. 35% of applications resulted in an originated loan and 24% were denied. The most active lender was Bank of America, N.A., with 67 applications, followed by American Southwest Mortgage Corp. and JPMorgan Chase Bank, NA.
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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 | 492 |
| Total Mortgage Loan Application Amount | $57,143,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $382,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 67 | $ 8,206,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 63 | $ 7,819,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 34 | $ 4,410,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 33 | $ 5,240,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 30 | $ 2,733,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 27 | $ 3,360,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 24 | $ 2,970,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 1,047,000 |
| Legacy Bank 101 W MAIN HINTON, OK 73047 |
* | $ 469,151,000 | 21 | $ 1,229,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 12 | $ 1,312,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 10 | $ 1,000,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 8 | $ 1,315,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 479,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 6 | $ 627,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 787,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 314,901,000 | 5 | $ 464,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 5 | $ 504,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 262,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,430,404,000 | 4 | $ 192,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 4 | $ 265,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 433,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 544,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 4 | $ 864,000 |
| Main Street Financial 9953 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 8,801,000 | 3 | $ 367,000 |
| Frontier State Bank 5100 S. I-35 SVC RD OKLAHOMA CITY, OK 73129 |
* | $ 547,217,000 | 3 | $ 689,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 599,709,000 | 3 | $ 44,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 482,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 269,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 89,620,000 | 2 | $ 412,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 2 | $ 24,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 4,369,210,000 | 2 | $ 185,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 2 | $ 173,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 313,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 258,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 284,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,189,784,000 | 2 | $ 536,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 196,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 261,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 766,641,000 | 2 | $ 184,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 161,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 113,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Bank of the Wichitas Mortgage 1801 NW CACHE RD LAWTON, OK 73507 |
* | $ 81,889,000 | 1 | $ 65,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 17,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,122,815,000 | 1 | $ 104,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 80,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 242,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 178,000 |
| Leader Mortgage Corp. 3400 PARK PL N MUSKOGEE, OK 74403 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 96,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 150,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 1 | $ 152,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 114,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 95,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 181,272,000 | 1 | $ 46,000 |
| Bank of Albuquerque, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 1,586,835,000 | 1 | $ 138,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 187,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 141,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 75,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 84,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 136,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 499,993,000 | 1 | $ 281,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 862,852,000 | 1 | $ 82,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 72,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 150,000 |
| The First State Bank 3030 NW EXPRESSWAY, SUITE 130 OKLAHOMA CITY, OK 73112 |
* | $ 71,100,000 | 1 | $ 65,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,911,006,000 | 1 | $ 11,000 |
| Western Sun Federal Credit Union 4620 W KENOSHA STREET BROKEN ARROW, OK 74012 |
* | $ 108,728,000 | 1 | $ 80,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 167,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 188,577,000 | 1 | $ 112,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 80,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 96,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 124,000 |
The tables below break down 2010 mortgage applications in Beckham County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 241 | $30,666,000 | $127,000 | $382,000 | $67,000 | $204,000 |
| Home Purchase | 231 | $25,552,000 | $110,000 | $305,000 | $55,000 | $212,000 |
| Home Improvement | 20 | $925,000 | $46,000 | $270,000 | $53,000 | $137,000 |
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 | 407 | $47,246,000 | $116,000 | $382,000 | $63,000 | $212,000 |
| Not Provided | 28 | $3,468,000 | $123,000 | $281,000 | $56,000 | $135,000 |
| Hispanic | 27 | $2,500,000 | $92,000 | $326,000 | $61,000 | $140,000 |
| Not applicable | 14 | $1,588,000 | $113,000 | $203,000 | $15,000 | $112,000 |
| American Indian or Alaskan Native | 7 | $989,000 | $141,000 | $343,000 | $74,000 | $152,000 |
| Black or African American | 4 | $443,000 | $110,000 | $148,000 | $56,000 | $68,000 |
| Asian | 3 | $610,000 | $203,000 | $206,000 | $46,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $299,000 | $149,000 | $150,000 | $54,000 | $54,000 |
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) | 242 | $28,331,000 | $117,000 | $382,000 | $68,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 160 | $18,379,000 | $114,000 | $277,000 | $58,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $5,923,000 | $113,000 | $214,000 | $43,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 38 | $4,510,000 | $118,000 | $206,000 | $52,000 | $122,000 |
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 | 174 | $21,244,000 | $122,000 | $343,000 | $68,000 | $177,000 |
| Loan Purchased By The Institution | 121 | $14,944,000 | $123,000 | $275,000 | $59,000 | $168,000 |
| Application Denied By Financial Institution | 119 | $12,365,000 | $103,000 | $382,000 | $54,000 | $212,000 |
| Application Withdrawn By Applicant | 37 | $3,854,000 | $104,000 | $193,000 | $48,000 | $135,000 |
| Application Approved But Not Accepted | 34 | $3,810,000 | $112,000 | $365,000 | $70,000 | $140,000 |
| File Closed For Incompleteness | 7 | $926,000 | $132,000 | $184,000 | $72,000 | $119,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $1,104,000 | $64,000 | $183,000 | $39,000 | $90,000 |
| Debt-To-Income Ratio | 17 | $1,897,000 | $111,000 | $273,000 | $49,000 | $212,000 |
| Collateral | 12 | $1,938,000 | $161,000 | $331,000 | $94,000 | $204,000 |
| Credit Application Incomplete | 6 | $726,000 | $121,000 | $175,000 | $57,000 | $105,000 |
| Other | 6 | $854,000 | $142,000 | $382,000 | $91,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $165,000 | $82,000 | $85,000 | $45,000 | $67,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $98,000 | $98,000 |
| Employment History | 1 | $214,000 | $214,000 | $214,000 | $77,000 | $77,000 |
| 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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