Harper County, OK Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 51 mortgage applications in Harper County, OK totaling $3.7 million, down 31% from 2009. The average application was for $72,000, and applicants reported an average income of $62,000. 55% of applications resulted in an originated loan and 25% were denied. The most active lender was Midfirst Bank, with 10 applications, followed by US Bank, N.A. and First American 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 | 51 |
| Total Mortgage Loan Application Amount | $3,716,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $242,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $156,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 10 | $ 528,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 7 | $ 484,000 |
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 294,681,000 | 5 | $ 169,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 265,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 314,901,000 | 3 | $ 150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 3 | $ 202,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 2 | $ 111,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 511,895,000 | 2 | $ 300,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 144,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 128,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,430,404,000 | 2 | $ 272,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 44,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 1 | $ 58,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 230,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 72,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 77,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 230,000 |
| Bank of Kansas City P.O. BOX 2300 TULSA, OK 74192 |
* | $ 140,357,000 | 1 | $ 116,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 45,000 |
The tables below break down 2010 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 2010
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 | 23 | $1,735,000 | $75,000 | $230,000 | $65,000 | $133,000 |
| Home Purchase | 22 | $1,625,000 | $73,000 | $242,000 | $53,000 | $138,000 |
| Home Improvement | 6 | $356,000 | $59,000 | $83,000 | $89,000 | $156,000 |
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 | 40 | $3,017,000 | $75,000 | $242,000 | $66,000 | $156,000 |
| Not Provided | 10 | $692,000 | $69,000 | $130,000 | $51,000 | $88,000 |
| Hispanic | 1 | $7,000 | $7,000 | $7,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 33 | $2,060,000 | $62,000 | $242,000 | $61,000 | $156,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,115,000 | $92,000 | $230,000 | $62,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 4 | $411,000 | $102,000 | $130,000 | $84,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $130,000 | $65,000 | $85,000 | $34,000 | $39,000 |
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 | 28 | $2,118,000 | $75,000 | $242,000 | $59,000 | $138,000 |
| Application Denied By Financial Institution | 13 | $808,000 | $62,000 | $130,000 | $64,000 | $156,000 |
| Application Withdrawn By Applicant | 4 | $233,000 | $58,000 | $75,000 | $55,000 | $88,000 |
| Loan Purchased By The Institution | 4 | $429,000 | $107,000 | $230,000 | $96,000 | $133,000 |
| Application Approved But Not Accepted | 2 | $128,000 | $64,000 | $78,000 | $40,000 | $48,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5 | $162,000 | $32,000 | $72,000 | $47,000 | $89,000 |
| Collateral | 3 | $216,000 | $72,000 | $91,000 | $58,000 | $71,000 |
| Credit Application Incomplete | 1 | $83,000 | $83,000 | $83,000 | $156,000 | $156,000 |
| Debt-To-Income Ratio | 1 | $130,000 | $130,000 | $130,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $42,000 | $42,000 | $42,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 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 |
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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