Major County, OK Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 136 mortgage applications in Major County, OK totaling $12.8 million, down 13% from 2009. The average application was for $93,000, and applicants reported an average income of $66,000. 31% of applications resulted in an originated loan and 36% were denied. The most active lender was Tinker Federal Credit Union, with 11 applications, followed by Bank of Oklahoma, NA and Citicorp Trust Bank, FSB.

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Total Number of Mortgage Applications 136
Total Mortgage Loan Application Amount $12,769,000
Average Mortgage Loan Application Amount $93,000
Highest Mortgage Loan Application Amount $452,000
Average Applicant Income $66,000
Highest Applicant Income $424,000

Mortgage Company List for Lending in Major County, OK for 2010

* 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
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 2,122,815,000 11 $ 136,000
Bank of Oklahoma, NA
PO BOX 2300
TULSA, OK 74102
* $ 16,430,404,000 8 $ 996,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 17,832,340,000 8 $ 885,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 8 $ 930,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 721,544,000 7 $ 1,271,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 7 $ 380,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 482,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 462,000
Bank of the West
1977 SATURN STREET MS SC-MPK-03-N
MONTEREY PARK, CA 91755
* $ 60,000,590,000 5 $ 469,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 159,675,538,000 4 $ 704,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 4 $ 271,000
City National Bank and Trust
PO BOX 2009
LAWTON, OK 73502
* $ 277,378,000 4 $ 97,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 509,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 37,922,355,000 3 $ 182,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 3 $ 228,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 3 $ 226,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 679,656,000 3 $ 189,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 2 $ 452,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,817,999,000 2 $ 103,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 324,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 164,340,844,000 2 $ 175,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 511,895,000 2 $ 8,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 115,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 137,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 75,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 96,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 79,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 1 $ 58,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 115,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 109,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 84,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 228,000
Wintrust Mortgage Corporation
660 MIDWEST RD SUITE 100
OAK BROOK TERRACE, IL 60181
* $ 300,000,000 1 $ 200,000
First American Bank
324 W MAIN
PURCELL, OK 73080
* $ 294,681,000 1 $ 86,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 1 $ 35,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,157,711,000 1 $ 90,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 1 $ 71,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 14,106,965,000 1 $ 75,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 26,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ 47,278,000 1 $ 200,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 1 $ 115,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 67,000
Midwest Mortgage Capital, LLC
12400 OLIVE BLVD
SAINT LOUIS, MO 63141
* $ 2,000,000 1 $ 172,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 766,641,000 1 $ 2,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 314,901,000 1 $ 63,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 55,302,902,000 1 $ 72,000
Liberty Federal Savings Bank
401 W BROADWAY
ENID, OK 73701
* $ 168,560,000 1 $ 74,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,726,828,000 1 $ 61,000
Spiritbank
1800 S BALTIMORE AVE STE 600
TULSA, OK 74119
* $ 1,366,040,000 1 $ 244,000
Sooner State Bank
10301 N MAY AVE
OKLAHOMA CITY, OK 73120
* $ 139,063,000 1 $ 452,000

The tables below break down 2010 mortgage applications in Major 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 Major County, OK in 2010

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 70 $8,810,000 $125,000 $452,000 $77,000 $424,000
Home Purchase 48 $3,725,000 $77,000 $244,000 $52,000 $163,000
Home Improvement 18 $234,000 $13,000 $44,000 $58,000 $217,000

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 105 $9,932,000 $94,000 $365,000 $71,000 $424,000
Not applicable 13 $1,716,000 $132,000 $452,000 $43,000 $420,000
Not Provided 11 $774,000 $70,000 $115,000 $59,000 $102,000
Hispanic 5 $243,000 $48,000 $109,000 $41,000 $57,000
Native Hawaiian or Other Pacific Islander 1 $20,000 $20,000 $20,000 $50,000 $50,000
Asian 1 $84,000 $84,000 $84,000 $41,000 $41,000
Black or African American 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 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) 94 $8,815,000 $93,000 $452,000 $74,000 $424,000
FHA-insured (Federal Housing Administration) 30 $3,040,000 $101,000 $228,000 $54,000 $128,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $498,000 $71,000 $109,000 $33,000 $57,000
VA-guaranteed (Veterans Administration) 5 $416,000 $83,000 $111,000 $34,000 $56,000

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
Application Denied By Financial Institution 49 $4,358,000 $88,000 $365,000 $64,000 $172,000
Loan Originated 42 $3,642,000 $86,000 $452,000 $84,000 $424,000
Application Withdrawn By Applicant 22 $2,436,000 $110,000 $244,000 $63,000 $157,000
Loan Purchased By The Institution 17 $1,838,000 $108,000 $228,000 $32,000 $163,000
Application Approved But Not Accepted 5 $428,000 $85,000 $210,000 $73,000 $121,000
File Closed For Incompleteness 1 $67,000 $67,000 $67,000 $0 $0
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 18 $1,436,000 $79,000 $365,000 $57,000 $135,000
Collateral 9 $865,000 $96,000 $226,000 $80,000 $153,000
Credit Application Incomplete 3 $159,000 $53,000 $63,000 $74,000 $94,000
Debt-To-Income Ratio 2 $107,000 $53,000 $102,000 $35,000 $42,000
Mortgage Insurance Denied 1 $306,000 $306,000 $306,000 $172,000 $172,000
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 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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