Harmon County, OK Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 40 mortgage applications in Harmon County, OK totaling $4.7 million, up 54% from 2024. The average application was for $117,000, and applicants reported an average income of $76,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Cattlemens Bank, with 7 applications, followed by Mortgage Research Center and Freedom Mortgage Corporation.
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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 | 40 |
| Total Mortgage Loan Application Amount | $4,680,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $250,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Cattlemens Bank PO BOX 8086 ALTUS, OK 73522 |
* | $ n/a | 7 | $ 285,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 185,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 570,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 270,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 310,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ n/a | 2 | $ 120,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 115,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 1 | $ 155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 95,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 425,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 255,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 85,000 |
| Sovereign Bank 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ n/a | 1 | $ 155,000 |
| Red River Federal Credit Union 2721 N MAIN STREET ALTUS, OK 73521 |
* | $ n/a | 1 | $ 155,000 |
| Shamrock Bank N.A. 101 N MAIN ST COALGATE, OK 74538 |
* | $ n/a | 1 | $ 425,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 95,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ n/a | 1 | $ 35,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 35,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2025 mortgage applications in Harmon 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 Harmon 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 | 23 | $2,185,000 | $95,000 | $215,000 | $73,000 | $193,000 |
| Refinancing | 6 | $1,710,000 | $285,000 | $425,000 | $125,000 | $201,000 |
| Cash-out Refinancing | 5 | $415,000 | $83,000 | $155,000 | $87,000 | $250,000 |
| Home Improvement | 3 | $95,000 | $31,000 | $45,000 | $82,000 | $113,000 |
| Other Purpose | 3 | $275,000 | $91,000 | $125,000 | $26,000 | $34,000 |
| Not Applicable | 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 | 25 | $3,075,000 | $123,000 | $425,000 | $71,000 | $201,000 |
| Not applicable | 6 | $880,000 | $146,000 | $425,000 | $0 | $0 |
| Hispanic | 4 | $400,000 | $100,000 | $215,000 | $80,000 | $115,000 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $155,000 | $73,000 | $98,000 |
| Not Provided | 2 | $90,000 | $45,000 | $55,000 | $129,000 | $250,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $85,000 | $85,000 |
| Asian | 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) | 24 | $2,430,000 | $101,000 | $425,000 | $92,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,605,000 | $178,000 | $425,000 | $52,000 | $86,000 |
| FHA-insured (Federal Housing Administration) | 6 | $520,000 | $86,000 | $205,000 | $38,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $55,000 | $55,000 |
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 | 18 | $2,660,000 | $147,000 | $425,000 | $62,000 | $193,000 |
| Application Denied By Financial Institution | 8 | $530,000 | $66,000 | $155,000 | $98,000 | $250,000 |
| Application Withdrawn By Applicant | 5 | $635,000 | $127,000 | $255,000 | $70,000 | $201,000 |
| Loan Purchased By The Institution | 4 | $450,000 | $112,000 | $155,000 | $60,000 | $60,000 |
| Application Approved But Not Accepted | 3 | $95,000 | $31,000 | $35,000 | $73,000 | $89,000 |
| File Closed For Incompleteness | 2 | $310,000 | $155,000 | $215,000 | $107,000 | $115,000 |
| 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 | 28 | $3,970,000 | $141,000 | $425,000 | $63,000 | $201,000 |
| Debt-To-Income Ratio | 9 | $475,000 | $52,000 | $155,000 | $92,000 | $193,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $250,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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