Jefferson County, OK Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 117 mortgage applications in Jefferson County, OK totaling $8.5 million, down 30% from 2017. The average application was for $72,000, and applicants reported an average income of $77,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was First Bank and Trust Co, with 47 applications, followed by American Nation Bank and Flagstar 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 | 117 |
| Total Mortgage Loan Application Amount | $8,515,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $305,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $918,000 |
| 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 |
* | $ 593,709,000 | 47 | $ 1,875,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 400,537,000 | 6 | $ 310,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 495,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 460,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,236,903,000 | 3 | $ 215,000 |
| First National Bank and Trust Company of Ardmore 405 WEST MAIN ARDMORE, OK 73401 |
* | $ 504,559,000 | 3 | $ 175,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 2 | $ 170,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,143,613,000 | 2 | $ 60,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 270,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 200,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 280,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 280,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 440,521,000 | 2 | $ 550,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 230,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 210,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 60,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,697,490,000 | 1 | $ 125,000 |
| Fort Sill Federal Credit Union PO BOX 1527 LAWTON, OK 73502 |
* | $ 275,568,000 | 1 | $ 105,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 65,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 55,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 456,898,000 | 1 | $ 85,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 105,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 155,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 115,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 115,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 125,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Mtc Federal Credit Union PO BOX 1944 GREENVILLE, SC 29607 |
* | $ 177,438,000 | 1 | $ 65,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 65,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 155,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 506,990,000 | 1 | $ 65,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 95,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2018 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 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 | 65 | $5,025,000 | $77,000 | $285,000 | $59,000 | $177,000 |
| Refinancing | 32 | $1,670,000 | $52,000 | $305,000 | $123,000 | $918,000 |
| Cash-out Refinancing | 13 | $1,255,000 | $96,000 | $185,000 | $71,000 | $97,000 |
| Home Improvement | 3 | $215,000 | $71,000 | $105,000 | $61,000 | $100,000 |
| Not Applicable | 2 | $300,000 | $150,000 | $155,000 | $105,000 | $105,000 |
| Other Purpose | 2 | $50,000 | $25,000 | $25,000 | $12,000 | $15,000 |
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 | 94 | $6,280,000 | $66,000 | $305,000 | $83,000 | $918,000 |
| American Indian or Alaskan Native | 6 | $290,000 | $48,000 | $105,000 | $38,000 | $61,000 |
| Black or African American | 5 | $815,000 | $163,000 | $195,000 | $66,000 | $97,000 |
| Hispanic | 4 | $290,000 | $72,000 | $125,000 | $50,000 | $73,000 |
| Not applicable | 4 | $540,000 | $135,000 | $145,000 | $0 | $0 |
| Not Provided | 2 | $160,000 | $80,000 | $115,000 | $28,000 | $56,000 |
| Asian | 2 | $140,000 | $70,000 | $75,000 | $50,000 | $53,000 |
| 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) | 77 | $4,765,000 | $61,000 | $305,000 | $89,000 | $918,000 |
| FHA-insured (Federal Housing Administration) | 26 | $1,960,000 | $75,000 | $225,000 | $50,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,425,000 | $129,000 | $195,000 | $65,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $365,000 | $121,000 | $145,000 | $66,000 | $71,000 |
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 | 59 | $4,195,000 | $71,000 | $305,000 | $95,000 | $918,000 |
| Application Denied By Financial Institution | 26 | $1,660,000 | $63,000 | $185,000 | $47,000 | $144,000 |
| Application Withdrawn By Applicant | 11 | $725,000 | $65,000 | $285,000 | $67,000 | $156,000 |
| Application Approved But Not Accepted | 10 | $720,000 | $72,000 | $155,000 | $73,000 | $128,000 |
| Loan Purchased By The Institution | 7 | $875,000 | $125,000 | $195,000 | $51,000 | $72,000 |
| File Closed For Incompleteness | 4 | $340,000 | $85,000 | $155,000 | $65,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 55 | $2,235,000 | $40,000 | $305,000 | $89,000 | $918,000 |
| Not applicable | 49 | $5,135,000 | $104,000 | $285,000 | $68,000 | $177,000 |
| Credit History | 5 | $415,000 | $83,000 | $185,000 | $68,000 | $144,000 |
| Collateral | 3 | $335,000 | $111,000 | $145,000 | $67,000 | $82,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $115,000 | $7,000 | $14,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $135,000 | $135,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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