Harper County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 56 mortgage applications in Harper County, OK totaling $5.6 million, down 8% from 2017. The average application was for $99,000, and applicants reported an average income of $66,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Oklahoma's Credit Union, with 6 applications, followed by Midfirst Bank and Guild Mortgage Company.
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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 | 56 |
| Total Mortgage Loan Application Amount | $5,560,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $388,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 506,990,000 | 6 | $ 230,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 5 | $ 365,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 560,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 629,025,000 | 4 | $ 520,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 595,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 2 | $ 150,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 150,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 140,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 440,521,000 | 1 | $ 65,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 65,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 45,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 186,018,000 | 1 | $ 55,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ -1,000 | 1 | $ 25,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 6,286,552,000 | 1 | $ 75,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,479,145,000 | 1 | $ 285,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 55,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 9,380,854,000 | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 315,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 15,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 29 | $2,365,000 | $81,000 | $305,000 | $65,000 | $388,000 |
| Cash-out Refinancing | 11 | $1,485,000 | $135,000 | $285,000 | $67,000 | $137,000 |
| Refinancing | 9 | $1,325,000 | $147,000 | $315,000 | $59,000 | $127,000 |
| Other Purpose | 4 | $220,000 | $55,000 | $125,000 | $116,000 | $168,000 |
| Not Applicable | 2 | $150,000 | $75,000 | $85,000 | $36,000 | $48,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $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 | 38 | $3,960,000 | $104,000 | $315,000 | $73,000 | $388,000 |
| Not applicable | 7 | $695,000 | $99,000 | $315,000 | $0 | $0 |
| Hispanic | 6 | $560,000 | $93,000 | $285,000 | $40,000 | $137,000 |
| Not Provided | 5 | $345,000 | $69,000 | $125,000 | $41,000 | $118,000 |
| 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) | 32 | $3,680,000 | $115,000 | $315,000 | $85,000 | $388,000 |
| FHA-insured (Federal Housing Administration) | 12 | $940,000 | $78,000 | $175,000 | $36,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $550,000 | $68,000 | $85,000 | $33,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 4 | $390,000 | $97,000 | $135,000 | $49,000 | $68,000 |
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 | $2,730,000 | $97,000 | $315,000 | $77,000 | $388,000 |
| Application Denied By Financial Institution | 10 | $840,000 | $84,000 | $175,000 | $51,000 | $127,000 |
| Loan Purchased By The Institution | 9 | $845,000 | $93,000 | $315,000 | $36,000 | $48,000 |
| Application Withdrawn By Applicant | 6 | $630,000 | $105,000 | $285,000 | $55,000 | $137,000 |
| File Closed For Incompleteness | 2 | $430,000 | $215,000 | $305,000 | $78,000 | $122,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 46 | $4,720,000 | $102,000 | $315,000 | $70,000 | $388,000 |
| Credit History | 4 | $380,000 | $95,000 | $165,000 | $49,000 | $68,000 |
| Debt-To-Income Ratio | 3 | $155,000 | $51,000 | $75,000 | $26,000 | $40,000 |
| Collateral | 2 | $210,000 | $105,000 | $175,000 | $56,000 | $66,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $127,000 | $127,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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