In 2014, lenders reported 309 mortgage applications in Craig County, OK totaling $29.7 million, down 27% from 2013. The average application was for $96,000, and applicants reported an average income of $73,000. 42% of applications resulted in an originated loan and 30% were denied. The most active lender was Arvest Bank, with 35 applications, followed by Arvest Mortgage Company and Bokf NA.
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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 | 309 |
| Total Mortgage Loan Application Amount | $29,734,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,727,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Arvest Bank TULSA, OK 74103 |
* | $ 14,081,085,000 | 35 | $ 924,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 26 | $ 2,259,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 19 | $ 2,307,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 11 | $ 1,241,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 10 | $ 1,052,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 723,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 9 | $ 1,332,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 543,000 |
| Vast Bank, N.A. 4812 E 81ST STREET TULSA, OK 74120 |
* | $ 217,381,000 | 9 | $ 946,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 8 | $ 852,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 8 | $ 621,000 |
| Ttcu the Credit Union 3720 E 31ST ST TULSA, OK 74135 |
* | $ 1,404,775,000 | 8 | $ 762,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 738,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 572,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 935,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 6 | $ 902,000 |
| First Bank & Trust Company PO BOX 427 WAGONER, OK 74477 |
* | $ 288,837,000 | 5 | $ 269,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 5 | $ 580,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 5 | $ 809,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 4 | $ 376,000 |
| Grand Savings Bank P O BOX 451809, 1022 SOUTH MAIN GROVE, OK 74344 |
* | $ 214,442,000 | 4 | $ 850,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 363,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 418,943,000 | 4 | $ 354,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,829,860,000 | 3 | $ 123,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 301,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 247,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 399,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 2,117,597,000 | 3 | $ 370,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 3 | $ 243,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 106,835,000 | 3 | $ 153,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 3 | $ 171,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,020,216,000 | 3 | $ 772,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 362,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 305,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 489,749,000 | 2 | $ 488,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 240,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 2 | $ 15,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 2 | $ 85,000 |
| Red Crown Federal Credit Union 5001 E 91ST ST TULSA, OK 74137 |
* | $ 146,470,000 | 2 | $ 107,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,378,157,000 | 1 | $ 55,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 449,453,000 | 1 | $ 87,000 |
| Apci Federal Credit Union PO BOX 20147 LEHIGH VALLEY, PA 18002 |
* | $ 502,872,000 | 1 | $ 7,000 |
| Avb Bank 302 SOUTH MAIN BROKEN ARROW, OK 74012 |
* | $ 260,314,000 | 1 | $ 164,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 809,899,000 | 1 | $ 157,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 1 | $ 60,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 321,888,000 | 1 | $ 76,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 140,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 93,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 171,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 119,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 192,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 838,887,000 | 1 | $ 37,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 200,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 309,135,000 | 1 | $ 89,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 63,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 119,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 86,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 71,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 93,000 |
| Mabrey Bank P O BOX 130 BIXBY, OK 74008 |
* | $ 718,118,000 | 1 | $ 75,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 153,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 35,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,138,548,000 | 1 | $ 4,000 |
| Westreet Federal Credit Union 9323 E.21ST STREET TULSA, OK 74129 |
* | $ 637,874,000 | 1 | $ 50,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 40,000 |
| Labette Bank PO BOX 497 319 4TH ALTAMONT, KS 67330 |
* | $ 352,132,000 | 1 | $ 265,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 179,000 |
| American Bank of Oklahoma 200 E MAIN, P.O. BOX 66 COLLINSVILLE, OK 74021 |
* | $ 170,693,000 | 1 | $ 262,000 |
| Oklahoma Central Credit Union 4956 SOUTH PEORIA AVENUE 4956 S. PEORIA AVE, OK 74105 |
* | $ 476,176,000 | 1 | $ 40,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 129,000 |
The tables below break down 2014 mortgage applications in Craig County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 151 | $17,294,000 | $114,000 | $417,000 | $80,000 | $1,727,000 |
| Refinancing | 125 | $11,651,000 | $93,000 | $271,000 | $61,000 | $284,000 |
| Home Improvement | 33 | $789,000 | $23,000 | $200,000 | $84,000 | $781,000 |
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 | 177 | $17,939,000 | $101,000 | $417,000 | $94,000 | $1,727,000 |
| American Indian or Alaskan Native | 65 | $5,156,000 | $79,000 | $271,000 | $52,000 | $174,000 |
| Not applicable | 29 | $3,393,000 | $117,000 | $323,000 | $7,000 | $114,000 |
| Not Provided | 27 | $2,495,000 | $92,000 | $180,000 | $71,000 | $278,000 |
| Hispanic | 6 | $389,000 | $64,000 | $179,000 | $44,000 | $102,000 |
| Black or African American | 3 | $246,000 | $82,000 | $146,000 | $38,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $66,000 | $66,000 | $66,000 | $47,000 | $47,000 |
| Asian | 1 | $50,000 | $50,000 | $50,000 | $60,000 | $60,000 |
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) | 189 | $17,065,000 | $90,000 | $417,000 | $93,000 | $1,727,000 |
| FHA-insured (Federal Housing Administration) | 72 | $7,593,000 | $105,000 | $228,000 | $45,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,089,000 | $83,000 | $143,000 | $25,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 23 | $2,987,000 | $129,000 | $205,000 | $47,000 | $120,000 |
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 | 129 | $13,325,000 | $103,000 | $417,000 | $96,000 | $1,727,000 |
| Application Denied By Financial Institution | 93 | $6,798,000 | $73,000 | $271,000 | $58,000 | $278,000 |
| Loan Purchased By The Institution | 39 | $4,236,000 | $108,000 | $227,000 | $35,000 | $284,000 |
| Application Withdrawn By Applicant | 24 | $3,128,000 | $130,000 | $262,000 | $79,000 | $279,000 |
| File Closed For Incompleteness | 13 | $1,404,000 | $108,000 | $270,000 | $57,000 | $132,000 |
| Application Approved But Not Accepted | 11 | $843,000 | $76,000 | $164,000 | $60,000 | $112,000 |
| 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 | 13 | $1,000,000 | $76,000 | $180,000 | $51,000 | $110,000 |
| Collateral | 10 | $754,000 | $75,000 | $155,000 | $77,000 | $140,000 |
| Debt-To-Income Ratio | 7 | $758,000 | $108,000 | $170,000 | $67,000 | $120,000 |
| Credit Application Incomplete | 3 | $299,000 | $99,000 | $192,000 | $118,000 | $161,000 |
| Other | 3 | $163,000 | $54,000 | $136,000 | $132,000 | $278,000 |
| Unverifiable Information | 2 | $164,000 | $82,000 | $112,000 | $30,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $107,000 | $53,000 | $57,000 | $49,000 | $56,000 |
| 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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