Cotton County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 162 mortgage applications in Cotton County, OK totaling $14.5 million, down 19% from 2017. The average application was for $89,000, and applicants reported an average income of $67,000. 49% of applications resulted in an originated loan and 27% were denied. The most active lender was Walters Bank and Trust Company, with 42 applications, followed by Arvest Bank and loanDepot.com 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 | 162 |
| Total Mortgage Loan Application Amount | $14,460,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $209,000 |
* 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 |
* | $ 57,098,000 | 42 | $ 2,730,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 15 | $ 805,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 735,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 6 | $ 740,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 5 | $ 585,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 5 | $ 625,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 395,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,236,903,000 | 4 | $ 280,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 325,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 225,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 514,398,000 | 3 | $ 345,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 2 | $ 210,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 90,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 300,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 150,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 2 | $ 350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 180,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 250,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 100,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 620,537,000 | 2 | $ 200,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 110,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 593,709,000 | 2 | $ 50,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 235,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 388,772,000 | 1 | $ 35,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,143,613,000 | 1 | $ 45,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ 410,319,000 | 1 | $ 15,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 456,461,000 | 1 | $ 35,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ 244,320,000 | 1 | $ 335,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 5,000 |
| Bank of Commerce 1601 W COMMERCE DUNCAN, OK 73533 |
* | $ 302,001,000 | 1 | $ 65,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 506,990,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 400,537,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 205,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 440,521,000 | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 25,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 85,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 165,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 15,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 1 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 325,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 125,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 387,568,000 | 1 | $ 75,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 335,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 1 | $ 105,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 75,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 115,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 350,544,000 | 1 | $ 205,000 |
The tables below break down 2018 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 2018
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 | 76 | $7,730,000 | $101,000 | $335,000 | $67,000 | $204,000 |
| Refinancing | 43 | $3,295,000 | $76,000 | $265,000 | $65,000 | $209,000 |
| Cash-out Refinancing | 22 | $2,600,000 | $118,000 | $255,000 | $71,000 | $160,000 |
| Other Purpose | 9 | $415,000 | $46,000 | $135,000 | $57,000 | $96,000 |
| Home Improvement | 8 | $290,000 | $36,000 | $55,000 | $77,000 | $130,000 |
| Not Applicable | 4 | $130,000 | $32,000 | $85,000 | $0 | $0 |
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 | 119 | $11,275,000 | $94,000 | $335,000 | $71,000 | $209,000 |
| Not applicable | 13 | $1,035,000 | $79,000 | $195,000 | $24,000 | $24,000 |
| Not Provided | 11 | $1,005,000 | $91,000 | $235,000 | $73,000 | $160,000 |
| American Indian or Alaskan Native | 9 | $635,000 | $70,000 | $125,000 | $37,000 | $45,000 |
| Hispanic | 8 | $330,000 | $41,000 | $65,000 | $43,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $89,000 | $89,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $56,000 | $56,000 |
| 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) | 113 | $9,335,000 | $82,000 | $335,000 | $68,000 | $209,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,690,000 | $134,000 | $265,000 | $89,000 | $160,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,350,000 | $75,000 | $175,000 | $47,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,085,000 | $98,000 | $135,000 | $43,000 | $58,000 |
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 | 79 | $7,085,000 | $89,000 | $335,000 | $73,000 | $209,000 |
| Application Denied By Financial Institution | 43 | $3,375,000 | $78,000 | $325,000 | $59,000 | $139,000 |
| Loan Purchased By The Institution | 17 | $1,905,000 | $112,000 | $335,000 | $79,000 | $160,000 |
| Application Withdrawn By Applicant | 16 | $1,480,000 | $92,000 | $165,000 | $56,000 | $108,000 |
| File Closed For Incompleteness | 5 | $435,000 | $87,000 | $125,000 | $61,000 | $87,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $115,000 | $87,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 77 | $8,105,000 | $105,000 | $335,000 | $65,000 | $160,000 |
| Debt-To-Income Ratio | 60 | $4,110,000 | $68,000 | $265,000 | $67,000 | $209,000 |
| Credit History | 9 | $565,000 | $62,000 | $125,000 | $59,000 | $127,000 |
| Other | 6 | $550,000 | $91,000 | $255,000 | $72,000 | $130,000 |
| Credit Application Incomplete | 5 | $425,000 | $85,000 | $105,000 | $79,000 | $119,000 |
| Collateral | 4 | $660,000 | $165,000 | $325,000 | $83,000 | $139,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $95,000 | $95,000 |
| 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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