Cotton County, OK Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 199 mortgage applications in Cotton County, OK totaling $19.1 million, down 1% from 2016. The average application was for $95,000, and applicants reported an average income of $62,000. 50% of applications resulted in an originated loan and 26% were denied. The most active lender was Walters Bank and Trust Company, with 49 applications, followed by Arvest Bank and PennyMac Loan Services LLC.
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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 | $19,092,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $379,000 |
* 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 |
* | $ 58,289,000 | 49 | $ 2,589,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,686,060,000 | 14 | $ 730,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 978,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 578,866,000 | 6 | $ 405,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 384,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 771,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 5 | $ 596,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 5 | $ 445,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 409,577,000 | 4 | $ 1,255,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 4 | $ 527,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 274,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 323,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 239,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,074,980,000 | 3 | $ 153,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 586,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 3 | $ 484,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 614,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 3 | $ 216,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 374,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 376,177,000 | 2 | $ 275,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,767,095,000 | 2 | $ 97,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 250,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 25,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 454,283,000 | 2 | $ 450,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,576,177,000 | 2 | $ 44,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 176,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 85,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 151,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 346,453,000 | 2 | $ 325,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 257,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 300,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 382,721,000 | 1 | $ 9,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 572,928,000 | 1 | $ 30,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 51,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 7,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 473,401,000 | 1 | $ 25,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 205,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 550,032,000 | 1 | $ 264,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 208,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,507,934,000 | 1 | $ 20,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 1 | $ 76,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 1 | $ 279,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 165,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 142,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 164,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 200,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 96,000 |
| Quail Creek Bank, National Association 12201 N. MAY AVENUE OKLAHOMA CITY, OK 73120 |
* | $ 595,948,000 | 1 | $ 49,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ -1,000 | 1 | $ 62,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 88,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 123,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 83,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 328,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 6,584,834,000 | 1 | $ 106,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 52,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,005,733,000 | 1 | $ 54,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 61,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 74,000 |
The tables below break down 2017 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 2017
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 | 81 | $9,452,000 | $116,000 | $328,000 | $65,000 | $196,000 |
| Home Purchase | 80 | $8,184,000 | $102,000 | $360,000 | $60,000 | $379,000 |
| Home Improvement | 38 | $1,456,000 | $38,000 | $303,000 | $60,000 | $125,000 |
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 | 142 | $12,268,000 | $86,000 | $328,000 | $67,000 | $379,000 |
| Not Provided | 26 | $3,890,000 | $149,000 | $360,000 | $67,000 | $160,000 |
| Not applicable | 14 | $1,858,000 | $132,000 | $328,000 | $8,000 | $117,000 |
| American Indian or Alaskan Native | 8 | $616,000 | $77,000 | $196,000 | $68,000 | $124,000 |
| Hispanic | 4 | $82,000 | $20,000 | $52,000 | $67,000 | $123,000 |
| Black or African American | 3 | $67,000 | $22,000 | $54,000 | $31,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $69,000 | $69,000 | $69,000 | $43,000 | $43,000 |
| Asian | 1 | $242,000 | $242,000 | $242,000 | $75,000 | $75,000 |
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) | 135 | $10,912,000 | $80,000 | $360,000 | $69,000 | $379,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,892,000 | $108,000 | $200,000 | $47,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,684,000 | $160,000 | $328,000 | $55,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $604,000 | $120,000 | $181,000 | $12,000 | $62,000 |
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 | 99 | $8,735,000 | $88,000 | $360,000 | $70,000 | $379,000 |
| Application Denied By Financial Institution | 51 | $4,172,000 | $81,000 | $328,000 | $56,000 | $196,000 |
| Application Withdrawn By Applicant | 18 | $2,454,000 | $136,000 | $328,000 | $90,000 | $185,000 |
| Loan Purchased By The Institution | 17 | $2,199,000 | $129,000 | $328,000 | $20,000 | $117,000 |
| File Closed For Incompleteness | 10 | $1,287,000 | $128,000 | $208,000 | $43,000 | $113,000 |
| Application Approved But Not Accepted | 4 | $245,000 | $61,000 | $82,000 | $49,000 | $77,000 |
| 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 | 5 | $292,000 | $58,000 | $172,000 | $54,000 | $101,000 |
| Credit Application Incomplete | 3 | $235,000 | $78,000 | $104,000 | $46,000 | $81,000 |
| Collateral | 1 | $48,000 | $48,000 | $48,000 | $35,000 | $35,000 |
| Debt-To-Income Ratio | 1 | $308,000 | $308,000 | $308,000 | $160,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $76,000 | $76,000 | $76,000 | $32,000 | $32,000 |
| Other | 1 | $279,000 | $279,000 | $279,000 | $120,000 | $120,000 |
| 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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