Jefferson County, OK Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 143 mortgage applications in Jefferson County, OK totaling $14.1 million, up 13% from 2015. The average application was for $98,000, and applicants reported an average income of $83,000. 49% of applications resulted in an originated loan and 25% were denied. The most active lender was First Bank and Trust Co, with 40 applications, followed by American Nation Bank and loanDepot.com LLC.
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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 | 143 |
| Total Mortgage Loan Application Amount | $14,054,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $810,000 |
| 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 |
* | $ 586,172,000 | 40 | $ 2,841,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 364,929,000 | 13 | $ 897,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,435,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,678,359,000 | 10 | $ 1,660,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 682,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 5 | $ 383,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 276,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 4 | $ 329,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 221,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 81,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 3,153,899,000 | 2 | $ 113,000 |
| Bank of Commerce 1601 W COMMERCE DUNCAN, OK 73533 |
* | $ 292,818,000 | 2 | $ 875,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 377,750,000 | 2 | $ 99,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 305,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 2 | $ 345,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 72,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 269,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 198,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 31,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 140,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 635,803,000 | 1 | $ 40,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 379,807,000 | 1 | $ 2,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 25,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 1 | $ 11,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 64,000 |
| First Trust and Savings Bank 123 S. MAIN STREET WHEATLAND, IA 52777 |
* | $ 146,011,000 | 1 | $ 50,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,776,865,000 | 1 | $ 50,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 125,111,000 | 1 | $ 217,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 180,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 15,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,632,973,000 | 1 | $ 8,000 |
| Halliburton Employees Federal Credit Union 703 SOUTH 9TH STREET DUNCAN, OK 73533 |
* | $ 148,165,000 | 1 | $ 266,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 273,300,000 | 1 | $ 119,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 2,425,731,000 | 1 | $ 90,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 332,000 |
The tables below break down 2016 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 2016
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 | 72 | $6,015,000 | $83,000 | $254,000 | $76,000 | $383,000 |
| Refinancing | 55 | $7,332,000 | $133,000 | $835,000 | $92,000 | $810,000 |
| Home Improvement | 16 | $707,000 | $44,000 | $168,000 | $82,000 | $256,000 |
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 | 109 | $10,223,000 | $93,000 | $835,000 | $87,000 | $810,000 |
| American Indian or Alaskan Native | 14 | $1,988,000 | $142,000 | $332,000 | $101,000 | $228,000 |
| Not Provided | 7 | $662,000 | $94,000 | $257,000 | $62,000 | $127,000 |
| Hispanic | 6 | $352,000 | $58,000 | $72,000 | $66,000 | $85,000 |
| Not applicable | 5 | $551,000 | $110,000 | $217,000 | $0 | $0 |
| Black or African American | 2 | $278,000 | $139,000 | $140,000 | $88,000 | $91,000 |
| Native Hawaiin 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) | 101 | $9,620,000 | $95,000 | $835,000 | $96,000 | $810,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,321,000 | $122,000 | $269,000 | $53,000 | $157,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,532,000 | $102,000 | $215,000 | $53,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $581,000 | $72,000 | $88,000 | $51,000 | $74,000 |
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 | 70 | $7,088,000 | $101,000 | $835,000 | $103,000 | $810,000 |
| Application Denied By Financial Institution | 36 | $3,116,000 | $86,000 | $257,000 | $59,000 | $228,000 |
| Application Withdrawn By Applicant | 22 | $2,193,000 | $99,000 | $270,000 | $75,000 | $256,000 |
| Loan Purchased By The Institution | 10 | $1,477,000 | $147,000 | $332,000 | $47,000 | $122,000 |
| Application Approved But Not Accepted | 3 | $100,000 | $33,000 | $50,000 | $62,000 | $78,000 |
| File Closed For Incompleteness | 2 | $80,000 | $40,000 | $72,000 | $130,000 | $191,000 |
| 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 | 5 | $252,000 | $50,000 | $105,000 | $35,000 | $50,000 |
| Credit Application Incomplete | 2 | $187,000 | $93,000 | $125,000 | $53,000 | $98,000 |
| Other | 2 | $98,000 | $49,000 | $92,000 | $43,000 | $45,000 |
| Collateral | 1 | $108,000 | $108,000 | $108,000 | $87,000 | $87,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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