Ellis County, OK Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 78 mortgage applications in Ellis County, OK totaling $6.3 million, down 14% from 2011. The average application was for $81,000, and applicants reported an average income of $71,000. 38% of applications resulted in an originated loan and 27% were denied. The most active lender was Midfirst Bank, with 11 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, 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 | 78 |
| Total Mortgage Loan Application Amount | $6,337,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $195,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $513,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 11 | $ 551,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 864,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 497,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 7 | $ 532,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 343,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 4 | $ 253,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 211,563,000 | 3 | $ 283,000 |
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 310,316,000 | 3 | $ 296,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 3 | $ 217,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 2 | $ 43,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 286,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 190,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 113,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 98,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 87,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 163,218,000 | 1 | $ 68,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 117,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 83,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 36,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,647,148,000 | 1 | $ 87,000 |
| Westreet Federal Credit Union 9323 E.21ST STREET TULSA, OK 74129 |
* | $ 600,363,000 | 1 | $ 45,000 |
| McClain Bank 131 W. MAIN STREET PURCELL, OK 73080 |
* | $ 173,108,000 | 1 | $ 77,000 |
| Ynb P.O BOX 851700 YUKON, OK 73099 |
* | $ 176,426,000 | 1 | $ 45,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 231,586,000 | 1 | $ 80,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 381,310,000 | 1 | $ 94,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 7,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 167,000 |
The tables below break down 2012 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 2012
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 | 52 | $4,135,000 | $79,000 | $172,000 | $63,000 | $166,000 |
| Refinancing | 21 | $2,119,000 | $100,000 | $195,000 | $68,000 | $157,000 |
| Home Improvement | 5 | $83,000 | $16,000 | $25,000 | $162,000 | $513,000 |
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 | 54 | $4,476,000 | $82,000 | $195,000 | $80,000 | $513,000 |
| Not Provided | 10 | $791,000 | $79,000 | $153,000 | $69,000 | $120,000 |
| Not applicable | 7 | $669,000 | $95,000 | $172,000 | $0 | $0 |
| Hispanic | 4 | $126,000 | $31,000 | $58,000 | $59,000 | $88,000 |
| American Indian or Alaskan Native | 3 | $275,000 | $91,000 | $98,000 | $94,000 | $136,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 50 | $3,731,000 | $74,000 | $190,000 | $83,000 | $513,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,875,000 | $98,000 | $195,000 | $53,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $410,000 | $68,000 | $87,000 | $34,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 3 | $321,000 | $107,000 | $117,000 | $55,000 | $68,000 |
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 | 30 | $2,521,000 | $84,000 | $195,000 | $76,000 | $158,000 |
| Application Denied By Financial Institution | 21 | $1,555,000 | $74,000 | $168,000 | $84,000 | $513,000 |
| Loan Purchased By The Institution | 15 | $1,410,000 | $94,000 | $190,000 | $31,000 | $98,000 |
| Application Approved But Not Accepted | 8 | $621,000 | $77,000 | $96,000 | $76,000 | $120,000 |
| Application Withdrawn By Applicant | 4 | $230,000 | $57,000 | $156,000 | $103,000 | $166,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 10 | $671,000 | $67,000 | $159,000 | $110,000 | $513,000 |
| Debt-To-Income Ratio | 2 | $174,000 | $87,000 | $167,000 | $41,000 | $42,000 |
| Employment History | 1 | $43,000 | $43,000 | $43,000 | $41,000 | $41,000 |
| Collateral | 1 | $168,000 | $168,000 | $168,000 | $157,000 | $157,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $72,000 | $72,000 |
| Other | 1 | $58,000 | $58,000 | $58,000 | $37,000 | $37,000 |
| Unverifiable Information | 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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