Cotton County, OK Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 119 mortgage applications in Cotton County, OK totaling $10.5 million, down 12% from 2013. The average application was for $88,000, and applicants reported an average income of $52,000. 39% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank NA, with 11 applications, followed by Arvest Bank and US Bank, N.A..
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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 | 119 |
| Total Mortgage Loan Application Amount | $10,518,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $247,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $200,000 |
| 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 |
* | $ 1,373,600,000,000 | 11 | $ 1,181,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,081,085,000 | 9 | $ 223,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 8 | $ 675,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 321,888,000 | 7 | $ 600,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 5 | $ 536,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 291,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 4 | $ 438,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 4 | $ 475,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 4 | $ 312,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 450,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 611,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 197,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,020,216,000 | 3 | $ 439,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 340,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 394,950,000 | 2 | $ 8,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 191,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 920,100,000 | 2 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 148,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 236,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 296,452,000 | 2 | $ 95,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 250,035,000 | 1 | $ 132,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 565,460,000 | 1 | $ 121,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 161,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 120,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 104,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 149,000 |
| Washita Mortgage Inc. 1207 WEST GRAND CHICKASHA, OK 73018 |
* | $ 204,581,000 | 1 | $ 80,000 |
| Union Square CU 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 324,794,000 | 1 | $ 40,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 102,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 100,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 1 | $ 128,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 172,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,560,571,000 | 1 | $ 37,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 77,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 10,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 20,000 |
| Bank of the Wichitas Mortgage 1801 NW CACHE RD LAWTON, OK 73507 |
* | $ 81,889,000 | 1 | $ 188,000 |
| First American Mortgage, Inc. 1501 S. RANCHWOOD BLVD. YUKON, OK 73099 |
* | $ 1,749,000 | 1 | $ 138,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 50,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 78,000 |
The tables below break down 2014 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 2014
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 | 54 | $5,618,000 | $104,000 | $189,000 | $57,000 | $191,000 |
| Refinancing | 54 | $4,749,000 | $87,000 | $247,000 | $50,000 | $200,000 |
| Home Improvement | 11 | $151,000 | $13,000 | $45,000 | $42,000 | $115,000 |
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 | 92 | $8,136,000 | $88,000 | $247,000 | $62,000 | $200,000 |
| Not applicable | 17 | $1,560,000 | $91,000 | $177,000 | $0 | $0 |
| Not Provided | 5 | $544,000 | $108,000 | $189,000 | $68,000 | $98,000 |
| Hispanic | 4 | $171,000 | $42,000 | $117,000 | $34,000 | $57,000 |
| Black or African American | 1 | $107,000 | $107,000 | $107,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 73 | $5,749,000 | $78,000 | $247,000 | $60,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,030,000 | $96,000 | $189,000 | $54,000 | $161,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,461,000 | $97,000 | $187,000 | $27,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,278,000 | $127,000 | $179,000 | $28,000 | $65,000 |
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 | 47 | $4,618,000 | $98,000 | $247,000 | $63,000 | $145,000 |
| Application Denied By Financial Institution | 27 | $1,402,000 | $51,000 | $189,000 | $45,000 | $200,000 |
| Loan Purchased By The Institution | 25 | $2,525,000 | $101,000 | $189,000 | $23,000 | $136,000 |
| Application Approved But Not Accepted | 10 | $1,047,000 | $104,000 | $179,000 | $66,000 | $191,000 |
| Application Withdrawn By Applicant | 5 | $403,000 | $80,000 | $149,000 | $73,000 | $127,000 |
| File Closed For Incompleteness | 5 | $523,000 | $104,000 | $123,000 | $94,000 | $161,000 |
| 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 | 4 | $116,000 | $29,000 | $40,000 | $46,000 | $95,000 |
| Debt-To-Income Ratio | 3 | $312,000 | $104,000 | $189,000 | $61,000 | $92,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $49,000 | $49,000 | $49,000 | $19,000 | $19,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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