Jefferson County, OK Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 116 mortgage applications in Jefferson County, OK totaling $9.2 million, down 30% from 2008. The average application was for $79,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 21% were denied. The most active lender was First Bank and Trust Co, with 28 applications, followed by Bank of America, N.A. and JPMorgan Chase 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 | 116 |
| Total Mortgage Loan Application Amount | $9,241,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $412,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $218,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 439,358,000 | 28 | $ 1,880,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 11 | $ 838,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 6 | $ 508,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 3,854,707,000 | 6 | $ 207,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 185,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 610,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 4 | $ 207,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 591,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,610,571,000 | 3 | $ 139,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 3 | $ 350,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 125,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 283,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 86,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 10,210,879,000 | 2 | $ 70,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 81,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 2 | $ 179,000 |
| Halliburton Employees Federal Credit Union 703 SOUTH 9TH STREET DUNCAN, OK 73533 |
* | $ 70,150,000 | 2 | $ 116,000 |
| Cornerstone Home Loans, LLC 1101 SW C AVENUE LAWTON, OK 73501 |
* | $ 81,889,000 | 2 | $ 297,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 194,000 |
| First Continental Mortgage, Ltd. 11011 RICHMOND AVENUE, SUITE 800 HOUSTON, TX 77072 |
* | $ 10,000,000 | 1 | $ 153,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Mtc Federal Credit Union PO BOX 1944 GREENVILLE, SC 29607 |
* | $ 80,984,000 | 1 | $ 19,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 77,891,000 | 1 | $ 88,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 264,025,000 | 1 | $ 18,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 1 | $ 108,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 412,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 412,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 98,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 94,000 |
| Pilot Bank 12471 W. LINEBAUGH AVE TAMPA, FL 33626 |
* | $ 252,466,000 | 1 | $ 36,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 476,521,000 | 1 | $ 15,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 156,468,000 | 1 | $ 54,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 59,000 |
| Bank of the Wichitas 623 E STREET SNYDER, OK 73566 |
* | $ 114,677,000 | 1 | $ 39,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,039,978,000 | 1 | $ 43,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 10,638,109,000 | 1 | $ 68,000 |
The tables below break down 2009 mortgage applications in Jefferson 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 Jefferson 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 | 69 | $6,016,000 | $87,000 | $412,000 | $60,000 | $218,000 |
| Home Purchase | 37 | $2,938,000 | $79,000 | $250,000 | $56,000 | $207,000 |
| Home Improvement | 10 | $287,000 | $28,000 | $98,000 | $51,000 | $95,000 |
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 | 97 | $7,490,000 | $77,000 | $412,000 | $58,000 | $207,000 |
| Not Provided | 9 | $839,000 | $93,000 | $412,000 | $73,000 | $218,000 |
| American Indian or Alaskan Native | 4 | $425,000 | $106,000 | $220,000 | $46,000 | $99,000 |
| Asian | 2 | $160,000 | $80,000 | $95,000 | $79,000 | $128,000 |
| Hispanic | 2 | $241,000 | $120,000 | $231,000 | $37,000 | $51,000 |
| Not applicable | 2 | $86,000 | $43,000 | $55,000 | $34,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 80 | $5,991,000 | $74,000 | $412,000 | $59,000 | $218,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,639,000 | $94,000 | $173,000 | $64,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $396,000 | $99,000 | $153,000 | $30,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 4 | $215,000 | $53,000 | $65,000 | $24,000 | $52,000 |
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 | 53 | $3,730,000 | $70,000 | $412,000 | $59,000 | $175,000 |
| Application Denied By Financial Institution | 24 | $1,856,000 | $77,000 | $231,000 | $48,000 | $104,000 |
| Loan Purchased By The Institution | 18 | $1,636,000 | $90,000 | $412,000 | $69,000 | $207,000 |
| Application Withdrawn By Applicant | 15 | $1,665,000 | $111,000 | $412,000 | $64,000 | $218,000 |
| Application Approved But Not Accepted | 4 | $215,000 | $53,000 | $94,000 | $44,000 | $57,000 |
| File Closed For Incompleteness | 2 | $139,000 | $69,000 | $99,000 | $39,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $539,000 | $107,000 | $153,000 | $49,000 | $99,000 |
| Credit History | 5 | $182,000 | $36,000 | $64,000 | $39,000 | $61,000 |
| Employment History | 2 | $182,000 | $91,000 | $172,000 | $30,000 | $37,000 |
| Debt-To-Income Ratio | 1 | $40,000 | $40,000 | $40,000 | $16,000 | $16,000 |
| Unverifiable Information | 1 | $78,000 | $78,000 | $78,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 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 |
| Other | 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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