Coal County, OK Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 81 mortgage applications in Coal County, OK totaling $7.2 million, down 1% from 2011. The average application was for $88,000, and applicants reported an average income of $67,000. 37% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank NA, with 11 applications, followed by Vanderbilt Mortgage and Finance, Inc and Vision Bank.
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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 | 81 |
| Total Mortgage Loan Application Amount | $7,185,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $900,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 11 | $ 1,192,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 545,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 552,016,000 | 7 | $ 501,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,647,148,000 | 6 | $ 71,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,155,000 | 6 | $ 770,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 5 | $ 752,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 381,310,000 | 4 | $ 184,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 261,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 244,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 2 | $ 271,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,675,891,000 | 2 | $ 74,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 273,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 209,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 64,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 101,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 139,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 141,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 1 | $ 67,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 413,191,000 | 1 | $ 62,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 183,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 153,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,534,000 | 1 | $ 50,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,507,508,000 | 1 | $ 111,000 |
| US Employees Oc Federal Credit Union 4301 S INTERSTATE 44 SERVICE RD. OKLAHOMA CITY, OK 73119 |
* | $ 120,480,000 | 1 | $ 41,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 23,000 |
| Allegiance Federal Credit Union 4235 N MERIDIAN AVE OKLAHOMA CITY, OK 73112 |
* | $ 223,743,000 | 1 | $ 119,000 |
The tables below break down 2012 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 2012
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 | 44 | $4,560,000 | $103,000 | $300,000 | $82,000 | $900,000 |
| Home Purchase | 26 | $2,266,000 | $87,000 | $220,000 | $42,000 | $160,000 |
| Home Improvement | 11 | $359,000 | $32,000 | $137,000 | $63,000 | $193,000 |
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 | 52 | $4,696,000 | $90,000 | $300,000 | $82,000 | $900,000 |
| Not Provided | 12 | $1,005,000 | $83,000 | $199,000 | $46,000 | $89,000 |
| American Indian or Alaskan Native | 10 | $1,001,000 | $100,000 | $220,000 | $46,000 | $127,000 |
| Not applicable | 4 | $357,000 | $89,000 | $120,000 | $0 | $0 |
| Hispanic | 3 | $126,000 | $42,000 | $62,000 | $42,000 | $48,000 |
| 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) | 57 | $4,712,000 | $82,000 | $300,000 | $63,000 | $193,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,111,000 | $100,000 | $260,000 | $82,000 | $900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $279,000 | $139,000 | $183,000 | $40,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 1 | $83,000 | $83,000 | $83,000 | $0 | $0 |
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 | 30 | $2,829,000 | $94,000 | $300,000 | $63,000 | $193,000 |
| Application Denied By Financial Institution | 17 | $1,454,000 | $85,000 | $183,000 | $100,000 | $900,000 |
| Application Withdrawn By Applicant | 12 | $1,106,000 | $92,000 | $148,000 | $59,000 | $125,000 |
| Application Approved But Not Accepted | 10 | $731,000 | $73,000 | $220,000 | $66,000 | $139,000 |
| Loan Purchased By The Institution | 8 | $728,000 | $91,000 | $120,000 | $37,000 | $116,000 |
| File Closed For Incompleteness | 4 | $337,000 | $84,000 | $149,000 | $40,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $296,000 | $98,000 | $143,000 | $343,000 | $900,000 |
| Unverifiable Information | 2 | $277,000 | $138,000 | $153,000 | $138,000 | $160,000 |
| Debt-To-Income Ratio | 1 | $133,000 | $133,000 | $133,000 | $34,000 | $34,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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