Harmon County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 60 mortgage applications in Harmon County, OK totaling $3.4 million, up 3% from 2017. The average application was for $56,000, and applicants reported an average income of $46,000. 53% of applications resulted in an originated loan and 27% were denied. The most active lender was Cattlemens Bank, with 21 applications, followed by Great Plains National Bank and Red River Federal Credit Union.
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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 | 60 |
| Total Mortgage Loan Application Amount | $3,400,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $127,000 |
| 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 |
* | $ 233,904,000 | 21 | $ 395,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 629,025,000 | 6 | $ 500,000 |
| Red River Federal Credit Union 2721 N MAIN STREET ALTUS, OK 73521 |
* | $ 80,681,000 | 4 | $ 200,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 90,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 460,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 50,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 1 | $ 25,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 85,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,236,903,000 | 1 | $ 25,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 185,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 95,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ 410,319,000 | 1 | $ 75,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 215,000 |
| First National Bank and Trust Company 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ 225,245,000 | 1 | $ 45,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 45,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 25,000 |
The tables below break down 2018 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 2018
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 | 23 | $1,195,000 | $51,000 | $105,000 | $50,000 | $127,000 |
| Cash-out Refinancing | 12 | $1,370,000 | $114,000 | $355,000 | $43,000 | $98,000 |
| Home Improvement | 8 | $130,000 | $16,000 | $35,000 | $34,000 | $69,000 |
| Refinancing | 8 | $430,000 | $53,000 | $215,000 | $59,000 | $99,000 |
| Other Purpose | 6 | $170,000 | $28,000 | $55,000 | $38,000 | $80,000 |
| Not Applicable | 3 | $105,000 | $35,000 | $65,000 | $0 | $0 |
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 | 29 | $1,635,000 | $56,000 | $325,000 | $53,000 | $127,000 |
| Black or African American | 11 | $635,000 | $57,000 | $185,000 | $46,000 | $99,000 |
| Hispanic | 9 | $155,000 | $17,000 | $55,000 | $29,000 | $66,000 |
| Not Provided | 7 | $755,000 | $107,000 | $355,000 | $44,000 | $105,000 |
| Not applicable | 4 | $220,000 | $55,000 | $85,000 | $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) | 43 | $2,095,000 | $48,000 | $355,000 | $44,000 | $127,000 |
| FHA-insured (Federal Housing Administration) | 9 | $715,000 | $79,000 | $185,000 | $50,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $290,000 | $72,000 | $85,000 | $65,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 4 | $300,000 | $75,000 | $105,000 | $55,000 | $71,000 |
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 | 32 | $1,490,000 | $46,000 | $325,000 | $48,000 | $105,000 |
| Application Denied By Financial Institution | 16 | $790,000 | $49,000 | $185,000 | $38,000 | $80,000 |
| Application Withdrawn By Applicant | 6 | $720,000 | $120,000 | $355,000 | $68,000 | $127,000 |
| Loan Purchased By The Institution | 4 | $270,000 | $67,000 | $85,000 | $77,000 | $77,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $41,000 | $41,000 |
| Application Approved But Not Accepted | 1 | $25,000 | $25,000 | $25,000 | $37,000 | $37,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 28 | $2,250,000 | $80,000 | $355,000 | $56,000 | $127,000 |
| Debt-To-Income Ratio | 23 | $525,000 | $22,000 | $75,000 | $38,000 | $99,000 |
| Credit History | 4 | $410,000 | $102,000 | $185,000 | $55,000 | $71,000 |
| Other | 3 | $85,000 | $28,000 | $35,000 | $21,000 | $27,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $54,000 | $54,000 |
| Unverifiable Information | 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 |
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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