Jefferson County, OK Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 100 mortgage applications in Jefferson County, OK totaling $8.0 million, down 14% from 2009. The average application was for $79,000, and applicants reported an average income of $59,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was First Bank and Trust Co, with 22 applications, followed by Wells Fargo Bank, NA and 21st Mortgage.
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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 | 100 |
| Total Mortgage Loan Application Amount | $7,966,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $260,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $140,000 |
| 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 |
* | $ 456,344,000 | 22 | $ 647,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 7 | $ 729,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 365,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 4,369,210,000 | 5 | $ 350,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 442,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 325,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 3 | $ 290,000 |
| Bank of the Wichitas Mortgage 1801 NW CACHE RD LAWTON, OK 73507 |
* | $ 81,889,000 | 3 | $ 423,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,319,023,000 | 3 | $ 341,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 679,656,000 | 2 | $ 59,000 |
| Mtc Federal Credit Union PO BOX 1944 GREENVILLE, SC 29607 |
* | $ 96,095,000 | 2 | $ 134,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 314,901,000 | 2 | $ 141,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 292,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 55,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 2 | $ 128,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 358,380,000 | 1 | $ 25,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 277,378,000 | 1 | $ 3,000 |
| Affiliated Bank 500 HARWOOD RD BEDFORD, TX 76021 |
* | $ 164,626,000 | 1 | $ 135,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 906,535,000 | 1 | $ 110,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 100,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 258,665,000 | 1 | $ 69,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 1,987,814,000 | 1 | $ 231,000 |
| Sooner State Bank 10301 N MAY AVE OKLAHOMA CITY, OK 73120 |
* | $ 139,063,000 | 1 | $ 141,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,189,784,000 | 1 | $ 260,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 134,353,000 | 1 | $ 75,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,911,006,000 | 1 | $ 30,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 110,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 87,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 140,000 |
| Mason McDuffie Mortgage Corp 2010 CROW CANYON PLACE, SUITE 400 SAN RAMON, CA 94583 |
* | $ 1,300,000 | 1 | $ 125,000 |
| Western Sun Federal Credit Union 4620 W KENOSHA STREET BROKEN ARROW, OK 74012 |
* | $ 108,728,000 | 1 | $ 87,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 110,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 22,000 |
| First National Bank of Byers 505 MAIN BYERS, TX 76357 |
* | $ 86,477,000 | 1 | $ 90,000 |
The tables below break down 2010 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 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 | 47 | $4,944,000 | $105,000 | $260,000 | $68,000 | $140,000 |
| Home Purchase | 40 | $2,689,000 | $67,000 | $167,000 | $56,000 | $132,000 |
| Home Improvement | 13 | $333,000 | $25,000 | $100,000 | $39,000 | $114,000 |
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 | 84 | $6,339,000 | $75,000 | $243,000 | $60,000 | $140,000 |
| Not Provided | 9 | $950,000 | $105,000 | $140,000 | $62,000 | $120,000 |
| American Indian or Alaskan Native | 2 | $370,000 | $185,000 | $260,000 | $96,000 | $103,000 |
| Black or African American | 2 | $101,000 | $50,000 | $69,000 | $26,000 | $40,000 |
| Hispanic | 2 | $65,000 | $32,000 | $35,000 | $63,000 | $78,000 |
| Not applicable | 1 | $141,000 | $141,000 | $141,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 72 | $4,603,000 | $63,000 | $243,000 | $57,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 25 | $3,059,000 | $122,000 | $260,000 | $67,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $192,000 | $96,000 | $105,000 | $64,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 1 | $112,000 | $112,000 | $112,000 | $41,000 | $41,000 |
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 | 47 | $3,181,000 | $67,000 | $260,000 | $57,000 | $118,000 |
| Application Denied By Financial Institution | 23 | $1,649,000 | $71,000 | $243,000 | $50,000 | $140,000 |
| Loan Purchased By The Institution | 10 | $1,265,000 | $126,000 | $231,000 | $75,000 | $103,000 |
| Application Withdrawn By Applicant | 8 | $982,000 | $122,000 | $228,000 | $78,000 | $120,000 |
| Application Approved But Not Accepted | 8 | $487,000 | $60,000 | $222,000 | $53,000 | $132,000 |
| File Closed For Incompleteness | 4 | $402,000 | $100,000 | $135,000 | $78,000 | $103,000 |
| 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 | 6 | $208,000 | $34,000 | $110,000 | $26,000 | $60,000 |
| Debt-To-Income Ratio | 4 | $265,000 | $66,000 | $126,000 | $55,000 | $112,000 |
| Collateral | 2 | $238,000 | $119,000 | $151,000 | $60,000 | $78,000 |
| Credit Application Incomplete | 1 | $126,000 | $126,000 | $126,000 | $84,000 | $84,000 |
| Other | 1 | $82,000 | $82,000 | $82,000 | $140,000 | $140,000 |
| Unverifiable Information | 1 | $6,000 | $6,000 | $6,000 | $0 | $0 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $26,000 | $26,000 |
| 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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