Johnston County, OK Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 265 mortgage applications in Johnston County, OK totaling $34.7 million, down 7% from 2022. The average application was for $131,000, and applicants reported an average income of $105,000. 39% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 43 applications, followed by First United Bank and Trust Co and Triad Financial Services, Inc..
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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 | 265 |
| Total Mortgage Loan Application Amount | $34,725,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $2,112,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 43 | $ 4,875,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ 14,547,035,000 | 37 | $ 4,085,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 1,520,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 13 | $ 1,285,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 10,406,351,000 | 10 | $ 790,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 9 | $ 1,725,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 7 | $ 655,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 7 | $ 635,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 755,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 27,409,758,000 | 7 | $ 555,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,195,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 765,000 |
| Shamrock Bank N.A. 101 N MAIN ST COALGATE, OK 74538 |
* | $ 430,827,000 | 5 | $ 615,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 4 | $ 690,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 930,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 890,423,000 | 4 | $ 560,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 4 | $ 510,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 730,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 525,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 445,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 385,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ 602,346,000 | 3 | $ 375,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 1,458,130,000 | 3 | $ 635,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 420,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 130,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 170,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 2 | $ 60,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 824,264,000 | 2 | $ 280,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 400,000 |
| Fnb & Trust of Ardmore 405 WEST MAIN ARDMORE, OK 73401 |
* | $ 676,116,000 | 2 | $ 410,000 |
| The First National Bank of Tom Bean 109 S. BRITTON TOM BEAN, TX 75489 |
* | $ 120,587,000 | 2 | $ 310,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 440,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 670,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 170,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 450,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 8,748,621,000 | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 85,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 195,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 265,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 405,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 185,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 25,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 315,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 135,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 780,587,000 | 1 | $ 75,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 345,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,154,561,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 375,000 |
| Ameristate Bank 131 SOUTH PENNSYLVANIA AVENUE ATOKA, OK 74525 |
* | $ 361,152,000 | 1 | $ 25,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 125,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 6,032,105,000 | 1 | $ 275,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 445,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 245,000 |
The tables below break down 2023 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 2023
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 | 189 | $25,335,000 | $134,000 | $445,000 | $110,000 | $2,112,000 |
| Refinancing | 25 | $3,865,000 | $154,000 | $355,000 | $119,000 | $680,000 |
| Cash-out Refinancing | 23 | $3,885,000 | $168,000 | $375,000 | $73,000 | $142,000 |
| Other Purpose | 14 | $810,000 | $57,000 | $135,000 | $79,000 | $157,000 |
| Home Improvement | 13 | $795,000 | $61,000 | $175,000 | $85,000 | $201,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 161 | $19,785,000 | $122,000 | $445,000 | $94,000 | $680,000 |
| American Indian or Alaskan Native | 53 | $7,435,000 | $140,000 | $355,000 | $94,000 | $480,000 |
| Not applicable | 18 | $2,730,000 | $151,000 | $345,000 | $0 | $0 |
| Not Provided | 17 | $2,385,000 | $140,000 | $405,000 | $114,000 | $423,000 |
| Hispanic | 15 | $2,125,000 | $141,000 | $365,000 | $246,000 | $2,112,000 |
| Black or African American | 1 | $265,000 | $265,000 | $265,000 | $92,000 | $92,000 |
| 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) | 205 | $24,255,000 | $118,000 | $415,000 | $113,000 | $2,112,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,675,000 | $145,000 | $445,000 | $62,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,290,000 | $238,000 | $345,000 | $92,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $505,000 | $168,000 | $265,000 | $91,000 | $112,000 |
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 | 103 | $14,995,000 | $145,000 | $445,000 | $120,000 | $2,112,000 |
| Application Denied By Financial Institution | 79 | $8,175,000 | $103,000 | $365,000 | $84,000 | $480,000 |
| Application Withdrawn By Applicant | 27 | $3,755,000 | $139,000 | $375,000 | $91,000 | $240,000 |
| File Closed For Incompleteness | 26 | $3,370,000 | $129,000 | $315,000 | $93,000 | $280,000 |
| Loan Purchased By The Institution | 19 | $3,285,000 | $172,000 | $355,000 | $104,000 | $154,000 |
| Application Approved But Not Accepted | 11 | $1,145,000 | $104,000 | $205,000 | $167,000 | $680,000 |
| 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 | 176 | $25,290,000 | $143,000 | $445,000 | $113,000 | $2,112,000 |
| Credit History | 47 | $4,485,000 | $95,000 | $215,000 | $95,000 | $480,000 |
| Debt-To-Income Ratio | 29 | $3,435,000 | $118,000 | $415,000 | $83,000 | $452,000 |
| Collateral | 3 | $335,000 | $111,000 | $115,000 | $71,000 | $119,000 |
| Credit Application Incomplete | 3 | $305,000 | $101,000 | $175,000 | $48,000 | $48,000 |
| Other | 3 | $285,000 | $95,000 | $175,000 | $155,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $425,000 | $141,000 | $185,000 | $76,000 | $133,000 |
| Employment History | 1 | $165,000 | $165,000 | $165,000 | $43,000 | $43,000 |
| 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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