Harmon County, OK Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 19 mortgage applications in Harmon County, OK totaling $1.3 million, down 10% from 2011. The average application was for $68,000, and applicants reported an average income of $56,000. 26% of applications resulted in an originated loan and 26% were denied. The most active lender was American Southwest Mortgage Corp., with 3 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 19 |
| Total Mortgage Loan Application Amount | $1,308,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $329,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $267,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 463,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 3 | $ 242,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 97,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 1 | $ 7,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 46,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 7,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 56,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 65,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ 244,209,000 | 1 | $ 41,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 381,310,000 | 1 | $ 45,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 20,000 |
The tables below break down 2012 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 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 | 9 | $481,000 | $53,000 | $71,000 | $26,000 | $74,000 |
| Refinancing | 7 | $793,000 | $113,000 | $329,000 | $88,000 | $267,000 |
| Home Improvement | 3 | $34,000 | $11,000 | $20,000 | $73,000 | $150,000 |
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 | 11 | $940,000 | $85,000 | $329,000 | $71,000 | $267,000 |
| Not applicable | 4 | $169,000 | $42,000 | $60,000 | $0 | $0 |
| Not Provided | 2 | $88,000 | $44,000 | $81,000 | $93,000 | $150,000 |
| Hispanic | 2 | $111,000 | $55,000 | $66,000 | $48,000 | $69,000 |
| 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 |
| 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) | 9 | $700,000 | $77,000 | $329,000 | $63,000 | $267,000 |
| FHA-insured (Federal Housing Administration) | 7 | $431,000 | $61,000 | $131,000 | $51,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $112,000 | $56,000 | $66,000 | $14,000 | $28,000 |
| VA-guaranteed (Veterans Administration) | 1 | $65,000 | $65,000 | $65,000 | $115,000 | $115,000 |
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 Purchased By The Institution | 6 | $306,000 | $51,000 | $71,000 | $17,000 | $74,000 |
| Application Denied By Financial Institution | 5 | $327,000 | $65,000 | $131,000 | $26,000 | $69,000 |
| Loan Originated | 5 | $611,000 | $122,000 | $329,000 | $115,000 | $267,000 |
| Application Approved But Not Accepted | 1 | $7,000 | $7,000 | $7,000 | $150,000 | $150,000 |
| Application Withdrawn By Applicant | 1 | $20,000 | $20,000 | $20,000 | $71,000 | $71,000 |
| File Closed For Incompleteness | 1 | $37,000 | $37,000 | $37,000 | $43,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $69,000 | $69,000 |
| Collateral | 1 | $131,000 | $131,000 | $131,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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