Harmon County, OK Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 58 mortgage applications in Harmon County, OK totaling $4.7 million, up 12% from 2016. The average application was for $81,000, and applicants reported an average income of $69,000. 64% of applications resulted in an originated loan and 22% were denied. The most active lender was Cattlemens Bank, with 28 applications, followed by Great Plains National Bank and American Southwest Mortgage Funding Corp.
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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 | 58 |
| Total Mortgage Loan Application Amount | $4,719,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $420,000 |
| 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 |
* | $ 212,604,000 | 28 | $ 2,202,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 550,032,000 | 4 | $ 122,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 3 | $ 267,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 25,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 145,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,005,733,000 | 1 | $ 64,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 166,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 160,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 14,723,604,000 | 1 | $ 72,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ 387,988,000 | 1 | $ 200,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 493,352,000 | 1 | $ 92,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 51,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 409,577,000 | 1 | $ 160,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 1 | $ 81,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 43,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 419,146,000 | 1 | $ 166,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 36,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 832,884,000 | 1 | $ 94,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 51,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 170,000 |
The tables below break down 2017 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 2017
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 | 27 | $2,007,000 | $74,000 | $424,000 | $70,000 | $177,000 |
| Refinancing | 24 | $2,469,000 | $102,000 | $855,000 | $75,000 | $420,000 |
| Home Improvement | 7 | $243,000 | $34,000 | $94,000 | $45,000 | $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 | 35 | $3,455,000 | $98,000 | $855,000 | $80,000 | $420,000 |
| Hispanic | 8 | $196,000 | $24,000 | $55,000 | $61,000 | $107,000 |
| Not Provided | 5 | $446,000 | $89,000 | $169,000 | $77,000 | $150,000 |
| Black or African American | 4 | $185,000 | $46,000 | $142,000 | $28,000 | $52,000 |
| Not applicable | 4 | $397,000 | $99,000 | $166,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $40,000 | $20,000 | $25,000 | $102,000 | $102,000 |
| 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) | 39 | $2,802,000 | $71,000 | $855,000 | $78,000 | $420,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,245,000 | $124,000 | $170,000 | $56,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $339,000 | $67,000 | $115,000 | $44,000 | $73,000 |
| FHA-insured (Federal Housing Administration) | 4 | $333,000 | $83,000 | $142,000 | $44,000 | $54,000 |
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 | 37 | $3,085,000 | $83,000 | $855,000 | $76,000 | $420,000 |
| Application Denied By Financial Institution | 13 | $744,000 | $57,000 | $169,000 | $54,000 | $120,000 |
| Application Withdrawn By Applicant | 3 | $249,000 | $83,000 | $170,000 | $70,000 | $77,000 |
| Loan Purchased By The Institution | 3 | $377,000 | $125,000 | $166,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $264,000 | $132,000 | $200,000 | $133,000 | $201,000 |
| File Closed For Incompleteness | 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 | 3 | $31,000 | $10,000 | $15,000 | $30,000 | $65,000 |
| Debt-To-Income Ratio | 2 | $33,000 | $16,000 | $17,000 | $38,000 | $51,000 |
| Credit Application Incomplete | 2 | $243,000 | $121,000 | $169,000 | $81,000 | $109,000 |
| Collateral | 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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