Harmon County, OK Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 63 mortgage applications in Harmon County, OK totaling $6.4 million, up 24% from 2014. The average application was for $101,000, and applicants reported an average income of $49,000. 70% of applications resulted in an originated loan and 16% were denied. The most active lender was Cattlemens Bank, with 30 applications, followed by Great Plains National Bank and Suntrust 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 | 63 |
| Total Mortgage Loan Application Amount | $6,363,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $1,722,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $144,000 |
| 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 |
* | $ 163,687,000 | 30 | $ 4,088,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 4 | $ 131,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 3 | $ 71,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 468,741,000 | 3 | $ 125,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 216,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 229,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 198,000 |
| Red River Federal Credit Union 2721 N MAIN STREET ALTUS, OK 73521 |
* | $ 78,578,000 | 2 | $ 51,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 82,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 87,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Washita Mortgage, Inc. 1924 S 4TH ST CHICKASHA, OK 73018 |
* | $ 204,581,000 | 1 | $ 111,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 117,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 108,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 86,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 108,000 |
The tables below break down 2015 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 2015
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 | 28 | $5,180,000 | $185,000 | $1,722,000 | $50,000 | $137,000 |
| Home Purchase | 21 | $885,000 | $42,000 | $176,000 | $48,000 | $144,000 |
| Home Improvement | 14 | $298,000 | $21,000 | $57,000 | $50,000 | $142,000 |
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 | 42 | $3,775,000 | $89,000 | $1,180,000 | $59,000 | $144,000 |
| Hispanic | 10 | $315,000 | $31,000 | $82,000 | $48,000 | $91,000 |
| Black or African American | 6 | $137,000 | $22,000 | $57,000 | $27,000 | $40,000 |
| Not applicable | 5 | $2,136,000 | $427,000 | $1,722,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 52 | $4,968,000 | $95,000 | $1,722,000 | $52,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 5 | $346,000 | $69,000 | $123,000 | $43,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 5 | $549,000 | $109,000 | $117,000 | $32,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $500,000 | $500,000 | $500,000 | $39,000 | $39,000 |
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 | 44 | $5,145,000 | $116,000 | $1,722,000 | $52,000 | $137,000 |
| Application Denied By Financial Institution | 10 | $304,000 | $30,000 | $82,000 | $54,000 | $142,000 |
| Loan Purchased By The Institution | 5 | $590,000 | $118,000 | $176,000 | $28,000 | $144,000 |
| Application Withdrawn By Applicant | 3 | $244,000 | $81,000 | $123,000 | $35,000 | $44,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $55,000 | $55,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4 | $76,000 | $19,000 | $40,000 | $73,000 | $142,000 |
| Debt-To-Income Ratio | 2 | $78,000 | $39,000 | $53,000 | $59,000 | $70,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $32,000 | $32,000 |
| Collateral | 1 | $41,000 | $41,000 | $41,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 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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