Osage County, OK Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,957 mortgage applications in Osage County, OK totaling $229.6 million, up 13% from 2011. The average application was for $117,000, and applicants reported an average income of $69,000. 49% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 207 applications, followed by Bokf NA and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 1,957
Total Mortgage Loan Application Amount $229,555,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $1,244,000
Average Applicant Income $69,000
Highest Applicant Income $3,088,000

Mortgage Company List for Lending in Osage County, OK for 2012

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 207 $ 29,138,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 25,359,999,000 203 $ 24,376,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 117 $ 13,426,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 106 $ 14,705,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 90 $ 5,197,000
Arvest Bank

TULSA, OK 74103
* $ 12,527,568,000 66 $ 2,013,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 61 $ 9,160,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 1,997,585,000 58 $ 5,192,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 12,527,568,000 48 $ 6,935,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 43 $ 2,315,000
Osage Federal Bank
PO BOX 26
PAWHUSKA, OK 74056
* $ 154,284,000 42 $ 4,182,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 38 $ 4,098,000
The Exchange Bank
300 WEST ROGERS BLVD
SKIATOOK, OK 74070
* $ 91,566,000 37 $ 2,780,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 37 $ 4,009,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,060,155,000 32 $ 5,496,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 28 $ 3,881,000
Westreet Federal Credit Union
9323 E.21ST STREET
TULSA, OK 74129
* $ 600,363,000 26 $ 3,626,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 5,407,792,000 23 $ 1,919,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 22 $ 3,044,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ 5,500,000 22 $ 3,277,000
First National Bank of Oklahoma
10900 HEFNER POINTE DRIVE
OKLAHOMA CITY, OK 73120
* $ 260,075,000 20 $ 990,000
Ttcu the Credit Union
3720 E 31ST ST
TULSA, OK 74135
* $ 1,105,350,000 20 $ 2,568,000
First National Bank in Hominy
PO BOX 8
HOMINY, OK 74035
* $ 40,802,000 18 $ 566,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 17 $ 2,562,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 16 $ 2,271,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 15 $ 1,579,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 446,000,000 15 $ 1,388,000
The Cleveland Bank
PO BOX 8
CLEVELAND, OK 74020
* $ 60,336,000 15 $ 834,000
American Heritage Bank
PO BOX 1408/2 SOUTH MAIN
SAPULPA, OK 74066
* $ 752,549,000 15 $ 1,117,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 601,825,000 15 $ 2,547,000
F&M Bank & Trust
1330 S. HARVARD
TULSA, OK 74104
* $ 2,013,335,000 14 $ 2,919,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 14 $ 1,331,000
Blue Sky Bank
3353 E 41ST STREET
TULSA, OK 74135
* $ 154,355,000 13 $ 360,000
Oklahoma Capital Bank
6555 N PEORIA
TULSA, OK 74126
* $ 41,169,000 13 $ 948,000
First State Bank
308 N MAIN ST
FAIRFAX, OK 74637
* $ 43,258,000 12 $ 635,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,912,333,000 12 $ 1,245,000
Spiritbank
1800 S BALTIMORE AVE STE 600
TULSA, OK 74119
* $ 1,250,584,000 12 $ 1,936,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 10 $ 1,635,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 10 $ 1,294,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 9 $ 1,865,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 9 $ 1,490,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 9 $ 1,291,000
Armstrong Bank
1111 W BROADWAY
MUSKOGEE, OK 74401
* $ 579,739,000 9 $ 673,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 2,647,148,000 8 $ 154,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 8 $ 1,282,000
City National Bank and Trust
PO BOX 2009
LAWTON, OK 73502
* $ 284,101,000 8 $ 327,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 7 $ 1,052,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 7 $ 794,000
Onb Bank and Trust Company
8908 S YALE STE 100
TULSA, OK 74137
* $ 607,600,000 7 $ 1,344,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 7 $ 1,260,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 7 $ 62,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 6 $ 525,000
American Bank of Oklahoma
200 E MAIN, P.O. BOX 66
COLLINSVILLE, OK 74021
* $ 140,648,000 6 $ 767,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 101,534,000 6 $ 879,000
Red Crown Federal Credit Union
5001 E 91ST ST
TULSA, OK 74137
* $ 131,098,000 6 $ 1,049,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 6 $ 678,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 6 $ 1,108,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 6 $ 329,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 5 $ 628,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 11,676,671,000 5 $ 673,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 5 $ 879,000
The Lending Partners, LLC
5560 TENNYSON PARKWAY, STE. 201
PLANO, TX 75024
* $ 10,000,000 5 $ 1,010,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 601,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 829,435,000 5 $ 199,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 5 $ 664,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 5 $ 778,000
Green Country
202 EAST MORROW ROAD
SAND SPRINGS, OK 74063
* $ 43,778,000 5 $ 373,000
Energy One Federal Credit Union
6100 S YALE AVE, SUITE 100
TULSA, OK 74136
* $ 191,371,000 5 $ 477,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 5 $ 611,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 315,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 4 $ 640,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 442,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 4 $ 618,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 3 $ 387,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 396,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 223,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 3 $ 521,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 795,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 495,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 3 $ 580,000
Bank of the Lakes NA
12401 E 86TH ST N
OWASSO, OK 74055
* $ 195,583,000 3 $ 312,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,163,507,000 3 $ 395,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 3 $ 404,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 381,310,000 2 $ 70,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,580,221,000 2 $ 360,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 2 $ 222,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 128,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 288,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 247,090,000 2 $ 162,000
Tulsa National Bank
7120 S LEWIS AVENUE
TULSA, OK 74136
* $ 175,285,000 2 $ 306,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 2 $ 202,000
United Bank
2600 SOUTH THOMPSON
SPRINGDALE, AR 72764
* $ 170,182,000 2 $ 338,000
Summit Bank
5314 S YALE SUITE 100
TULSA, OK 74135
* $ 219,588,000 2 $ 2,384,000
First Oklahoma Mortgage, LLC
100 S RIVERFRONT DR
JENKS, OK 74037
* $ 216,488,000 2 $ 281,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 550,790,000 2 $ 166,000
Vast Bank, N.A.
4812 E 81ST STREET
TULSA, OK 74120
* $ 219,674,000 2 $ 282,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 801,626,000 2 $ 220,000
Regent Bank
105 N MAPLE
TULSA, OK 74136
* $ 164,117,000 2 $ 461,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 2 $ 282,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 2 $ 58,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 365,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 253,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 2 $ 360,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 180,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 340,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 2 $ 133,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 146,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 94,000
The First National Bank and Trust Company of Broken Arrow
121 SOUTH MAIN STEET
BROKEN ARROW, OK 74012
* $ 181,728,000 1 $ 280,000
Premia Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,779,509,000 1 $ 209,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 320,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 1 $ 211,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 1 $ 68,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 20,493,569,000 1 $ 155,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 12,990,345,000 1 $ 84,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 132,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 205,000
Dsld Mortgage LLC

