Cotton County, OK Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 181 mortgage applications in Cotton County, OK totaling $17.0 million, up 12% from 2018. The average application was for $94,000, and applicants reported an average income of $71,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Walters Bank and Trust Company, with 44 applications, followed by Arvest Bank and Bancfirst.
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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 | 181 |
| Total Mortgage Loan Application Amount | $17,035,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $717,000 |
* 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 |
* | $ 55,174,000 | 44 | $ 2,280,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 18 | $ 1,000,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,555,421,000 | 11 | $ 695,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 10 | $ 570,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 8 | $ 1,100,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 8 | $ 1,150,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,050,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 570,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 705,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 355,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 375,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 3 | $ 495,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 3 | $ 295,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 225,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 341,114,000 | 2 | $ 380,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 260,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 130,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 2 | $ 90,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 7,010,234,000 | 1 | $ 265,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 85,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 75,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 420,019,000 | 1 | $ 95,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 115,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 145,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 352,132,000 | 1 | $ 75,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 165,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 175,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ 438,494,000 | 1 | $ 15,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 1 | $ 115,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 85,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 585,397,000 | 1 | $ 65,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 115,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 85,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 1 | $ 115,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 732,343,000 | 1 | $ 195,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ -1,000 | 1 | $ 115,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 175,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 115,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ 156,992,000 | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2019 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 2019
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 | 78 | $7,310,000 | $93,000 | $275,000 | $70,000 | $717,000 |
| Refinancing | 44 | $3,920,000 | $89,000 | $335,000 | $69,000 | $200,000 |
| Cash-out Refinancing | 34 | $4,540,000 | $133,000 | $325,000 | $74,000 | $185,000 |
| Other Purpose | 13 | $525,000 | $40,000 | $155,000 | $61,000 | $145,000 |
| Home Improvement | 10 | $460,000 | $46,000 | $85,000 | $83,000 | $191,000 |
| Not Applicable | 2 | $280,000 | $140,000 | $165,000 | $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 | 125 | $11,455,000 | $91,000 | $275,000 | $77,000 | $717,000 |
| Not applicable | 16 | $2,030,000 | $126,000 | $265,000 | $57,000 | $102,000 |
| American Indian or Alaskan Native | 16 | $1,430,000 | $89,000 | $325,000 | $48,000 | $131,000 |
| Not Provided | 15 | $1,375,000 | $91,000 | $335,000 | $63,000 | $173,000 |
| Hispanic | 5 | $225,000 | $45,000 | $65,000 | $26,000 | $40,000 |
| Asian | 2 | $190,000 | $95,000 | $175,000 | $104,000 | $131,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $68,000 | $68,000 |
| 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) | 125 | $9,215,000 | $73,000 | $335,000 | $72,000 | $717,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,490,000 | $109,000 | $175,000 | $59,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,855,000 | $202,000 | $325,000 | $82,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $475,000 | $95,000 | $135,000 | $47,000 | $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 | 101 | $8,765,000 | $86,000 | $335,000 | $71,000 | $200,000 |
| Application Denied By Financial Institution | 39 | $3,315,000 | $85,000 | $325,000 | $55,000 | $131,000 |
| Loan Purchased By The Institution | 19 | $2,335,000 | $122,000 | $265,000 | $53,000 | $102,000 |
| Application Withdrawn By Applicant | 17 | $1,755,000 | $103,000 | $255,000 | $110,000 | $717,000 |
| File Closed For Incompleteness | 4 | $760,000 | $190,000 | $255,000 | $93,000 | $140,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $61,000 | $61,000 |
| 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 | 93 | $10,445,000 | $112,000 | $335,000 | $83,000 | $717,000 |
| Debt-To-Income Ratio | 65 | $4,215,000 | $64,000 | $265,000 | $59,000 | $200,000 |
| Credit History | 12 | $1,090,000 | $90,000 | $325,000 | $44,000 | $75,000 |
| Collateral | 4 | $430,000 | $107,000 | $275,000 | $57,000 | $60,000 |
| Other | 3 | $345,000 | $115,000 | $215,000 | $101,000 | $131,000 |
| Credit Application Incomplete | 2 | $320,000 | $160,000 | $195,000 | $77,000 | $113,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $60,000 | $60,000 |
| 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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