Jefferson County, OK Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 126 mortgage applications in Jefferson County, OK totaling $10.8 million, down 4% from 2014. The average application was for $85,000, and applicants reported an average income of $67,000. 51% of applications resulted in an originated loan and 25% were denied. The most active lender was First Bank and Trust Co, with 33 applications, followed by 21st Mortgage and American National Bank.
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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 | 126 |
| Total Mortgage Loan Application Amount | $10,799,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $773,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $284,000 |
| 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 |
* | $ 615,675,000 | 33 | $ 1,455,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 458,000 |
| American National Bank BOX 5009 ARDMORE, OK 73403 |
* | $ 349,900,000 | 8 | $ 503,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 7 | $ 396,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 435,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,264,522,000 | 4 | $ 140,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,557,187,000 | 4 | $ 383,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 454,015,000 | 3 | $ 1,259,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 335,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 3 | $ 138,000 |
| Halliburton Employees Federal Credit Union 703 SOUTH 9TH STREET DUNCAN, OK 73533 |
* | $ 150,492,000 | 3 | $ 170,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 194,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 364,541,000 | 2 | $ 344,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 348,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 2 | $ 144,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 127,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 1,007,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 239,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 65,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 122,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 19,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 319,726,000 | 1 | $ 3,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,944,176,000 | 1 | $ 79,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 209,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 468,741,000 | 1 | $ 21,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 416,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 121,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 116,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 140,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 987,143,000 | 1 | $ 54,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 38,000 |
| Legacy Bank 101 W MAIN HINTON, OK 73047 |
* | $ 462,787,000 | 1 | $ 55,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 121,000 |
The tables below break down 2015 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 2015
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 | 56 | $3,919,000 | $69,000 | $209,000 | $62,000 | $284,000 |
| Refinancing | 45 | $6,260,000 | $139,000 | $773,000 | $68,000 | $232,000 |
| Home Improvement | 25 | $620,000 | $24,000 | $99,000 | $75,000 | $168,000 |
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 | 98 | $8,515,000 | $86,000 | $773,000 | $70,000 | $284,000 |
| Not Provided | 10 | $601,000 | $60,000 | $130,000 | $69,000 | $168,000 |
| Not applicable | 7 | $776,000 | $110,000 | $209,000 | $0 | $0 |
| Hispanic | 7 | $493,000 | $70,000 | $116,000 | $61,000 | $88,000 |
| American Indian or Alaskan Native | 3 | $359,000 | $119,000 | $276,000 | $112,000 | $120,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $61,000 | $61,000 |
| Asian | 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) | 93 | $6,965,000 | $74,000 | $773,000 | $74,000 | $284,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,716,000 | $85,000 | $276,000 | $48,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,087,000 | $173,000 | $600,000 | $45,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $31,000 | $31,000 | $31,000 | $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 | 64 | $5,691,000 | $88,000 | $773,000 | $70,000 | $232,000 |
| Application Denied By Financial Institution | 32 | $2,309,000 | $72,000 | $254,000 | $68,000 | $168,000 |
| Application Withdrawn By Applicant | 14 | $1,557,000 | $111,000 | $600,000 | $94,000 | $284,000 |
| Loan Purchased By The Institution | 8 | $895,000 | $111,000 | $209,000 | $15,000 | $73,000 |
| File Closed For Incompleteness | 4 | $152,000 | $38,000 | $54,000 | $47,000 | $70,000 |
| Application Approved But Not Accepted | 4 | $195,000 | $48,000 | $56,000 | $29,000 | $56,000 |
| 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 | $232,000 | $38,000 | $108,000 | $66,000 | $132,000 |
| Collateral | 4 | $223,000 | $55,000 | $85,000 | $83,000 | $168,000 |
| Credit Application Incomplete | 3 | $235,000 | $78,000 | $96,000 | $108,000 | $120,000 |
| Debt-To-Income Ratio | 3 | $196,000 | $65,000 | $71,000 | $96,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $130,000 | $130,000 | $130,000 | $36,000 | $36,000 |
| Other | 1 | $51,000 | $51,000 | $51,000 | $30,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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