Cotton County, OK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 158 mortgage applications in Cotton County, OK totaling $22.6 million, down 5% from 2021. The average application was for $142,000, and applicants reported an average income of $79,000. 46% of applications resulted in an originated loan and 22% were denied. The most active lender was Arvest Bank, with 15 applications, followed by Amerisave Mortgage Company and Triad Financial Services, Inc..
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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 | 158 |
| Total Mortgage Loan Application Amount | $22,550,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $260,000 |
* 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 |
|---|---|---|---|---|
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 15 | $ 1,955,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 11 | $ 1,605,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 9 | $ 895,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 8,265,835,000 | 8 | $ 740,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,270,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 1,130,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 6 | $ 800,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 4 | $ 600,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 490,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 660,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 4 | $ 310,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 500,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,780,864,000 | 3 | $ 865,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 345,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 907,216,000 | 3 | $ 575,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 275,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 275,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 12,464,313,000 | 2 | $ 540,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 360,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 2 | $ 190,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 50,093,398,000 | 2 | $ 550,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ 284,131,000 | 2 | $ 360,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 330,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 250,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 480,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 370,000 |
| Bank of Clarke 2 E MAIN ST BERRYVILLE, VA 22611 |
* | $ 1,302,913,000 | 2 | $ 440,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 439,366,000 | 2 | $ 180,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 255,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ 463,813,000 | 1 | $ 55,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 581,869,000 | 1 | $ 45,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 7,134,316,000 | 1 | $ 105,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 559,943,000 | 1 | $ 135,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 215,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 225,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 864,242,000 | 1 | $ 15,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 35,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
| Fort Sill Federal Credit Union PO BOX 1527 LAWTON, OK 73502 |
* | $ 355,060,000 | 1 | $ 155,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 335,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 185,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 175,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 1 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 175,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 125,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 55,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 18,959,414,000 | 1 | $ 175,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 115,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 769,911,000 | 1 | $ 555,000 |
The tables below break down 2022 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 2022
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 | 86 | $12,700,000 | $147,000 | $645,000 | $76,000 | $188,000 |
| Refinancing | 32 | $5,190,000 | $162,000 | $395,000 | $81,000 | $230,000 |
| Cash-out Refinancing | 28 | $3,910,000 | $139,000 | $285,000 | $81,000 | $205,000 |
| Other Purpose | 7 | $435,000 | $62,000 | $95,000 | $96,000 | $260,000 |
| Home Improvement | 4 | $270,000 | $67,000 | $115,000 | $59,000 | $91,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 104 | $16,000,000 | $153,000 | $645,000 | $82,000 | $230,000 |
| Not Provided | 24 | $2,560,000 | $106,000 | $225,000 | $78,000 | $260,000 |
| Not applicable | 17 | $2,545,000 | $149,000 | $265,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $695,000 | $99,000 | $225,000 | $52,000 | $86,000 |
| Hispanic | 5 | $675,000 | $135,000 | $175,000 | $61,000 | $113,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 94 | $13,490,000 | $143,000 | $645,000 | $87,000 | $260,000 |
| FHA-insured (Federal Housing Administration) | 38 | $5,350,000 | $140,000 | $255,000 | $62,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,765,000 | $162,000 | $365,000 | $82,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $945,000 | $105,000 | $185,000 | $46,000 | $55,000 |
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 | 73 | $11,025,000 | $151,000 | $645,000 | $82,000 | $230,000 |
| Application Denied By Financial Institution | 34 | $3,360,000 | $98,000 | $245,000 | $68,000 | $260,000 |
| Application Withdrawn By Applicant | 25 | $3,675,000 | $147,000 | $365,000 | $80,000 | $205,000 |
| Loan Purchased By The Institution | 15 | $2,415,000 | $161,000 | $265,000 | $86,000 | $97,000 |
| File Closed For Incompleteness | 9 | $1,465,000 | $162,000 | $365,000 | $71,000 | $139,000 |
| Application Approved But Not Accepted | 2 | $610,000 | $305,000 | $375,000 | $134,000 | $185,000 |
| 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 | 121 | $18,535,000 | $153,000 | $645,000 | $81,000 | $230,000 |
| Debt-To-Income Ratio | 9 | $1,125,000 | $125,000 | $555,000 | $60,000 | $161,000 |
| Collateral | 8 | $1,140,000 | $142,000 | $245,000 | $94,000 | $260,000 |
| Credit History | 7 | $665,000 | $95,000 | $205,000 | $71,000 | $108,000 |
| Other | 6 | $330,000 | $55,000 | $75,000 | $62,000 | $139,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $125,000 | $89,000 | $113,000 |
| Employment History | 2 | $250,000 | $125,000 | $125,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $210,000 | $105,000 | $125,000 | $34,000 | $34,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $19,000 | $19,000 |
| 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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