Harmon County, OK Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 52 mortgage applications in Harmon County, OK totaling $5.7 million, down 17% from 2015. The average application was for $109,000, and applicants reported an average income of $70,000. 69% of applications resulted in an originated loan and 19% were denied. The most active lender was Cattlemens Bank, with 27 applications, followed by Great Plains National Bank and loanDepot.com LLC.
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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 | 52 |
| Total Mortgage Loan Application Amount | $5,719,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $918,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $435,000 |
| 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 |
* | $ 187,177,000 | 27 | $ 3,048,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 554,698,000 | 4 | $ 496,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 70,000 |
| Red River Federal Credit Union 2721 N MAIN STREET ALTUS, OK 73521 |
* | $ 76,676,000 | 2 | $ 80,000 |
| Nbc Oklahoma 13401 N PENN OKC, OK 73120 |
* | $ 576,625,000 | 1 | $ 663,000 |
| First Bank P. O. BOX 250 LOCUST GROVE, OK 74532 |
* | $ 77,971,000 | 1 | $ 42,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 46,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 89,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 1 | $ 260,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 86,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 484,477,000 | 1 | $ 90,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ 336,426,000 | 1 | $ 82,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 52,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 112,000 |
The tables below break down 2016 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 2016
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 | 24 | $1,129,000 | $47,000 | $112,000 | $58,000 | $198,000 |
| Refinancing | 23 | $4,484,000 | $194,000 | $918,000 | $90,000 | $435,000 |
| Home Improvement | 5 | $106,000 | $21,000 | $41,000 | $42,000 | $76,000 |
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 | 41 | $5,100,000 | $124,000 | $918,000 | $79,000 | $435,000 |
| Hispanic | 6 | $207,000 | $34,000 | $90,000 | $31,000 | $39,000 |
| Not Provided | 4 | $300,000 | $75,000 | $109,000 | $40,000 | $67,000 |
| Not applicable | 1 | $112,000 | $112,000 | $112,000 | $91,000 | $91,000 |
| Native Hawaiin 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) | 40 | $3,254,000 | $81,000 | $663,000 | $72,000 | $435,000 |
| FHA-insured (Federal Housing Administration) | 7 | $441,000 | $63,000 | $109,000 | $43,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $2,024,000 | $404,000 | $918,000 | $95,000 | $237,000 |
| 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 | 36 | $4,641,000 | $128,000 | $918,000 | $77,000 | $435,000 |
| Application Denied By Financial Institution | 10 | $450,000 | $45,000 | $90,000 | $49,000 | $198,000 |
| Loan Purchased By The Institution | 3 | $418,000 | $139,000 | $260,000 | $65,000 | $91,000 |
| Application Withdrawn By Applicant | 1 | $52,000 | $52,000 | $52,000 | $60,000 | $60,000 |
| File Closed For Incompleteness | 1 | $76,000 | $76,000 | $76,000 | $98,000 | $98,000 |
| Application Approved But Not Accepted | 1 | $82,000 | $82,000 | $82,000 | $67,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $89,000 | $29,000 | $49,000 | $38,000 | $66,000 |
| Debt-To-Income Ratio | 3 | $150,000 | $50,000 | $89,000 | $26,000 | $30,000 |
| Unverifiable Information | 2 | $141,000 | $70,000 | $90,000 | $39,000 | $47,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
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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