Johnston County, OK Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 289 mortgage applications in Johnston County, OK totaling $46.1 million, up 9% from 2023. The average application was for $159,000, and applicants reported an average income of $85,000. 40% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 41 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 | 289 |
| Total Mortgage Loan Application Amount | $46,105,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $448,000 |
* 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 |
* | $ n/a | 41 | $ 5,195,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 32 | $ 6,460,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 21 | $ 2,725,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ n/a | 17 | $ 1,505,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 14 | $ 1,700,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ n/a | 13 | $ 1,915,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 11 | $ 2,095,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 810,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 6 | $ 1,100,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ n/a | 5 | $ 975,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 5 | $ 825,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 965,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 1,300,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 390,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 970,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 660,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 490,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 3 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 645,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 335,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 225,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 3 | $ 465,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 3 | $ 365,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 420,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 100,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 110,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 2 | $ 290,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 280,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 420,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 550,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 2 | $ 580,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 490,000 |
| Lamar National Bank 200 S COLLEGIATE DR PARIS, TX 75460 |
* | $ n/a | 1 | $ 515,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 105,000 |
| First Texoma National Bank 220 W MAIN DURANT, OK 74701 |
* | $ n/a | 1 | $ 35,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 235,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 425,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 145,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 155,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 45,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 195,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 125,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 505,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 265,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 95,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ n/a | 1 | $ 765,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 285,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 115,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 305,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 365,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 205,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 125,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 575,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 325,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 245,000 |
| Fnb & Trust of Ardmore 405 WEST MAIN ARDMORE, OK 73401 |
* | $ n/a | 1 | $ 45,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 75,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 135,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 145,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 25,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ n/a | 1 | $ 55,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ n/a | 1 | $ 125,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 195,000 |
| Shamrock Bank N.A. 101 N MAIN ST COALGATE, OK 74538 |
* | $ n/a | 1 | $ 105,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 65,000 |
| New Fed Mortgage Corp. 98 HIGH ST DANVERS, MA 01923 |
* | $ n/a | 1 | $ 235,000 |
The tables below break down 2024 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 2024
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 | 192 | $32,870,000 | $171,000 | $765,000 | $85,000 | $448,000 |
| Cash-out Refinancing | 30 | $4,560,000 | $152,000 | $385,000 | $79,000 | $200,000 |
| Refinancing | 27 | $5,255,000 | $194,000 | $425,000 | $101,000 | $370,000 |
| Other Purpose | 26 | $2,560,000 | $98,000 | $355,000 | $87,000 | $218,000 |
| Home Improvement | 14 | $860,000 | $61,000 | $155,000 | $71,000 | $134,000 |
| 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 | 181 | $27,875,000 | $154,000 | $765,000 | $85,000 | $448,000 |
| American Indian or Alaskan Native | 46 | $7,020,000 | $152,000 | $305,000 | $82,000 | $230,000 |
| Not applicable | 35 | $7,235,000 | $206,000 | $655,000 | $0 | $0 |
| Not Provided | 11 | $1,705,000 | $155,000 | $375,000 | $96,000 | $200,000 |
| Hispanic | 8 | $1,220,000 | $152,000 | $325,000 | $86,000 | $126,000 |
| Black or African American | 7 | $935,000 | $133,000 | $365,000 | $83,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $57,000 | $57,000 |
| 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) | 214 | $31,920,000 | $149,000 | $765,000 | $87,000 | $448,000 |
| FHA-insured (Federal Housing Administration) | 50 | $8,580,000 | $171,000 | $385,000 | $79,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,500,000 | $250,000 | $575,000 | $89,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,105,000 | $157,000 | $195,000 | $67,000 | $98,000 |
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 | 116 | $19,220,000 | $165,000 | $655,000 | $103,000 | $448,000 |
| Application Denied By Financial Institution | 66 | $9,640,000 | $146,000 | $765,000 | $60,000 | $186,000 |
| Application Withdrawn By Applicant | 41 | $6,885,000 | $167,000 | $505,000 | $80,000 | $213,000 |
| Loan Purchased By The Institution | 27 | $5,025,000 | $186,000 | $575,000 | $65,000 | $65,000 |
| File Closed For Incompleteness | 21 | $2,765,000 | $131,000 | $575,000 | $72,000 | $143,000 |
| Application Approved But Not Accepted | 18 | $2,570,000 | $142,000 | $365,000 | $91,000 | $176,000 |
| 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 | 219 | $36,225,000 | $165,000 | $655,000 | $94,000 | $448,000 |
| Credit History | 35 | $4,215,000 | $120,000 | $295,000 | $59,000 | $130,000 |
| Debt-To-Income Ratio | 15 | $2,315,000 | $154,000 | $765,000 | $53,000 | $129,000 |
| Collateral | 7 | $1,035,000 | $147,000 | $265,000 | $101,000 | $186,000 |
| Credit Application Incomplete | 3 | $735,000 | $245,000 | $375,000 | $119,000 | $119,000 |
| Other | 3 | $715,000 | $238,000 | $355,000 | $84,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $355,000 | $118,000 | $145,000 | $68,000 | $86,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $125,000 | $0 | $0 |
| Employment History | 2 | $300,000 | $150,000 | $195,000 | $20,000 | $40,000 |
| 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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