Harmon County, OK Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 53 mortgage applications in Harmon County, OK totaling $6.2 million, up 36% from 2020. The average application was for $116,000, and applicants reported an average income of $88,000. 32% of applications resulted in an originated loan and 26% were denied. The most active lender was Great Plains National Bank, with 9 applications, followed by Discover Bank and Interlinc Mortgage Services, 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 | 53 |
| Total Mortgage Loan Application Amount | $6,195,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $425,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 814,382,000 | 9 | $ 415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 4 | $ 190,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 3 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 690,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 150,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 2 | $ 250,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 3,461,210,000 | 1 | $ 205,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 305,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 135,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 55,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 95,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Red River Federal Credit Union 2721 N MAIN STREET ALTUS, OK 73521 |
* | $ 88,573,000 | 1 | $ 85,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 155,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 245,000 |
The tables below break down 2021 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 2021
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 | 25 | $2,205,000 | $88,000 | $165,000 | $46,000 | $78,000 |
| Refinancing | 12 | $2,340,000 | $195,000 | $355,000 | $179,000 | $425,000 |
| Cash-out Refinancing | 10 | $1,290,000 | $129,000 | $245,000 | $77,000 | $134,000 |
| Home Improvement | 4 | $240,000 | $60,000 | $155,000 | $104,000 | $200,000 |
| Other Purpose | 2 | $120,000 | $60,000 | $85,000 | $100,000 | $173,000 |
| 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 | 26 | $2,960,000 | $113,000 | $355,000 | $85,000 | $425,000 |
| Not Provided | 11 | $1,795,000 | $163,000 | $355,000 | $153,000 | $282,000 |
| Hispanic | 10 | $860,000 | $86,000 | $145,000 | $37,000 | $60,000 |
| Not applicable | 5 | $535,000 | $107,000 | $205,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $18,000 | $18,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 31 | $3,805,000 | $122,000 | $355,000 | $99,000 | $282,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,845,000 | $97,000 | $155,000 | $50,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 2 | $470,000 | $235,000 | $305,000 | $425,000 | $425,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $55,000 | $55,000 |
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 | 17 | $1,755,000 | $103,000 | $345,000 | $100,000 | $425,000 |
| Application Denied By Financial Institution | 14 | $1,380,000 | $98,000 | $345,000 | $74,000 | $271,000 |
| Application Withdrawn By Applicant | 9 | $1,425,000 | $158,000 | $355,000 | $71,000 | $250,000 |
| File Closed For Incompleteness | 5 | $535,000 | $107,000 | $155,000 | $96,000 | $173,000 |
| Loan Purchased By The Institution | 5 | $535,000 | $107,000 | $205,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 2 | $210,000 | $105,000 | $125,000 | $48,000 | $53,000 |
| Application Approved But Not Accepted | 1 | $355,000 | $355,000 | $355,000 | $244,000 | $244,000 |
| 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 | 39 | $4,815,000 | $123,000 | $355,000 | $94,000 | $425,000 |
| Debt-To-Income Ratio | 6 | $610,000 | $101,000 | $245,000 | $36,000 | $92,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $115,000 | $74,000 | $112,000 |
| Credit History | 2 | $50,000 | $25,000 | $35,000 | $113,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $150,000 | $75,000 | $85,000 | $57,000 | $78,000 |
| Other | 1 | $345,000 | $345,000 | $345,000 | $271,000 | $271,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $25,000 | $25,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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