Ellis County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 81 mortgage applications in Ellis County, OK totaling $8.0 million, down 27% from 2017. The average application was for $98,000, and applicants reported an average income of $71,000. 40% of applications resulted in an originated loan and 25% were denied. The most active lender was Midfirst Bank, with 10 applications, followed by Caliber Home Loans, Inc. and Wells Fargo Bank 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 | 81 |
| Total Mortgage Loan Application Amount | $8,015,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $257,000 |
| 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 |
* | $ 14,726,156,000 | 10 | $ 660,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 830,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 5 | $ 585,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 629,025,000 | 5 | $ 435,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 410,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 4 | $ 380,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 365,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 375,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 3,493,190,000 | 3 | $ 315,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 702,648,000 | 3 | $ 285,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 210,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 200,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 2 | $ 150,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 280,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 285,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ -1,000 | 1 | $ 135,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 105,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 962,350,000 | 1 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 125,000 |
| Acb Bank 323 S GRAND AVE CHEROKEE, OK 73728 |
* | $ 120,674,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 75,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 506,990,000 | 1 | $ 15,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 105,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 25,000 |
The tables below break down 2018 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 2018
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 | 51 | $5,345,000 | $104,000 | $285,000 | $71,000 | $257,000 |
| Cash-out Refinancing | 10 | $820,000 | $82,000 | $155,000 | $72,000 | $105,000 |
| Refinancing | 10 | $1,150,000 | $115,000 | $195,000 | $77,000 | $90,000 |
| Home Improvement | 6 | $390,000 | $65,000 | $125,000 | $64,000 | $88,000 |
| Not Applicable | 4 | $310,000 | $77,000 | $175,000 | $63,000 | $86,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 61 | $6,275,000 | $102,000 | $285,000 | $71,000 | $257,000 |
| Not applicable | 6 | $470,000 | $78,000 | $105,000 | $0 | $0 |
| Not Provided | 5 | $535,000 | $107,000 | $155,000 | $70,000 | $105,000 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $175,000 | $66,000 | $127,000 |
| Asian | 3 | $255,000 | $85,000 | $85,000 | $77,000 | $98,000 |
| Hispanic | 2 | $130,000 | $65,000 | $65,000 | $59,000 | $95,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $63,000 | $63,000 |
| 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) | 52 | $4,850,000 | $93,000 | $195,000 | $74,000 | $257,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,225,000 | $105,000 | $265,000 | $71,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 5 | $735,000 | $147,000 | $285,000 | $64,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $205,000 | $68,000 | $95,000 | $42,000 | $51,000 |
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 | 32 | $3,260,000 | $101,000 | $285,000 | $68,000 | $144,000 |
| Application Denied By Financial Institution | 20 | $1,690,000 | $84,000 | $185,000 | $70,000 | $166,000 |
| Application Withdrawn By Applicant | 12 | $1,270,000 | $105,000 | $195,000 | $68,000 | $115,000 |
| Loan Purchased By The Institution | 12 | $1,270,000 | $105,000 | $265,000 | $74,000 | $121,000 |
| File Closed For Incompleteness | 4 | $480,000 | $120,000 | $175,000 | $107,000 | $257,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $29,000 | $29,000 |
| 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 | 59 | $6,115,000 | $103,000 | $285,000 | $71,000 | $257,000 |
| Credit History | 7 | $605,000 | $86,000 | $145,000 | $68,000 | $166,000 |
| Debt-To-Income Ratio | 6 | $680,000 | $113,000 | $185,000 | $92,000 | $99,000 |
| Collateral | 6 | $430,000 | $71,000 | $95,000 | $66,000 | $95,000 |
| Unverifiable Information | 2 | $90,000 | $45,000 | $65,000 | $52,000 | $81,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $85,000 | $85,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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