Ellis County, OK Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 58 mortgage applications in Ellis County, OK totaling $7.9 million, down 15% from 2024. The average application was for $136,000, and applicants reported an average income of $88,000. 28% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 8 applications, followed by Countryplace Mortgage, Ltd. and Great Plains National Bank.
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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 | 58 |
| Total Mortgage Loan Application Amount | $7,930,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $495,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $399,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 890,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 5 | $ 665,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ n/a | 4 | $ 660,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 465,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 345,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 2 | $ 410,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 330,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 2 | $ 460,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 380,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 260,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 590,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 185,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 95,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 95,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 275,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 65,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 55,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 125,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 145,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 155,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 25,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2025 mortgage applications in Ellis 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 Ellis County, OK in 2025
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 | 41 | $5,705,000 | $139,000 | $495,000 | $86,000 | $192,000 |
| Cash-out Refinancing | 6 | $1,050,000 | $175,000 | $215,000 | $84,000 | $137,000 |
| Refinancing | 5 | $745,000 | $149,000 | $185,000 | $75,000 | $104,000 |
| Other Purpose | 3 | $195,000 | $65,000 | $75,000 | $48,000 | $62,000 |
| Home Improvement | 2 | $210,000 | $105,000 | $135,000 | $220,000 | $399,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 43 | $5,505,000 | $128,000 | $495,000 | $82,000 | $399,000 |
| Not Provided | 6 | $800,000 | $133,000 | $185,000 | $83,000 | $192,000 |
| Not applicable | 5 | $715,000 | $143,000 | $275,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $500,000 | $250,000 | $255,000 | $169,000 | $169,000 |
| Hispanic | 2 | $410,000 | $205,000 | $245,000 | $134,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 44 | $6,150,000 | $139,000 | $275,000 | $95,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 8 | $830,000 | $103,000 | $185,000 | $62,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 4 | $750,000 | $187,000 | $495,000 | $67,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $200,000 | $100,000 | $105,000 | $52,000 | $75,000 |
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 | 16 | $2,580,000 | $161,000 | $495,000 | $92,000 | $181,000 |
| Application Denied By Financial Institution | 16 | $2,390,000 | $149,000 | $255,000 | $97,000 | $192,000 |
| Application Withdrawn By Applicant | 10 | $1,110,000 | $111,000 | $245,000 | $102,000 | $399,000 |
| Loan Purchased By The Institution | 6 | $770,000 | $128,000 | $275,000 | $108,000 | $108,000 |
| File Closed For Incompleteness | 5 | $445,000 | $89,000 | $115,000 | $42,000 | $62,000 |
| Application Approved But Not Accepted | 5 | $635,000 | $127,000 | $195,000 | $62,000 | $108,000 |
| 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 | 42 | $5,540,000 | $131,000 | $495,000 | $84,000 | $399,000 |
| Credit History | 7 | $1,205,000 | $172,000 | $255,000 | $99,000 | $169,000 |
| Debt-To-Income Ratio | 3 | $365,000 | $121,000 | $215,000 | $59,000 | $79,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $155,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $155,000 | $95,000 | $130,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $192,000 | $192,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $104,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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