Harper County, OK Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 33 mortgage applications in Harper County, OK totaling $4.6 million, down 11% from 2024. The average application was for $139,000, and applicants reported an average income of $88,000. 33% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 4 applications, followed by Guild Mortgage Company 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 | 33 |
| Total Mortgage Loan Application Amount | $4,605,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $209,000 |
| 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 |
* | $ n/a | 4 | $ 510,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 535,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ n/a | 2 | $ 490,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 380,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 155,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 365,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ n/a | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 35,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 1 | $ 145,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 165,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 245,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 1 | $ 125,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 85,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 5,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Harper 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 Harper County, OK in 2025
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 | $4,115,000 | $164,000 | $365,000 | $92,000 | $209,000 |
| Cash-out Refinancing | 2 | $180,000 | $90,000 | $145,000 | $81,000 | $129,000 |
| Home Improvement | 2 | $60,000 | $30,000 | $55,000 | $94,000 | $177,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $65,000 | $100,000 |
| Refinancing | 2 | $170,000 | $85,000 | $95,000 | $69,000 | $139,000 |
| 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 | $3,600,000 | $138,000 | $365,000 | $89,000 | $209,000 |
| Not applicable | 3 | $515,000 | $171,000 | $245,000 | $47,000 | $47,000 |
| Not Provided | 2 | $310,000 | $155,000 | $165,000 | $87,000 | $129,000 |
| Hispanic | 2 | $180,000 | $90,000 | $145,000 | $97,000 | $99,000 |
| 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) | 18 | $2,400,000 | $133,000 | $355,000 | $103,000 | $209,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,705,000 | $155,000 | $365,000 | $79,000 | $199,000 |
| VA-guaranteed (Veterans Administration) | 3 | $405,000 | $135,000 | $155,000 | $48,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $32,000 | $32,000 |
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 | 11 | $1,645,000 | $149,000 | $355,000 | $101,000 | $209,000 |
| Application Denied By Financial Institution | 10 | $1,160,000 | $116,000 | $205,000 | $71,000 | $144,000 |
| Application Withdrawn By Applicant | 5 | $745,000 | $149,000 | $245,000 | $69,000 | $122,000 |
| Loan Purchased By The Institution | 4 | $600,000 | $150,000 | $245,000 | $61,000 | $76,000 |
| Application Approved But Not Accepted | 2 | $420,000 | $210,000 | $365,000 | $188,000 | $199,000 |
| Preapproval Approved but not Accepted | 1 | $35,000 | $35,000 | $35,000 | $39,000 | $39,000 |
| Preapproval Denied by Financial Institution | 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 | 22 | $3,420,000 | $155,000 | $365,000 | $96,000 | $209,000 |
| Collateral | 3 | $125,000 | $41,000 | $55,000 | $53,000 | $96,000 |
| Debt-To-Income Ratio | 3 | $275,000 | $91,000 | $165,000 | $59,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $390,000 | $195,000 | $205,000 | $121,000 | $130,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $11,000 | $11,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $144,000 | $144,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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