Nowata County, OK Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 293 mortgage applications in Nowata County, OK totaling $32.8 million, up 6% from 2019. The average application was for $111,000, and applicants reported an average income of $72,000. 51% of applications resulted in an originated loan and 22% were denied. The most active lender was Arvest Bank, with 62 applications, followed by Regent Bank and Vanderbilt Mortgage and Finance, 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 | 293 |
| Total Mortgage Loan Application Amount | $32,815,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $684,000 |
Top Mortgage Lenders in Nowata County, OK (2020)
Ranked by the number of mortgage applications each lender reported in Nowata County, OK in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Arvest Bank Tulsa, OK |
62 | $5,990,000 | $96,000 | $78,000 |
| 2 | Regent Bank Tulsa, OK |
24 | $2,390,000 | $99,000 | $80,000 |
| 3 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
24 | $2,110,000 | $87,000 | $51,000 |
| 4 | 21st Mortgage Knoxville, TN |
12 | $810,000 | $67,000 | $62,000 |
| 5 | Truity Federal Credit Union Bartlesville, OK |
12 | $2,230,000 | $185,000 | $108,000 |
| 6 | Newrez LLC Fort Washington, PA |
8 | $930,000 | $116,000 | $50,000 |
| 7 | United Fidelity Funding Corp. Jefferson City, MO |
8 | $860,000 | $107,000 | $44,000 |
| 8 | Triad Financial Services, Inc. Jacksonville, FL |
6 | $580,000 | $96,000 | $52,000 |
| 9 | Wells Fargo Bank NA Minneapolis, MN |
6 | $810,000 | $135,000 | $220,000 |
| 10 | Midfirst Bank Oklahoma City, OK |
5 | $345,000 | $69,000 | $0 |
The tables below break down 2020 mortgage applications in Nowata 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 Nowata County, OK in 2020
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 | 152 | $17,400,000 | $114,000 | $465,000 | $61,000 | $283,000 |
| Refinancing | 69 | $7,885,000 | $114,000 | $405,000 | $87,000 | $684,000 |
| Cash-out Refinancing | 36 | $5,170,000 | $143,000 | $365,000 | $100,000 | $217,000 |
| Home Improvement | 19 | $1,175,000 | $61,000 | $245,000 | $61,000 | $138,000 |
| Not Applicable | 9 | $735,000 | $81,000 | $185,000 | $0 | $0 |
| Other Purpose | 8 | $450,000 | $56,000 | $235,000 | $72,000 | $170,000 |
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 | 190 | $21,190,000 | $111,000 | $465,000 | $75,000 | $684,000 |
| American Indian or Alaskan Native | 39 | $4,105,000 | $105,000 | $405,000 | $60,000 | $195,000 |
| Not applicable | 31 | $3,505,000 | $113,000 | $235,000 | $73,000 | $101,000 |
| Not Provided | 16 | $2,040,000 | $127,000 | $385,000 | $82,000 | $283,000 |
| Asian | 5 | $995,000 | $199,000 | $255,000 | $69,000 | $96,000 |
| Hispanic | 5 | $435,000 | $87,000 | $155,000 | $83,000 | $154,000 |
| Black or African American | 4 | $380,000 | $95,000 | $105,000 | $71,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $90,000 | $45,000 | $55,000 | $43,000 | $70,000 |
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) | 196 | $21,450,000 | $109,000 | $465,000 | $79,000 | $684,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,315,000 | $113,000 | $265,000 | $56,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,570,000 | $91,000 | $205,000 | $43,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,480,000 | $158,000 | $395,000 | $65,000 | $101,000 |
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 | 150 | $18,100,000 | $120,000 | $465,000 | $78,000 | $283,000 |
| Application Denied By Financial Institution | 64 | $5,360,000 | $83,000 | $365,000 | $57,000 | $170,000 |
| Loan Purchased By The Institution | 32 | $3,660,000 | $114,000 | $235,000 | $76,000 | $117,000 |
| File Closed For Incompleteness | 20 | $2,180,000 | $109,000 | $255,000 | $57,000 | $114,000 |
| Application Withdrawn By Applicant | 19 | $2,655,000 | $139,000 | $305,000 | $113,000 | $684,000 |
| Application Approved But Not Accepted | 8 | $860,000 | $107,000 | $195,000 | $54,000 | $117,000 |
| 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 | 205 | $24,645,000 | $120,000 | $395,000 | $76,000 | $684,000 |
| Debt-To-Income Ratio | 54 | $6,180,000 | $114,000 | $465,000 | $69,000 | $276,000 |
| Credit History | 20 | $990,000 | $49,000 | $175,000 | $51,000 | $108,000 |
| Collateral | 5 | $375,000 | $75,000 | $115,000 | $94,000 | $170,000 |
| Unverifiable Information | 4 | $220,000 | $55,000 | $65,000 | $63,000 | $121,000 |
| Other | 3 | $265,000 | $88,000 | $145,000 | $68,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $75,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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