In 2012, lenders reported 289 mortgage applications in Noble County, OK totaling $31.6 million, up 23% from 2011. The average application was for $109,000, and applicants reported an average income of $61,000. 39% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 38 applications, followed by JPMorgan Chase Bank, NA and Mortgage Clearing Corporation.
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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 | $31,566,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $440,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $695,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 38 | $ 5,115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 31 | $ 2,672,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 23 | $ 3,542,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 5,407,792,000 | 14 | $ 1,525,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 14 | $ 1,892,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,647,148,000 | 13 | $ 276,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 13 | $ 1,244,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 662,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 8 | $ 682,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 677,000 |
| Bank Snb, NA 608 S MAIN STILLWATER, OK 74074 |
* | $ 2,039,239,000 | 7 | $ 703,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 1,250,584,000 | 6 | $ 680,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 371,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 461,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 5 | $ 1,517,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,155,000 | 5 | $ 823,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 4 | $ 512,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 4 | $ 313,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 1,997,585,000 | 3 | $ 198,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 315,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 272,000 |
| First National Bank of Oklahoma 10900 HEFNER POINTE DRIVE OKLAHOMA CITY, OK 73120 |
* | $ 260,075,000 | 3 | $ 259,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 3 | $ 213,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 381,310,000 | 3 | $ 185,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 294,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 289,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 454,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 2 | $ 202,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 431,000 |
| The Bank of Union 2000 S. COUNTRY CLUB RD. EL RENO, OK 73036 |
* | $ 381,170,000 | 2 | $ 216,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 16,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,842,680,000 | 2 | $ 246,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 2 | $ 168,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,534,000 | 1 | $ 80,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 159,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 78,000 |
| First Fidelity Bank, NA 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 1,141,933,000 | 1 | $ 138,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 413,191,000 | 1 | $ 159,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 131,079,000 | 1 | $ 70,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 1 | $ 69,000 |
| Onb Bank and Trust Company 8908 S YALE STE 100 TULSA, OK 74137 |
* | $ 607,600,000 | 1 | $ 100,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 212,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 102,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 122,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 159,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 172,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 272,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 80,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 67,000 |
| First American Mortgage, Inc. 1501 S. RANCHWOOD BLVD. YUKON, OK 73099 |
* | $ 1,749,000 | 1 | $ 65,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 132,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 143,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 237,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 106,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 12,527,568,000 | 1 | $ 10,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 122,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 78,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 68,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 87,000 |
| First National Bank of Pawnee PO BOX 366 PAWNEE, OK 74058 |
* | $ 66,160,000 | 1 | $ 48,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 80,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 69,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 86,000 |
The tables below break down 2012 mortgage applications in Noble County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 134 | $15,483,000 | $115,000 | $315,000 | $57,000 | $218,000 |
| Refinancing | 126 | $15,345,000 | $121,000 | $440,000 | $67,000 | $695,000 |
| Home Improvement | 29 | $738,000 | $25,000 | $108,000 | $57,000 | $106,000 |
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 | 221 | $24,682,000 | $111,000 | $440,000 | $69,000 | $695,000 |
| Not applicable | 28 | $3,165,000 | $113,000 | $363,000 | $6,000 | $63,000 |
| Not Provided | 23 | $2,312,000 | $100,000 | $227,000 | $50,000 | $145,000 |
| American Indian or Alaskan Native | 13 | $917,000 | $70,000 | $172,000 | $61,000 | $153,000 |
| Asian | 2 | $216,000 | $108,000 | $142,000 | $70,000 | $140,000 |
| Black or African American | 1 | $227,000 | $227,000 | $227,000 | $52,000 | $52,000 |
| Hispanic | 1 | $47,000 | $47,000 | $47,000 | $31,000 | $31,000 |
| 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) | 183 | $20,055,000 | $109,000 | $440,000 | $69,000 | $695,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,436,000 | $115,000 | $268,000 | $52,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,563,000 | $91,000 | $227,000 | $38,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,512,000 | $125,000 | $363,000 | $54,000 | $293,000 |
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 | 112 | $12,217,000 | $109,000 | $440,000 | $69,000 | $695,000 |
| Loan Purchased By The Institution | 91 | $11,111,000 | $122,000 | $363,000 | $44,000 | $218,000 |
| Application Denied By Financial Institution | 48 | $4,368,000 | $91,000 | $440,000 | $62,000 | $264,000 |
| Application Withdrawn By Applicant | 18 | $2,118,000 | $117,000 | $229,000 | $85,000 | $180,000 |
| Application Approved But Not Accepted | 16 | $1,359,000 | $84,000 | $268,000 | $76,000 | $192,000 |
| File Closed For Incompleteness | 4 | $393,000 | $98,000 | $122,000 | $66,000 | $111,000 |
| 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 | 10 | $437,000 | $43,000 | $119,000 | $52,000 | $106,000 |
| Collateral | 7 | $691,000 | $98,000 | $228,000 | $99,000 | $165,000 |
| Credit Application Incomplete | 4 | $1,112,000 | $278,000 | $440,000 | $95,000 | $100,000 |
| Debt-To-Income Ratio | 3 | $123,000 | $41,000 | $107,000 | $42,000 | $63,000 |
| Employment History | 1 | $88,000 | $88,000 | $88,000 | $37,000 | $37,000 |
| Other | 1 | $77,000 | $77,000 | $77,000 | $51,000 | $51,000 |
| Unverifiable Information | 1 | $47,000 | $47,000 | $47,000 | $55,000 | $55,000 |
| 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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