Harper County, OK Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 53 mortgage applications in Harper County, OK totaling $3.4 million, up 4% from 2010. The average application was for $64,000, and applicants reported an average income of $46,000. 47% of applications resulted in an originated loan and 32% were denied. The most active lender was Midfirst Bank, with 9 applications, followed by First American Bank 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 | 53 |
| Total Mortgage Loan Application Amount | $3,428,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $241,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $117,000 |
| 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 |
* | $ 10,788,420,000 | 9 | $ 310,000 |
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 300,738,000 | 9 | $ 532,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 6 | $ 492,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 271,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 243,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 90,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 24,055,290,000 | 2 | $ 394,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 2 | $ 60,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 337,679,000 | 2 | $ 81,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 139,295,000 | 2 | $ 51,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 2 | $ 48,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 76,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 92,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 77,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 119,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Mortgages Unlimited, Inc 303 N KANSAS AVE, STE 106 LIBERAL, KS 67901 |
* | $ 10,000,000 | 1 | $ 38,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 1 | $ 94,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 241,000 |
The tables below break down 2011 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 2011
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 | 34 | $2,252,000 | $66,000 | $240,000 | $45,000 | $117,000 |
| Refinancing | 14 | $1,032,000 | $73,000 | $241,000 | $49,000 | $115,000 |
| Home Improvement | 5 | $144,000 | $28,000 | $83,000 | $46,000 | $101,000 |
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 | 36 | $2,435,000 | $67,000 | $240,000 | $48,000 | $117,000 |
| Hispanic | 7 | $297,000 | $42,000 | $77,000 | $37,000 | $70,000 |
| Not Provided | 5 | $254,000 | $50,000 | $78,000 | $54,000 | $98,000 |
| American Indian or Alaskan Native | 3 | $176,000 | $58,000 | $86,000 | $28,000 | $32,000 |
| Not applicable | 2 | $266,000 | $133,000 | $241,000 | $57,000 | $115,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 31 | $1,755,000 | $56,000 | $240,000 | $47,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,222,000 | $81,000 | $241,000 | $46,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $175,000 | $43,000 | $47,000 | $37,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 3 | $276,000 | $92,000 | $92,000 | $49,000 | $86,000 |
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 | 25 | $1,618,000 | $64,000 | $154,000 | $46,000 | $117,000 |
| Application Denied By Financial Institution | 17 | $907,000 | $53,000 | $240,000 | $46,000 | $96,000 |
| Loan Purchased By The Institution | 6 | $606,000 | $101,000 | $241,000 | $48,000 | $115,000 |
| Application Withdrawn By Applicant | 2 | $138,000 | $69,000 | $112,000 | $34,000 | $50,000 |
| Application Approved But Not Accepted | 2 | $90,000 | $45,000 | $46,000 | $55,000 | $76,000 |
| File Closed For Incompleteness | 1 | $69,000 | $69,000 | $69,000 | $48,000 | $48,000 |
| 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 | $442,000 | $63,000 | $240,000 | $56,000 | $96,000 |
| Credit Application Incomplete | 3 | $98,000 | $32,000 | $47,000 | $30,000 | $36,000 |
| Debt-To-Income Ratio | 2 | $128,000 | $64,000 | $83,000 | $37,000 | $39,000 |
| Employment History | 2 | $62,000 | $31,000 | $38,000 | $25,000 | $25,000 |
| Collateral | 1 | $44,000 | $44,000 | $44,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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