Harper County, OK Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 67 mortgage applications in Harper County, OK totaling $5.2 million, up 6% from 2012. The average application was for $77,000, and applicants reported an average income of $59,000. 46% of applications resulted in an originated loan and 21% were denied. The most active lender was First American Bank, with 10 applications, followed by Midfirst Bank and Bank7.
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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 | 67 |
| Total Mortgage Loan Application Amount | $5,222,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $262,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $390,000 |
| 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 |
* | $ 330,160,000 | 10 | $ 430,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 9 | $ 560,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 280,935,000 | 6 | $ 251,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 510,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 5 | $ 519,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 494,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 5 | $ 308,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 4 | $ 492,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 411,593,000 | 4 | $ 333,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 2 | $ 159,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 2 | $ 261,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 2 | $ 292,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ 533,314,000 | 1 | $ 69,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 92,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 145,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 1 | $ 38,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 118,000 |
The tables below break down 2013 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 2013
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 | 36 | $3,028,000 | $84,000 | $171,000 | $57,000 | $132,000 |
| Refinancing | 22 | $1,835,000 | $83,000 | $262,000 | $71,000 | $390,000 |
| Home Improvement | 9 | $359,000 | $39,000 | $156,000 | $39,000 | $78,000 |
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 | $3,347,000 | $83,000 | $262,000 | $75,000 | $390,000 |
| Not applicable | 11 | $1,149,000 | $104,000 | $262,000 | $0 | $0 |
| Hispanic | 9 | $241,000 | $26,000 | $51,000 | $62,000 | $97,000 |
| Not Provided | 7 | $485,000 | $69,000 | $145,000 | $59,000 | $109,000 |
| 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 | $4,166,000 | $74,000 | $262,000 | $63,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 8 | $851,000 | $106,000 | $146,000 | $49,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $133,000 | $66,000 | $90,000 | $27,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 1 | $72,000 | $72,000 | $72,000 | $0 | $0 |
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 | 31 | $2,365,000 | $76,000 | $262,000 | $76,000 | $390,000 |
| Application Denied By Financial Institution | 14 | $852,000 | $60,000 | $146,000 | $61,000 | $109,000 |
| Loan Purchased By The Institution | 13 | $1,323,000 | $101,000 | $262,000 | $9,000 | $70,000 |
| Application Withdrawn By Applicant | 6 | $340,000 | $56,000 | $121,000 | $60,000 | $97,000 |
| Application Approved But Not Accepted | 2 | $250,000 | $125,000 | $141,000 | $81,000 | $96,000 |
| File Closed For Incompleteness | 1 | $92,000 | $92,000 | $92,000 | $112,000 | $112,000 |
| 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 | 3 | $118,000 | $39,000 | $89,000 | $66,000 | $70,000 |
| Debt-To-Income Ratio | 2 | $30,000 | $15,000 | $27,000 | $49,000 | $78,000 |
| Collateral | 1 | $50,000 | $50,000 | $50,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 1 | $146,000 | $146,000 | $146,000 | $77,000 | $77,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $65,000 | $65,000 |
| 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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