Harmon County, OK Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 22 mortgage applications in Harmon County, OK totaling $1.9 million, down 58% from 2021. The average application was for $85,000, and applicants reported an average income of $51,000. 36% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 4 applications, followed by Caliber Home Loans, Inc. and Tinker 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 | 22 |
| Total Mortgage Loan Application Amount | $1,890,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $175,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $97,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 500,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 170,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 5,916,950,000 | 2 | $ 260,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 2 | $ 160,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 639,930,000 | 2 | $ 200,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 85,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 75,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 242,040,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 45,000 |
The tables below break down 2022 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 2022
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 | 15 | $1,435,000 | $95,000 | $175,000 | $55,000 | $97,000 |
| Cash-out Refinancing | 4 | $240,000 | $60,000 | $75,000 | $37,000 | $66,000 |
| Refinancing | 2 | $170,000 | $85,000 | $115,000 | $53,000 | $86,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $595,000 | $85,000 | $145,000 | $52,000 | $97,000 |
| Hispanic | 5 | $475,000 | $95,000 | $135,000 | $58,000 | $84,000 |
| Not Provided | 4 | $270,000 | $67,000 | $85,000 | $35,000 | $42,000 |
| Black or African American | 4 | $390,000 | $97,000 | $175,000 | $57,000 | $67,000 |
| Not applicable | 2 | $160,000 | $80,000 | $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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 10 | $750,000 | $75,000 | $85,000 | $44,000 | $66,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8 | $760,000 | $95,000 | $145,000 | $59,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 3 | $305,000 | $101,000 | $175,000 | $52,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $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 | 8 | $770,000 | $96,000 | $175,000 | $46,000 | $97,000 |
| Application Denied By Financial Institution | 8 | $550,000 | $68,000 | $85,000 | $42,000 | $57,000 |
| Application Withdrawn By Applicant | 2 | $250,000 | $125,000 | $135,000 | $85,000 | $86,000 |
| Loan Purchased By The Institution | 2 | $160,000 | $80,000 | $85,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $66,000 | $66,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $65,000 | $65,000 |
| 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 | 14 | $1,340,000 | $95,000 | $175,000 | $56,000 | $97,000 |
| Debt-To-Income Ratio | 3 | $255,000 | $85,000 | $85,000 | $47,000 | $57,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $42,000 | $42,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $54,000 | $54,000 |
| Unverifiable Information | 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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