Coal County, OK Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 133 mortgage applications in Coal County, OK totaling $18.2 million, up 45% from 2024. The average application was for $136,000, and applicants reported an average income of $85,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 26 applications, followed by First United Bank and Trust Co and Guild Mortgage 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 | 133 |
| Total Mortgage Loan Application Amount | $18,185,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $561,000 |
| 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 |
* | $ n/a | 26 | $ 2,600,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 8 | $ 1,180,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 6 | $ 1,220,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 5 | $ 655,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 515,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 520,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 420,000 |
| Shamrock Bank N.A. 101 N MAIN ST COALGATE, OK 74538 |
* | $ n/a | 4 | $ 530,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 4 | $ 730,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 710,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 3 | $ 185,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 525,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 375,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 255,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ n/a | 2 | $ 240,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 190,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 270,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 330,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 280,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 360,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ n/a | 1 | $ 135,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 165,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 285,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 275,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 175,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 145,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ n/a | 1 | $ 115,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 1 | $ 395,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 85,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 185,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 215,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 125,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 195,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 175,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 135,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 105,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 155,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 275,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 195,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 85,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 175,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 25,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 55,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2025 mortgage applications in Coal 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 Coal County, OK in 2025
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 | 73 | $9,725,000 | $133,000 | $395,000 | $86,000 | $561,000 |
| Cash-out Refinancing | 32 | $4,630,000 | $144,000 | $365,000 | $76,000 | $167,000 |
| Refinancing | 15 | $2,435,000 | $162,000 | $405,000 | $91,000 | $159,000 |
| Other Purpose | 10 | $1,210,000 | $121,000 | $245,000 | $101,000 | $228,000 |
| Home Improvement | 3 | $185,000 | $61,000 | $105,000 | $97,000 | $155,000 |
| 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 | 77 | $11,105,000 | $144,000 | $405,000 | $92,000 | $561,000 |
| American Indian or Alaskan Native | 29 | $3,465,000 | $119,000 | $215,000 | $74,000 | $139,000 |
| Not Provided | 13 | $1,635,000 | $125,000 | $275,000 | $75,000 | $181,000 |
| Not applicable | 11 | $1,635,000 | $148,000 | $305,000 | $167,000 | $167,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $37,000 | $37,000 |
| Black or African American | 1 | $195,000 | $195,000 | $195,000 | $72,000 | $72,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 80 | $10,170,000 | $127,000 | $405,000 | $90,000 | $561,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,870,000 | $146,000 | $275,000 | $78,000 | $209,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,975,000 | $179,000 | $335,000 | $76,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $170,000 | $85,000 | $85,000 | $49,000 | $49,000 |
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 | 59 | $8,025,000 | $136,000 | $405,000 | $98,000 | $561,000 |
| Application Denied By Financial Institution | 30 | $4,560,000 | $152,000 | $395,000 | $71,000 | $166,000 |
| File Closed For Incompleteness | 18 | $1,890,000 | $105,000 | $255,000 | $67,000 | $120,000 |
| Application Withdrawn By Applicant | 11 | $1,665,000 | $151,000 | $285,000 | $82,000 | $209,000 |
| Loan Purchased By The Institution | 11 | $1,635,000 | $148,000 | $305,000 | $167,000 | $167,000 |
| Application Approved But Not Accepted | 4 | $410,000 | $102,000 | $175,000 | $78,000 | $113,000 |
| 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 | 103 | $13,625,000 | $132,000 | $405,000 | $90,000 | $561,000 |
| Credit History | 12 | $1,810,000 | $150,000 | $395,000 | $79,000 | $157,000 |
| Debt-To-Income Ratio | 10 | $1,440,000 | $144,000 | $275,000 | $61,000 | $166,000 |
| Other | 2 | $220,000 | $110,000 | $155,000 | $64,000 | $64,000 |
| Collateral | 2 | $280,000 | $140,000 | $165,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 2 | $380,000 | $190,000 | $275,000 | $89,000 | $89,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $40,000 | $40,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $89,000 | $89,000 |
| 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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