Johnston County, OK Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 244 mortgage applications in Johnston County, OK totaling $20.0 million, down 15% from 2011. The average application was for $82,000, and applicants reported an average income of $57,000. 50% of applications resulted in an originated loan and 30% were denied. The most active lender was Landmark Bank N.A., with 76 applications, followed by Bancfirst and 21st Mortgage.
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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 | 244 |
| Total Mortgage Loan Application Amount | $20,037,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $328,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,675,891,000 | 76 | $ 5,176,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 5,407,792,000 | 26 | $ 877,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 20 | $ 1,176,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 19 | $ 2,115,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 17 | $ 1,167,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,155,000 | 13 | $ 1,422,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 7 | $ 541,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 7 | $ 1,019,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 489,272,000 | 4 | $ 170,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 3 | $ 389,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 238,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 3 | $ 420,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 334,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 475,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,534,000 | 3 | $ 300,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,507,508,000 | 3 | $ 437,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 552,016,000 | 3 | $ 222,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 95,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 284,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 829,435,000 | 2 | $ 89,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 2 | $ 209,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 2 | $ 292,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 420,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 350,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 160,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 57,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 182,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 15,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 1 | $ 162,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 231,586,000 | 1 | $ 127,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,621,944,000 | 1 | $ 30,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 125,000 |
| First Texoma National Bank 220 W MAIN DURANT, OK 74701 |
* | $ 169,719,000 | 1 | $ 66,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 20,000 |
The tables below break down 2012 mortgage applications in Johnston 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 Johnston County, OK in 2012
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 | 137 | $11,188,000 | $81,000 | $264,000 | $56,000 | $192,000 |
| Refinancing | 82 | $8,251,000 | $100,000 | $417,000 | $57,000 | $328,000 |
| Home Improvement | 25 | $598,000 | $23,000 | $150,000 | $62,000 | $265,000 |
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 | 191 | $16,058,000 | $84,000 | $417,000 | $58,000 | $265,000 |
| American Indian or Alaskan Native | 28 | $2,112,000 | $75,000 | $264,000 | $59,000 | $182,000 |
| Not Provided | 10 | $1,039,000 | $103,000 | $350,000 | $80,000 | $328,000 |
| Not applicable | 9 | $386,000 | $42,000 | $93,000 | $7,000 | $44,000 |
| Hispanic | 3 | $237,000 | $79,000 | $124,000 | $52,000 | $82,000 |
| Black or African American | 2 | $71,000 | $35,000 | $47,000 | $31,000 | $46,000 |
| Asian | 1 | $134,000 | $134,000 | $134,000 | $111,000 | $111,000 |
| 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) | 192 | $13,729,000 | $71,000 | $417,000 | $60,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,248,000 | $116,000 | $202,000 | $51,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,391,000 | $149,000 | $255,000 | $44,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $669,000 | $83,000 | $130,000 | $39,000 | $70,000 |
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 | 123 | $9,805,000 | $79,000 | $329,000 | $61,000 | $265,000 |
| Application Denied By Financial Institution | 72 | $5,806,000 | $80,000 | $350,000 | $54,000 | $328,000 |
| Application Withdrawn By Applicant | 21 | $1,903,000 | $90,000 | $417,000 | $56,000 | $156,000 |
| Application Approved But Not Accepted | 14 | $976,000 | $69,000 | $205,000 | $51,000 | $156,000 |
| Loan Purchased By The Institution | 12 | $1,331,000 | $110,000 | $255,000 | $48,000 | $120,000 |
| File Closed For Incompleteness | 2 | $216,000 | $108,000 | $145,000 | $28,000 | $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 | 26 | $1,644,000 | $63,000 | $220,000 | $56,000 | $155,000 |
| Collateral | 8 | $1,189,000 | $148,000 | $350,000 | $94,000 | $328,000 |
| Debt-To-Income Ratio | 7 | $487,000 | $69,000 | $150,000 | $50,000 | $102,000 |
| Employment History | 3 | $109,000 | $36,000 | $58,000 | $45,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $161,000 | $161,000 | $161,000 | $0 | $0 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $128,000 | $128,000 |
| Unverifiable Information | 1 | $57,000 | $57,000 | $57,000 | $68,000 | $68,000 |
| 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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