Kay County, OK Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,169 mortgage applications in Kay County, OK totaling $98.8 million, down 19% from 2010. The average application was for $84,000, and applicants reported an average income of $62,000. 46% of applications resulted in an originated loan and 21% were denied. The most active lender was Rcb Bank, with 192 applications, followed by First National Bank of Oklahoma and Mortgage Clearing Corporation.

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Total Number of Mortgage Applications 1,169
Total Mortgage Loan Application Amount $98,844,000
Average Mortgage Loan Application Amount $84,000
Highest Mortgage Loan Application Amount $1,010,000
Average Applicant Income $62,000
Highest Applicant Income $900,000

Mortgage Company List for Lending in Kay County, OK for 2011

* 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
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 1,909,097,000 192 $ 13,205,000
First National Bank of Oklahoma
10900 HEFNER POINTE DRIVE
OKLAHOMA CITY, OK 73120
* $ 242,394,000 105 $ 5,246,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 93 $ 10,361,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 84 $ 8,343,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 69 $ 5,669,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 63 $ 3,813,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 53 $ 4,677,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 48 $ 4,519,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 4,808,545,000 38 $ 2,645,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 33 $ 3,870,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 32 $ 1,834,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 28 $ 1,681,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 13 $ 1,685,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 13 $ 1,621,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 12 $ 1,566,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 11 $ 1,101,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 2,391,521,000 11 $ 257,000
City National Bank and Trust
PO BOX 2009
LAWTON, OK 73502
* $ 276,091,000 10 $ 151,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 10 $ 783,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 9 $ 1,425,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 9 $ 1,181,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 9 $ 1,113,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 8 $ 656,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 7 $ 484,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 480,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 7 $ 1,098,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 7 $ 354,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 249,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 503,620,000 6 $ 84,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 6 $ 633,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 5 $ 405,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 489,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 5 $ 919,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 5 $ 612,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 5 $ 337,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 543,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 541,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 343,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 243,000
Bank7
1039 N.W. 63RD ST
OKLAHOMA CITY, OK 73116
* $ 139,295,000 4 $ 388,000
F&M Bank & Trust
1330 S. HARVARD
TULSA, OK 74104
* $ 1,553,684,000 4 $ 398,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 539,317,000 4 $ 428,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 3 $ 138,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 3 $ 20,000
Main Street Financial
9953 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 8,801,000 3 $ 344,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 381,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 379,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 326,000
Bank Snb, NA
608 S MAIN
STILLWATER, OK 74074
* $ 2,467,385,000 3 $ 1,182,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 3 $ 438,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 3 $ 230,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 718,746,000 3 $ 200,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 3 $ 531,000
Osage Federal Bank
PO BOX 26
PAWHUSKA, OK 74056
* $ 153,868,000 2 $ 139,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 2 $ 81,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 169,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 172,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 199,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 177,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 196,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 167,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 261,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 261,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 554,688,000 2 $ 104,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 2 $ 256,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 86,911,000 2 $ 302,000
American Heritage Bank
PO BOX 1408/2 SOUTH MAIN
SAPULPA, OK 74066
* $ 691,940,000 2 $ 133,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 1,655,998,000 2 $ 272,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 2 $ 198,000
Allegiance Federal Credit Union
4235 N MERIDIAN AVE
OKLAHOMA CITY, OK 73112
* $ 223,953,000 2 $ 374,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 288,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 110,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 407,824,000 1 $ 120,000
Bank of Commerce and Trust Company
201 W HARVEY
WELLINGTON, KS 67152
* $ 48,616,000 1 $ 104,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 103,000
Republic Bank & Trust
401 W. MAIN
NORMAN, OK 73069
* $ 341,281,000 1 $ 73,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 802,820,000 1 $ 149,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,192,808,000 1 $ 39,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 1 $ 121,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 93,000
Cornerbank, N.A.
900 MAIN ST - PO BOX 545
WINFIELD, KS 67156
* $ 242,410,000 1 $ 48,000
Citizens Bank of Kansas, N.A.
300 N MAIN
KINGMAN, KS 67068
* $ 216,166,000 1 $ 46,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 74,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 104,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 174,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 46,000
Reverse Mortgage USA, Inc.
6500 RIVER PLACE BLVD, BLDG 1, STE 425
AUSTIN, TX 78730
* $ 3,305,000 1 $ 113,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 67,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 68,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 189,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 135,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 1 $ 108,000
Vision Bank
PO BOX 669
ADA, OK 74820
* $ 574,396,000 1 $ 40,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 1 $ 61,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ 3,406,000,000 1 $ 160,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 131,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 28,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 1 $ 90,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 255,000
First National Bank and Trust Company
130 E MACARTHUR
SHAWNEE, OK 74804
* $ 200,889,000 1 $ 49,000

The tables below break down 2011 mortgage applications in Kay 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 Kay County, OK in 2011

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
Refinancing 532 $51,720,000 $97,000 $1,010,000 $65,000 $900,000
Home Purchase 525 $44,216,000 $84,000 $330,000 $61,000 $551,000
Home Improvement 112 $2,908,000 $25,000 $220,000 $51,000 $240,000

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 928 $77,783,000 $83,000 $1,010,000 $64,000 $900,000
Not Provided 74 $6,465,000 $87,000 $303,000 $73,000 $864,000
Not applicable 54 $6,552,000 $121,000 $969,000 $12,000 $195,000
Hispanic 47 $2,979,000 $63,000 $220,000 $64,000 $176,000
American Indian or Alaskan Native 46 $3,666,000 $79,000 $309,000 $58,000 $212,000
Asian 12 $748,000 $62,000 $131,000 $39,000 $126,000
Black or African American 8 $651,000 $81,000 $200,000 $41,000 $120,000
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) 745 $59,436,000 $79,000 $1,010,000 $70,000 $900,000
FHA-insured (Federal Housing Administration) 329 $29,935,000 $90,000 $274,000 $48,000 $192,000
VA-guaranteed (Veterans Administration) 60 $6,830,000 $113,000 $330,000 $53,000 $295,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 35 $2,643,000 $75,000 $199,000 $37,000 $65,000

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 535 $44,116,000 $82,000 $1,010,000 $68,000 $900,000
Application Denied By Financial Institution 251 $16,289,000 $64,000 $274,000 $51,000 $256,000
Loan Purchased By The Institution 211 $22,529,000 $106,000 $407,000 $56,000 $454,000
Application Withdrawn By Applicant 91 $8,799,000 $96,000 $363,000 $61,000 $450,000
Application Approved But Not Accepted 59 $4,666,000 $79,000 $390,000 $76,000 $864,000
File Closed For Incompleteness 22 $2,445,000 $111,000 $303,000 $56,000 $163,000
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 80 $3,768,000 $47,000 $200,000 $45,000 $140,000
Collateral 54 $4,048,000 $74,000 $212,000 $66,000 $186,000
Debt-To-Income Ratio 21 $1,033,000 $49,000 $128,000 $37,000 $127,000
Credit Application Incomplete 15 $1,570,000 $104,000 $187,000 $45,000 $129,000
Other 15 $862,000 $57,000 $176,000 $50,000 $256,000
Employment History 5 $172,000 $34,000 $64,000 $42,000 $54,000
Unverifiable Information 2 $50,000 $25,000 $25,000 $73,000 $73,000
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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