Harmon County, OK Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 26 mortgage applications in Harmon County, OK totaling $2.7 million, up 18% from 2023. The average application was for $104,000, and applicants reported an average income of $98,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Cattlemens Bank, with 5 applications, followed by Countryplace Mortgage, Ltd. and Great Plains National Bank.
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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 | 26 |
| Total Mortgage Loan Application Amount | $2,710,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $504,000 |
| 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 |
* | $ n/a | 5 | $ 195,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 340,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ n/a | 2 | $ 320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 115,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 135,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 135,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 65,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 1 | $ 65,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 415,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2024 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 2024
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 | 16 | $2,040,000 | $127,000 | $415,000 | $116,000 | $504,000 |
| Refinancing | 7 | $535,000 | $76,000 | $285,000 | $62,000 | $150,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $45,000 | $45,000 |
| Cash-out Refinancing | 1 | $65,000 | $65,000 | $65,000 | $104,000 | $104,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $106,000 | $106,000 |
| 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 | 16 | $2,010,000 | $125,000 | $415,000 | $113,000 | $504,000 |
| Hispanic | 5 | $235,000 | $47,000 | $135,000 | $52,000 | $106,000 |
| Not Provided | 3 | $265,000 | $88,000 | $165,000 | $76,000 | $104,000 |
| Not applicable | 2 | $200,000 | $100,000 | $135,000 | $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 |
| Black or African American | 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) | 20 | $1,790,000 | $89,000 | $285,000 | $105,000 | $504,000 |
| FHA-insured (Federal Housing Administration) | 2 | $270,000 | $135,000 | $135,000 | $56,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $130,000 | $65,000 | $65,000 | $54,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 2 | $520,000 | $260,000 | $415,000 | $68,000 | $101,000 |
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 | 14 | $1,720,000 | $122,000 | $415,000 | $98,000 | $202,000 |
| Application Withdrawn By Applicant | 6 | $640,000 | $106,000 | $205,000 | $128,000 | $504,000 |
| Application Denied By Financial Institution | 4 | $150,000 | $37,000 | $55,000 | $35,000 | $45,000 |
| Loan Purchased By The Institution | 2 | $200,000 | $100,000 | $135,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 18 | $2,390,000 | $132,000 | $415,000 | $114,000 | $504,000 |
| Debt-To-Income Ratio | 6 | $230,000 | $38,000 | $105,000 | $70,000 | $151,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $45,000 | $45,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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