Harper County, OK Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 74 mortgage applications in Harper County, OK totaling $5.3 million, down 6% from 2008. The average application was for $71,000, and applicants reported an average income of $49,000. 35% of applications resulted in an originated loan and 27% were denied. The most active lender was First American Bank, with 10 applications, followed by US Bank, N.A. and Wells Fargo Bank, NA.
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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 | 74 |
| Total Mortgage Loan Application Amount | $5,276,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $238,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $124,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 289,265,000 | 10 | $ 388,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 575,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 7 | $ 552,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 7 | $ 298,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 264,025,000 | 6 | $ 340,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 371,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 4 | $ 293,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,610,571,000 | 3 | $ 496,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 106,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 107,630,000 | 2 | $ 158,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 159,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 123,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 113,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 60,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 62,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 488,155,000 | 1 | $ 198,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 529,549,000 | 1 | $ 20,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 93,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 1 | $ 146,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 64,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 12,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 513,905,000 | 1 | $ 45,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 315,472,000 | 1 | $ 238,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 63,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 90,000 |
The tables below break down 2009 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 2009
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 | 43 | $3,049,000 | $70,000 | $236,000 | $52,000 | $124,000 |
| Home Purchase | 26 | $2,031,000 | $78,000 | $238,000 | $43,000 | $111,000 |
| Home Improvement | 5 | $196,000 | $39,000 | $75,000 | $60,000 | $100,000 |
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 | 52 | $3,668,000 | $70,000 | $238,000 | $52,000 | $124,000 |
| Not Provided | 10 | $765,000 | $76,000 | $236,000 | $54,000 | $111,000 |
| Not applicable | 6 | $379,000 | $63,000 | $93,000 | $27,000 | $84,000 |
| Hispanic | 6 | $464,000 | $77,000 | $157,000 | $40,000 | $59,000 |
| 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) | 56 | $3,430,000 | $61,000 | $180,000 | $50,000 | $114,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,531,000 | $109,000 | $238,000 | $47,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $169,000 | $56,000 | $57,000 | $31,000 | $41,000 |
| VA-guaranteed (Veterans Administration) | 1 | $146,000 | $146,000 | $146,000 | $124,000 | $124,000 |
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 | 26 | $1,532,000 | $58,000 | $180,000 | $47,000 | $114,000 |
| Application Denied By Financial Institution | 20 | $1,378,000 | $68,000 | $238,000 | $49,000 | $114,000 |
| Application Withdrawn By Applicant | 12 | $1,002,000 | $83,000 | $236,000 | $57,000 | $124,000 |
| Loan Purchased By The Institution | 10 | $832,000 | $83,000 | $198,000 | $43,000 | $84,000 |
| File Closed For Incompleteness | 4 | $312,000 | $78,000 | $118,000 | $56,000 | $91,000 |
| Application Approved But Not Accepted | 2 | $220,000 | $110,000 | $133,000 | $63,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $313,000 | $44,000 | $88,000 | $41,000 | $111,000 |
| Debt-To-Income Ratio | 3 | $186,000 | $62,000 | $77,000 | $34,000 | $52,000 |
| Collateral | 2 | $149,000 | $74,000 | $90,000 | $67,000 | $98,000 |
| Credit Application Incomplete | 1 | $20,000 | $20,000 | $20,000 | $59,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $157,000 | $157,000 | $157,000 | $43,000 | $43,000 |
| Other | 1 | $238,000 | $238,000 | $238,000 | $92,000 | $92,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $114,000 | $114,000 |
| 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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