Jefferson County, OK Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 142 mortgage applications in Jefferson County, OK totaling $13.3 million, up 13% from 2019. The average application was for $93,000, and applicants reported an average income of $70,000. 44% of applications resulted in an originated loan and 25% were denied. The most active lender was First Bank and Trust Co, with 34 applications, followed by 21st Mortgage and American Nation 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 | 142 |
| Total Mortgage Loan Application Amount | $13,250,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $561,000 |
| 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 |
* | $ 560,434,000 | 34 | $ 2,000,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 1,225,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 445,868,000 | 8 | $ 310,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,724,832,000 | 6 | $ 820,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 5 | $ 135,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 4 | $ 340,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 4 | $ 560,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 8,090,901,000 | 3 | $ 215,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 285,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 225,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 230,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 260,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,309,884,000 | 2 | $ 260,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 70,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 180,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 90,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 210,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 400,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 25,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 165,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 195,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 55,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 4,228,679,000 | 1 | $ 125,000 |
| The First National Bank of Gra 101 E BRIDGE ST GRANBURY, TX 76048 |
* | $ 629,386,000 | 1 | $ 365,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 55,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 758,653,000 | 1 | $ 135,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 175,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 85,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 690,210,000 | 1 | $ 235,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 215,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 65,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 75,000 |
The tables below break down 2020 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 2020
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 | $6,055,000 | $82,000 | $245,000 | $57,000 | $141,000 |
| Refinancing | 41 | $5,025,000 | $122,000 | $375,000 | $103,000 | $561,000 |
| Other Purpose | 11 | $605,000 | $55,000 | $155,000 | $81,000 | $212,000 |
| Cash-out Refinancing | 9 | $1,135,000 | $126,000 | $225,000 | $55,000 | $106,000 |
| Home Improvement | 7 | $405,000 | $57,000 | $165,000 | $52,000 | $105,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 97 | $8,835,000 | $91,000 | $375,000 | $77,000 | $561,000 |
| Not Provided | 18 | $1,860,000 | $103,000 | $195,000 | $43,000 | $107,000 |
| American Indian or Alaskan Native | 10 | $970,000 | $97,000 | $215,000 | $66,000 | $105,000 |
| Hispanic | 8 | $870,000 | $108,000 | $225,000 | $57,000 | $126,000 |
| Not applicable | 5 | $285,000 | $57,000 | $125,000 | $0 | $0 |
| Black or African American | 4 | $430,000 | $107,000 | $205,000 | $41,000 | $63,000 |
| 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) | 103 | $9,335,000 | $90,000 | $365,000 | $76,000 | $561,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,595,000 | $75,000 | $155,000 | $54,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,960,000 | $163,000 | $375,000 | $61,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $360,000 | $60,000 | $95,000 | $34,000 | $50,000 |
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 | 62 | $5,520,000 | $89,000 | $375,000 | $77,000 | $561,000 |
| Application Denied By Financial Institution | 36 | $3,210,000 | $89,000 | $255,000 | $51,000 | $107,000 |
| Application Withdrawn By Applicant | 22 | $1,970,000 | $89,000 | $225,000 | $67,000 | $212,000 |
| File Closed For Incompleteness | 9 | $925,000 | $102,000 | $205,000 | $53,000 | $74,000 |
| Application Approved But Not Accepted | 8 | $1,000,000 | $125,000 | $245,000 | $103,000 | $180,000 |
| Loan Purchased By The Institution | 5 | $625,000 | $125,000 | $365,000 | $365,000 | $365,000 |
| 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 | 69 | $8,015,000 | $116,000 | $375,000 | $72,000 | $365,000 |
| Debt-To-Income Ratio | 47 | $2,935,000 | $62,000 | $255,000 | $78,000 | $561,000 |
| Credit History | 18 | $1,500,000 | $83,000 | $195,000 | $50,000 | $105,000 |
| Other | 3 | $275,000 | $91,000 | $135,000 | $41,000 | $55,000 |
| Collateral | 2 | $240,000 | $120,000 | $155,000 | $60,000 | $90,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $115,000 | $86,000 | $107,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $41,000 | $41,000 |
| 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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