Cotton County, OK Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 202 mortgage applications in Cotton County, OK totaling $18.1 million, up 74% from 2015. The average application was for $89,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 26% were denied. The most active lender was Walters Bank and Trust Company, with 59 applications, followed by loanDepot.com LLC and Arvest 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 | 202 |
| Total Mortgage Loan Application Amount | $18,093,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $211,000 |
* 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 |
|---|---|---|---|---|
| Walters Bank and Trust Company 201 N BROADWAY WALTERS, OK 73572 |
* | $ 58,311,000 | 59 | $ 3,432,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 18 | $ 2,812,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 11 | $ 258,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 7 | $ 697,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,678,359,000 | 7 | $ 381,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 328,884,000 | 5 | $ 371,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 586,172,000 | 5 | $ 487,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 5 | $ 448,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 310,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 689,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 307,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 3 | $ 252,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 292,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 347,492,000 | 3 | $ 503,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,446,707,000 | 3 | $ 149,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 385,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 285,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 311,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 43,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 251,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 292,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 288,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 274,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 223,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 149,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 192,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 2 | $ 364,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 130,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 395,134,000 | 2 | $ 116,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 295,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 86,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 530,104,000 | 1 | $ 40,000 |
| Bank of Commerce 1601 W COMMERCE DUNCAN, OK 73533 |
* | $ 292,818,000 | 1 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 72,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 159,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 48,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 138,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 149,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,033,171,000 | 1 | $ 44,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ 361,470,000 | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 58,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 46,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Legacytexas Bank 5851 LEGACY CIRCLE, SUITE 1200 PLANO, TX 75024 |
* | $ 7,693,349,000 | 1 | $ 4,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 210,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 125,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 66,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 484,477,000 | 1 | $ 48,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 575,144,000 | 1 | $ 74,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 1 | $ 187,000 |
The tables below break down 2016 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 2016
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 | 84 | $7,869,000 | $93,000 | $300,000 | $55,000 | $211,000 |
| Refinancing | 77 | $8,385,000 | $108,000 | $271,000 | $58,000 | $200,000 |
| Home Improvement | 41 | $1,839,000 | $44,000 | $360,000 | $62,000 | $146,000 |
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 | 152 | $13,230,000 | $87,000 | $300,000 | $65,000 | $211,000 |
| Not applicable | 24 | $2,494,000 | $103,000 | $250,000 | $9,000 | $121,000 |
| Not Provided | 8 | $861,000 | $107,000 | $182,000 | $70,000 | $115,000 |
| American Indian or Alaskan Native | 8 | $525,000 | $65,000 | $150,000 | $66,000 | $150,000 |
| Hispanic | 6 | $787,000 | $131,000 | $360,000 | $47,000 | $146,000 |
| Black or African American | 3 | $132,000 | $44,000 | $51,000 | $71,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $64,000 | $64,000 | $64,000 | $45,000 | $45,000 |
| 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) | 134 | $10,127,000 | $75,000 | $300,000 | $70,000 | $211,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,665,000 | $101,000 | $216,000 | $32,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 27 | $3,735,000 | $138,000 | $360,000 | $38,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $566,000 | $113,000 | $146,000 | $32,000 | $61,000 |
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 | 92 | $7,200,000 | $78,000 | $251,000 | $65,000 | $179,000 |
| Application Denied By Financial Institution | 53 | $5,332,000 | $100,000 | $360,000 | $59,000 | $211,000 |
| Loan Purchased By The Institution | 24 | $2,445,000 | $101,000 | $215,000 | $12,000 | $121,000 |
| Application Withdrawn By Applicant | 19 | $1,898,000 | $99,000 | $271,000 | $69,000 | $200,000 |
| Application Approved But Not Accepted | 8 | $639,000 | $79,000 | $300,000 | $89,000 | $199,000 |
| File Closed For Incompleteness | 6 | $579,000 | $96,000 | $156,000 | $44,000 | $107,000 |
| 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 | $351,000 | $87,000 | $138,000 | $80,000 | $106,000 |
| Debt-To-Income Ratio | 2 | $265,000 | $132,000 | $225,000 | $54,000 | $84,000 |
| Credit Application Incomplete | 2 | $251,000 | $125,000 | $155,000 | $116,000 | $120,000 |
| Other | 2 | $197,000 | $98,000 | $159,000 | $44,000 | $64,000 |
| Unverifiable Information | 1 | $93,000 | $93,000 | $93,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $111,000 | $111,000 | $111,000 | $87,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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