Jefferson County, OK Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 126 mortgage applications in Jefferson County, OK totaling $10.0 million, up 8% from 2018. The average application was for $79,000, and applicants reported an average income of $74,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was First Bank and Trust Co, with 36 applications, followed by 21st Mortgage and First National Bank and Trust Company of Ardmore.
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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 | $9,980,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $777,000 |
| 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 |
* | $ 585,397,000 | 36 | $ 1,900,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 990,000 |
| First National Bank and Trust Company of Ardmore 405 WEST MAIN ARDMORE, OK 73401 |
* | $ 510,897,000 | 8 | $ 420,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 411,203,000 | 7 | $ 355,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 6 | $ 620,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 5 | $ 215,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 7,010,234,000 | 5 | $ 675,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 4 | $ 220,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,555,421,000 | 4 | $ 190,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 490,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 450,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 180,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 160,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 210,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 55,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 65,000 |
| Landmark Bank PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 3,131,689,000 | 1 | $ 125,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 65,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 35,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 125,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 1 | $ 35,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 285,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 694,569,000 | 1 | $ 125,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,874,356,000 | 1 | $ 145,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 25,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 1 | $ 55,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 195,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 375,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 45,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ -1,000 | 1 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 375,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,227,535,000 | 1 | $ 85,000 |
The tables below break down 2019 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 2019
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 | 73 | $5,825,000 | $79,000 | $375,000 | $63,000 | $281,000 |
| Refinancing | 29 | $1,785,000 | $61,000 | $335,000 | $120,000 | $777,000 |
| Cash-out Refinancing | 11 | $1,815,000 | $165,000 | $375,000 | $53,000 | $137,000 |
| Home Improvement | 8 | $250,000 | $31,000 | $65,000 | $71,000 | $175,000 |
| Other Purpose | 5 | $305,000 | $61,000 | $105,000 | $60,000 | $77,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 88 | $6,800,000 | $77,000 | $375,000 | $75,000 | $777,000 |
| American Indian or Alaskan Native | 12 | $770,000 | $64,000 | $145,000 | $55,000 | $94,000 |
| Hispanic | 11 | $735,000 | $66,000 | $185,000 | $104,000 | $281,000 |
| Not Provided | 8 | $940,000 | $117,000 | $295,000 | $71,000 | $91,000 |
| Not applicable | 6 | $540,000 | $90,000 | $285,000 | $0 | $0 |
| Black or African American | 1 | $195,000 | $195,000 | $195,000 | $39,000 | $39,000 |
| 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) | 83 | $5,915,000 | $71,000 | $335,000 | $85,000 | $777,000 |
| FHA-insured (Federal Housing Administration) | 26 | $1,930,000 | $74,000 | $185,000 | $50,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,045,000 | $136,000 | $375,000 | $56,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $90,000 | $45,000 | $45,000 | $47,000 | $49,000 |
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 | 65 | $4,755,000 | $73,000 | $375,000 | $91,000 | $777,000 |
| Application Denied By Financial Institution | 21 | $1,785,000 | $85,000 | $375,000 | $44,000 | $84,000 |
| Application Withdrawn By Applicant | 16 | $1,550,000 | $96,000 | $295,000 | $52,000 | $137,000 |
| File Closed For Incompleteness | 10 | $650,000 | $65,000 | $115,000 | $60,000 | $93,000 |
| Application Approved But Not Accepted | 8 | $630,000 | $78,000 | $155,000 | $84,000 | $126,000 |
| Loan Purchased By The Institution | 6 | $610,000 | $101,000 | $285,000 | $44,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 66 | $6,170,000 | $93,000 | $375,000 | $62,000 | $175,000 |
| Debt-To-Income Ratio | 47 | $2,615,000 | $55,000 | $185,000 | $100,000 | $777,000 |
| Credit History | 6 | $740,000 | $123,000 | $375,000 | $42,000 | $75,000 |
| Collateral | 3 | $95,000 | $31,000 | $35,000 | $38,000 | $43,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $115,000 | $30,000 | $30,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $37,000 | $37,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $77,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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