BATON ROUGE, LA 70809
* $ 222,000 1 $ 111,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 118,000
Perl Mortgage, Inc.
2936 WEST BELMONT AVE
CHICAGO, IL 60618
* $ 11,000,000 1 $ 138,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 205,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 185,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 173,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 152,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 111,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 95,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 1 $ 119,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 1 $ 137,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 78,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 187,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 417,000
Western Sun Federal Credit Union
4620 W KENOSHA STREET
BROKEN ARROW, OK 74012
* $ 112,332,000 1 $ 19,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 1,344,283,000 1 $ 274,000
The Focus Federal Credit Union
420 NE 10TH ST
OKLAHOMA CITY, OK 73104
* $ 85,339,000 1 $ 180,000
First American Bank
324 W MAIN
PURCELL, OK 73080
* $ 310,316,000 1 $ 68,000
Security Bank
10727 E 51ST STREET
TULSA, OK 74146
* $ 399,910,000 1 $ 36,000
First Bank of Owasso
PO BOX 1800
OWASSO, OK 74055
* $ 204,438,000 1 $ 20,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,621,944,000 1 $ 57,000
American Bank and Trust Co
P.O. BOX 3339
TULSA, OK 74101
* $ 169,128,000 1 $ 3,000
Cornerstone Bank, the
117 N. MAIN
SOUTHWEST CITY, MO 64863
* $ 128,707,000 1 $ 45,000
First Oklahoma Bank
PO BOX 1370
JENKS, OK 74037
* $ 160,220,000 1 $ 55,000
Triad Bank, N.A.
7666 E. 61ST STEET, SUITE 150
TULSA, OK 74153
* $ 148,814,000 1 $ 119,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 131,079,000 1 $ 112,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,788,680,000 1 $ 64,000
Southern Missouri Bank of Marshfield
PO BOX M 1292 BANNING ST
MARSHFIELD, MO 65706
* $ 102,032,000 1 $ 180,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 235,000
Hometown Bank, National Association
PO BOX 797
CARTHAGE, MO 64836
* $ 182,716,000 1 $ 213,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 243,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 208,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 25,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 1 $ 262,000
Viewpoint Bankers Mortgage Inc
720 E. ARAPAHO
RICHARDSON, TX 75081
* $ 1,529,760,000 1 $ 366,000
Mabrey Bank
P O BOX 130
BIXBY, OK 74008
* $ 637,234,000 1 $ 50,000
Citizens Bank of Edmond
1 E. 1ST STREET
EDMOND, OK 73034
* $ 261,533,000 1 $ 57,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 1 $ 137,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 178,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 255,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ 1,300,000 1 $ 88,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 53,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 156,000

