Greer County, OK Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 99 mortgage applications in Greer County, OK totaling $8.7 million, down 27% from 2008. The average application was for $87,000, and applicants reported an average income of $61,000. 36% of applications resulted in an originated loan and 33% were denied. The most active lender was Bank of America, N.A., with 15 applications, followed by Embrace Home Loans, Inc. and Midfirst 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 | 99 |
| Total Mortgage Loan Application Amount | $8,684,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $449,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $237,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 15 | $ 1,610,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 1,047,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 10 | $ 780,000 |
| First National Bank and Trust Company 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ 185,625,000 | 7 | $ 354,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 5 | $ 474,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 4 | $ 381,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 406,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 228,000 |
| Bank of Commerce PO BOX 29 CHELSEA, OK 74016 |
* | $ 160,637,000 | 2 | $ 148,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 159,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 9,262,734,000 | 2 | $ 148,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 116,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 351,242,000 | 2 | $ 40,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 3,854,707,000 | 2 | $ 83,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 2 | $ 121,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 264,025,000 | 2 | $ 310,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 43,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 137,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 178,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 91,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 55,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 136,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 53,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 85,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 97,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 105,000 |
| Nbc Oklahoma 13401 N PENN OKC, OK 73120 |
* | $ 449,026,000 | 1 | $ 100,000 |
| Bank of the Wichitas 623 E STREET SNYDER, OK 73566 |
* | $ 114,677,000 | 1 | $ 449,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 85,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 64,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 80,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 34,000 |
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 289,265,000 | 1 | $ 48,000 |
The tables below break down 2009 mortgage applications in Greer 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 Greer County, OK in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 54 | $5,365,000 | $99,000 | $449,000 | $66,000 | $237,000 |
| Home Purchase | 33 | $2,633,000 | $79,000 | $184,000 | $57,000 | $102,000 |
| Home Improvement | 12 | $686,000 | $57,000 | $193,000 | $52,000 | $116,000 |
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 | 83 | $7,688,000 | $92,000 | $449,000 | $65,000 | $237,000 |
| Not Provided | 6 | $581,000 | $96,000 | $155,000 | $55,000 | $116,000 |
| Hispanic | 6 | $319,000 | $53,000 | $115,000 | $42,000 | $56,000 |
| Not applicable | 3 | $74,000 | $24,000 | $36,000 | $9,000 | $28,000 |
| Black or African American | 1 | $22,000 | $22,000 | $22,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 58 | $4,598,000 | $79,000 | $449,000 | $67,000 | $237,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,364,000 | $105,000 | $235,000 | $55,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 5 | $435,000 | $87,000 | $100,000 | $51,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $287,000 | $71,000 | $95,000 | $38,000 | $66,000 |
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 | 36 | $3,258,000 | $90,000 | $449,000 | $69,000 | $237,000 |
| Application Denied By Financial Institution | 33 | $2,697,000 | $81,000 | $184,000 | $49,000 | $116,000 |
| Loan Purchased By The Institution | 18 | $1,503,000 | $83,000 | $235,000 | $61,000 | $174,000 |
| Application Withdrawn By Applicant | 8 | $822,000 | $102,000 | $155,000 | $82,000 | $180,000 |
| File Closed For Incompleteness | 2 | $308,000 | $154,000 | $193,000 | $55,000 | $66,000 |
| Application Approved But Not Accepted | 2 | $96,000 | $48,000 | $74,000 | $55,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $720,000 | $90,000 | $145,000 | $71,000 | $116,000 |
| Debt-To-Income Ratio | 3 | $208,000 | $69,000 | $143,000 | $50,000 | $56,000 |
| Unverifiable Information | 2 | $150,000 | $75,000 | $97,000 | $54,000 | $66,000 |
| Other | 1 | $64,000 | $64,000 | $64,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $184,000 | $184,000 | $184,000 | $87,000 | $87,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $66,000 | $66,000 |
| Credit History | 1 | $145,000 | $145,000 | $145,000 | $66,000 | $66,000 |
| Employment History | 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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