Cotton County, OK Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 199 mortgage applications in Cotton County, OK totaling $20.0 million, up 1% from 2008. The average application was for $100,000, and applicants reported an average income of $55,000. 39% of applications resulted in an originated loan and 27% were denied. The most active lender was Bank of America, N.A., with 22 applications, followed by Bank of Oklahoma, NA 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 | 199 |
| Total Mortgage Loan Application Amount | $20,017,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $564,000 |
* 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 |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 22 | $ 2,501,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,610,571,000 | 15 | $ 1,580,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 12 | $ 1,486,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 8 | $ 592,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 10,210,879,000 | 7 | $ 318,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 3,854,707,000 | 7 | $ 705,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 472,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 6 | $ 523,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 6 | $ 605,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 6 | $ 563,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 6 | $ 261,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 726,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 6 | $ 563,000 |
| Cornerstone Home Loans, LLC 1101 SW C AVENUE LAWTON, OK 73501 |
* | $ 81,889,000 | 5 | $ 602,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 5 | $ 440,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 4 | $ 523,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 156,468,000 | 4 | $ 276,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 439,358,000 | 4 | $ 464,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 528,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 196,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 278,594,000 | 3 | $ 275,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 225,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 414,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 272,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 2 | $ 156,000 |
| Fort Sill Federal Credit Union PO BOX 1527 LAWTON, OK 73502 |
* | $ 184,932,000 | 2 | $ 165,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 186,010,000 | 2 | $ 321,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 340,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 295,097,000 | 2 | $ 185,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 372,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 1 | $ 47,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 116,326,000 | 1 | $ 112,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,378,470,000 | 1 | $ 158,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 1 | $ 61,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 25,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 152,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 162,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 6,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 43,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 257,561,000 | 1 | $ 45,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 10,000 |
| Washita Mortgage Inc. 1207 WEST GRAND CHICKASHA, OK 73018 |
* | $ 185,650,000 | 1 | $ 202,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,039,978,000 | 1 | $ 86,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 15,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 476,521,000 | 1 | $ 59,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 117,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 72,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 145,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 325,000 |
| Brenner Mortgage Corp. 101 E. HURD, STE. F EDMOND, OK 73034 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 1 | $ 63,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 91,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 138,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 132,000 |
The tables below break down 2009 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 2009
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 | 122 | $13,417,000 | $109,000 | $325,000 | $64,000 | $564,000 |
| Home Purchase | 65 | $6,061,000 | $93,000 | $265,000 | $39,000 | $153,000 |
| Home Improvement | 12 | $539,000 | $44,000 | $134,000 | $56,000 | $126,000 |
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 | 155 | $15,690,000 | $101,000 | $325,000 | $58,000 | $564,000 |
| Not Provided | 15 | $1,606,000 | $107,000 | $260,000 | $57,000 | $135,000 |
| Not applicable | 14 | $1,297,000 | $92,000 | $207,000 | $12,000 | $68,000 |
| Hispanic | 10 | $989,000 | $98,000 | $138,000 | $70,000 | $147,000 |
| American Indian or Alaskan Native | 3 | $268,000 | $89,000 | $118,000 | $49,000 | $101,000 |
| Black or African American | 2 | $167,000 | $83,000 | $91,000 | $51,000 | $55,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 106 | $10,422,000 | $98,000 | $325,000 | $66,000 | $564,000 |
| FHA-insured (Federal Housing Administration) | 58 | $5,387,000 | $92,000 | $216,000 | $49,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,704,000 | $128,000 | $207,000 | $41,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,504,000 | $107,000 | $265,000 | $22,000 | $70,000 |
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 | 77 | $7,684,000 | $99,000 | $317,000 | $64,000 | $564,000 |
| Application Denied By Financial Institution | 54 | $5,358,000 | $99,000 | $325,000 | $60,000 | $200,000 |
| Loan Purchased By The Institution | 40 | $4,033,000 | $100,000 | $256,000 | $32,000 | $125,000 |
| Application Withdrawn By Applicant | 12 | $1,446,000 | $120,000 | $300,000 | $59,000 | $128,000 |
| File Closed For Incompleteness | 8 | $675,000 | $84,000 | $145,000 | $53,000 | $96,000 |
| Application Approved But Not Accepted | 8 | $821,000 | $102,000 | $260,000 | $55,000 | $135,000 |
| 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 | $1,418,000 | $83,000 | $152,000 | $61,000 | $147,000 |
| Collateral | 11 | $1,255,000 | $114,000 | $298,000 | $69,000 | $145,000 |
| Debt-To-Income Ratio | 4 | $394,000 | $98,000 | $130,000 | $40,000 | $56,000 |
| Credit Application Incomplete | 2 | $191,000 | $95,000 | $107,000 | $30,000 | $34,000 |
| Other | 2 | $79,000 | $39,000 | $76,000 | $61,000 | $93,000 |
| Unverifiable Information | 1 | $112,000 | $112,000 | $112,000 | $64,000 | $64,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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