Harmon County, OK Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 44 mortgage applications in Harmon County, OK totaling $3.2 million, down 27% from 2018. The average application was for $72,000, and applicants reported an average income of $55,000. 64% of applications resulted in an originated loan and 25% were denied. The most active lender was Cattlemens Bank, with 19 applications, followed by Great Plains National Bank and Barrington Bank & Trust Company, N.A..
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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 | 44 |
| Total Mortgage Loan Application Amount | $3,180,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $163,000 |
| 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 |
* | $ 246,240,000 | 19 | $ 395,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 769,862,000 | 5 | $ 195,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 240,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 670,000 |
| Red River Federal Credit Union 2721 N MAIN STREET ALTUS, OK 73521 |
* | $ 84,969,000 | 2 | $ 50,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 260,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 1 | $ 115,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 85,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 1 | $ 95,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 95,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 55,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 3,561,569,000 | 1 | $ 35,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2019 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 2019
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 | 18 | $1,470,000 | $81,000 | $345,000 | $49,000 | $99,000 |
| Home Purchase | 16 | $1,190,000 | $74,000 | $175,000 | $63,000 | $163,000 |
| Cash-out Refinancing | 4 | $330,000 | $82,000 | $135,000 | $54,000 | $72,000 |
| Home Improvement | 4 | $130,000 | $32,000 | $45,000 | $58,000 | $100,000 |
| Other Purpose | 2 | $60,000 | $30,000 | $55,000 | $46,000 | $52,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 24 | $1,690,000 | $70,000 | $345,000 | $59,000 | $163,000 |
| Not Provided | 8 | $860,000 | $107,000 | $135,000 | $41,000 | $83,000 |
| Hispanic | 8 | $160,000 | $20,000 | $35,000 | $58,000 | $94,000 |
| Not applicable | 2 | $410,000 | $205,000 | $325,000 | $83,000 | $83,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $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) | 35 | $2,265,000 | $64,000 | $345,000 | $57,000 | $163,000 |
| FHA-insured (Federal Housing Administration) | 5 | $445,000 | $89,000 | $105,000 | $64,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $230,000 | $115,000 | $115,000 | $20,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 2 | $240,000 | $120,000 | $125,000 | $45,000 | $45,000 |
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 | 28 | $1,590,000 | $56,000 | $345,000 | $59,000 | $163,000 |
| Application Denied By Financial Institution | 11 | $975,000 | $88,000 | $345,000 | $43,000 | $98,000 |
| Application Withdrawn By Applicant | 2 | $190,000 | $95,000 | $95,000 | $45,000 | $57,000 |
| Loan Purchased By The Institution | 2 | $410,000 | $205,000 | $325,000 | $83,000 | $83,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $94,000 | $94,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 23 | $1,085,000 | $47,000 | $345,000 | $52,000 | $122,000 |
| Not applicable | 15 | $1,735,000 | $115,000 | $345,000 | $68,000 | $163,000 |
| Other | 2 | $50,000 | $25,000 | $25,000 | $66,000 | $66,000 |
| Employment History | 2 | $230,000 | $115,000 | $115,000 | $20,000 | $40,000 |
| Credit History | 2 | $80,000 | $40,000 | $55,000 | $41,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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