Cotton County, OK Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 352 mortgage applications in Cotton County, OK totaling $28.6 million, up 1% from 2006. The average application was for $81,000, and applicants reported an average income of $56,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was Beneficial Company LLC, with 64 applications, followed by Countrywide Home Loans and Bancfirst.
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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 | 352 |
| Total Mortgage Loan Application Amount | $28,580,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $401,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $676,000 |
* 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 |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 64 | $ 3,790,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 24 | $ 2,386,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 3,403,471,000 | 16 | $ 1,171,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 16 | $ 1,596,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 8,793,828,000 | 12 | $ 286,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 9 | $ 1,127,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 9 | $ 787,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 14,365,940,000 | 9 | $ 808,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 939,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 674,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 8 | $ 543,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 296,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 8,793,828,000 | 7 | $ 557,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 645,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 6 | $ 571,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 6 | $ 854,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 233,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 131,400,000 | 5 | $ 664,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 5 | $ 430,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 5 | $ 324,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 5 | $ 462,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 5 | $ 399,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 277,761,000 | 4 | $ 372,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 4 | $ 442,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 272,362,000 | 4 | $ 39,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 236,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 4 | $ 161,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 4 | $ 453,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 394,000 |
| Wells Fargo Fin'l Oklahoma,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 408,000 |
| Southwest Oklahoma Federal Credit Union 1806 NW LIBERTY AVE LAWTON, OK 73507 |
* | $ 72,500,000 | 3 | $ 184,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 3 | $ 433,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 207,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 300,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 154,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 2 | $ 125,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 30,802,955,000 | 2 | $ 16,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 367,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 183,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 152,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 2 | $ 57,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 118,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 2 | $ 316,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 2 | $ 117,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 2 | $ 132,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 15,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 1 | $ 62,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 219,802,000 | 1 | $ 81,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 377,704,000 | 1 | $ 9,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 89,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 20,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 51,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 180,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 60,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 1 | $ 5,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 1 | $ 68,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 58,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 1 | $ 28,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 5,533,327,000 | 1 | $ 135,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 300,958,000 | 1 | $ 95,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 70,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 27,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 1 | $ 320,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 95,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 136,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 34,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 14,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 226,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 90,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 246,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 1 | $ 166,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 33,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 170,982,000 | 1 | $ 67,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 72,000 |
| Chickasha Bank & Trust Company 1924 S. 4TH CHICKASHA, OK 73018 |
* | $ 157,528,000 | 1 | $ 50,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 1 | $ 77,000 |
The tables below break down 2007 mortgage applications in Cotton 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 Cotton County, OK in 2007
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 | 183 | $15,288,000 | $83,000 | $401,000 | $59,000 | $420,000 |
| Home Purchase | 117 | $11,175,000 | $95,000 | $320,000 | $52,000 | $676,000 |
| Home Improvement | 52 | $2,117,000 | $40,000 | $121,000 | $57,000 | $205,000 |
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 | 240 | $19,450,000 | $81,000 | $401,000 | $61,000 | $420,000 |
| Not Provided | 37 | $2,594,000 | $70,000 | $175,000 | $46,000 | $88,000 |
| Black or African American | 23 | $3,010,000 | $130,000 | $293,000 | $88,000 | $676,000 |
| Not applicable | 22 | $1,821,000 | $82,000 | $320,000 | $11,000 | $124,000 |
| American Indian or Alaskan Native | 16 | $1,002,000 | $62,000 | $123,000 | $47,000 | $106,000 |
| Hispanic | 12 | $547,000 | $45,000 | $71,000 | $35,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $3,000 | $3,000 | $3,000 | $52,000 | $52,000 |
| Asian | 1 | $153,000 | $153,000 | $153,000 | $48,000 | $48,000 |
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) | 312 | $24,903,000 | $79,000 | $320,000 | $56,000 | $676,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,059,000 | $76,000 | $180,000 | $43,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 9 | $874,000 | $97,000 | $141,000 | $42,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $744,000 | $186,000 | $401,000 | $178,000 | $345,000 |
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 | 134 | $11,301,000 | $84,000 | $401,000 | $64,000 | $420,000 |
| Application Denied By Financial Institution | 113 | $8,132,000 | $71,000 | $250,000 | $51,000 | $300,000 |
| Loan Purchased By The Institution | 41 | $3,932,000 | $95,000 | $320,000 | $37,000 | $135,000 |
| Application Withdrawn By Applicant | 39 | $3,193,000 | $81,000 | $256,000 | $64,000 | $676,000 |
| Application Approved But Not Accepted | 16 | $1,188,000 | $74,000 | $244,000 | $67,000 | $155,000 |
| File Closed For Incompleteness | 9 | $834,000 | $92,000 | $201,000 | $53,000 | $94,000 |
| 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 | 12 | $1,337,000 | $111,000 | $250,000 | $48,000 | $96,000 |
| Collateral | 10 | $716,000 | $71,000 | $166,000 | $68,000 | $300,000 |
| Credit Application Incomplete | 4 | $547,000 | $136,000 | $246,000 | $63,000 | $85,000 |
| Debt-To-Income Ratio | 4 | $400,000 | $100,000 | $216,000 | $34,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $250,000 | $250,000 | $250,000 | $0 | $0 |
| Other | 1 | $72,000 | $72,000 | $72,000 | $24,000 | $24,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $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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