The tables below break down 2012 mortgage applications in Osage 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 Osage County, OK in 2012

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 982 $130,489,000 $132,000 $1,244,000 $74,000 $1,726,000
Home Purchase 802 $93,118,000 $116,000 $1,140,000 $65,000 $3,088,000
Home Improvement 173 $5,948,000 $34,000 $300,000 $60,000 $210,000

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 1,293 $162,070,000 $125,000 $1,244,000 $77,000 $3,088,000
American Indian or Alaskan Native 221 $25,045,000 $113,000 $405,000 $71,000 $852,000
Black or African American 164 $14,005,000 $85,000 $303,000 $50,000 $210,000
Not Provided 131 $12,113,000 $92,000 $453,000 $57,000 $352,000
Not applicable 109 $12,441,000 $114,000 $465,000 $19,000 $261,000
Hispanic 30 $2,805,000 $93,000 $241,000 $44,000 $129,000
Asian 6 $536,000 $89,000 $251,000 $80,000 $177,000
Native Hawaiian or Other Pacific Islander 3 $540,000 $180,000 $201,000 $86,000 $117,000

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) 1,294 $145,035,000 $112,000 $1,244,000 $79,000 $3,088,000
FHA-insured (Federal Housing Administration) 421 $52,175,000 $123,000 $303,000 $54,000 $852,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 133 $15,213,000 $114,000 $260,000 $38,000 $90,000
VA-guaranteed (Veterans Administration) 109 $17,132,000 $157,000 $456,000 $51,000 $161,000

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 958 $119,557,000 $124,000 $1,244,000 $79,000 $3,088,000
Application Denied By Financial Institution 378 $34,281,000 $90,000 $500,000 $61,000 $1,726,000
Loan Purchased By The Institution 323 $44,503,000 $137,000 $417,000 $56,000 $371,000
Application Withdrawn By Applicant 133 $16,841,000 $126,000 $370,000 $76,000 $870,000
Application Approved But Not Accepted 125 $10,175,000 $81,000 $274,000 $56,000 $250,000
File Closed For Incompleteness 40 $4,198,000 $104,000 $235,000 $51,000 $126,000
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 97 $7,233,000 $74,000 $500,000 $64,000 $222,000
Debt-To-Income Ratio 51 $4,958,000 $97,000 $428,000 $34,000 $95,000
Collateral 48 $6,392,000 $133,000 $417,000 $78,000 $256,000
Other 17 $1,465,000 $86,000 $215,000 $72,000 $246,000
Credit Application Incomplete 16 $2,118,000 $132,000 $270,000 $67,000 $141,000
Insufficient Cash (Downpayment, Closing Cost) 7 $881,000 $125,000 $190,000 $81,000 $212,000
Employment History 5 $425,000 $85,000 $238,000 $101,000 $197,000
Unverifiable Information 3 $206,000 $68,000 $80,000 $82,000 $125,000
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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