Harmon County, OK Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 51 mortgage applications in Harmon County, OK totaling $2.2 million, up 46% from 2013. The average application was for $42,000, and applicants reported an average income of $61,000. 65% of applications resulted in an originated loan and 22% were denied. The most active lender was Cattlemens Bank, with 34 applications, followed by Great Plains National Bank and Flagstar 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 | 51 |
| Total Mortgage Loan Application Amount | $2,173,000 |
| Average Mortgage Loan Application Amount | $42,000 |
| Highest Mortgage Loan Application Amount | $260,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $429,000 |
| 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 |
* | $ 151,556,000 | 34 | $ 1,061,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 6 | $ 366,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 73,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 9,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 58,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 418,943,000 | 1 | $ 17,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 106,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 60,000 |
The tables below break down 2014 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 2014
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 | 20 | $1,122,000 | $56,000 | $260,000 | $59,000 | $429,000 |
| Refinancing | 19 | $858,000 | $45,000 | $105,000 | $75,000 | $195,000 |
| Home Improvement | 12 | $193,000 | $16,000 | $61,000 | $45,000 | $88,000 |
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 | 33 | $1,667,000 | $50,000 | $260,000 | $73,000 | $429,000 |
| Black or African American | 8 | $181,000 | $22,000 | $51,000 | $36,000 | $70,000 |
| Hispanic | 6 | $122,000 | $20,000 | $38,000 | $56,000 | $120,000 |
| Not applicable | 2 | $80,000 | $40,000 | $65,000 | $0 | $0 |
| Not Provided | 2 | $123,000 | $61,000 | $106,000 | $44,000 | $54,000 |
| 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) | 48 | $1,976,000 | $41,000 | $260,000 | $62,000 | $429,000 |
| FHA-insured (Federal Housing Administration) | 3 | $197,000 | $65,000 | $110,000 | $59,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 33 | $1,376,000 | $41,000 | $260,000 | $65,000 | $429,000 |
| Application Denied By Financial Institution | 11 | $451,000 | $41,000 | $106,000 | $49,000 | $162,000 |
| Application Withdrawn By Applicant | 5 | $221,000 | $44,000 | $105,000 | $81,000 | $137,000 |
| Application Approved But Not Accepted | 1 | $60,000 | $60,000 | $60,000 | $42,000 | $42,000 |
| Loan Purchased By The Institution | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 5 | $77,000 | $15,000 | $45,000 | $35,000 | $70,000 |
| Collateral | 2 | $144,000 | $72,000 | $105,000 | $102,000 | $162,000 |
| Employment History | 1 | $3,000 | $3,000 | $3,000 | $19,000 | $19,000 |
| Other | 1 | $73,000 | $73,000 | $73,000 | $36,000 | $36,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $49,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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