In 2015, lenders reported 585 mortgage applications in Pawnee County, OK totaling $57.9 million, up 6% from 2014. The average application was for $99,000, and applicants reported an average income of $59,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was American Heritage Bank, with 86 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.
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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 | 585 |
| Total Mortgage Loan Application Amount | $57,922,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $505,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Heritage Bank PO BOX 1408/2 SOUTH MAIN SAPULPA, OK 74066 |
* | $ 1,028,079,000 | 86 | $ 6,740,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 50 | $ 3,362,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 49 | $ 3,123,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 26 | $ 3,044,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 18 | $ 2,145,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 18 | $ 2,532,000 |
| First National Bank of Pawnee PO BOX 366 PAWNEE, OK 74058 |
* | $ 69,061,000 | 16 | $ 769,000 |
| Blue Sky Bank 3353 E 41ST STREET TULSA, OK 74135 |
* | $ 189,358,000 | 16 | $ 485,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 15 | $ 2,344,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ 662,845,000 | 13 | $ 682,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 1,379,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,944,176,000 | 11 | $ 1,125,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,264,522,000 | 10 | $ 529,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 10 | $ 1,153,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 9 | $ 1,070,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 903,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 1,168,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,557,187,000 | 8 | $ 431,000 |
| Westreet Federal Credit Union 9323 E.21ST STREET TULSA, OK 74129 |
* | $ 668,951,000 | 8 | $ 514,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 6 | $ 1,060,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,545,267,000 | 6 | $ 813,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 5 | $ 797,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 5 | $ 886,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 5 | $ 750,000 |
| Ttcu the Credit Union 3720 E 31ST ST TULSA, OK 74135 |
* | $ 1,517,446,000 | 5 | $ 438,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 465,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 5 | $ 319,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 5 | $ 1,054,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 504,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 4 | $ 553,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 459,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 626,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 4 | $ 411,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 456,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 397,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 3 | $ 342,000 |
| Bank Snb 608 S MAIN STILLWATER, OK 74074 |
* | $ 1,930,320,000 | 3 | $ 558,000 |
| Green Country 202 EAST MORROW ROAD SAND SPRINGS, OK 74063 |
* | $ 51,484,000 | 3 | $ 112,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 3 | $ 134,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 3 | $ 297,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 257,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 2 | $ 173,000 |
| Western Sun Federal Credit Union 4620 W KENOSHA STREET BROKEN ARROW, OK 74012 |
* | $ 135,014,000 | 2 | $ 123,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 108,323,000 | 2 | $ 265,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 2 | $ 352,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 341,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 128,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 319,726,000 | 2 | $ 18,000 |
| Patrons Bank, NA PO BOX 1037 OKMULGEE, OK 74447 |
* | $ 268,089,000 | 2 | $ 94,000 |
| Security State Bank of Oklahoma PO BOX 749 WEWOKA, OK 74884 |
* | $ 167,985,000 | 2 | $ 62,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 404,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 2 | $ 704,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 117,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 269,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 441,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 2 | $ 280,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 372,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,892,151,000 | 2 | $ 33,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 377,710,000 | 2 | $ 244,000 |
| Oklahoma Central Credit Union 4956 SOUTH PEORIA AVENUE 4956 S. PEORIA AVE, OK 74105 |
* | $ 493,392,000 | 2 | $ 91,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 331,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ 12,210,000 | 1 | $ 133,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 50,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 75,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Avb Bank 302 SOUTH MAIN BROKEN ARROW, OK 74012 |
* | $ 275,896,000 | 1 | $ 4,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 667,677,000 | 1 | $ 2,000 |
| First Bank & Trust Company PO BOX 427 WAGONER, OK 74477 |
* | $ 274,115,000 | 1 | $ 440,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,448,393,000 | 1 | $ 117,000 |
| Red Crown Federal Credit Union 5001 E 91ST ST TULSA, OK 74137 |
* | $ 153,743,000 | 1 | $ 190,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 987,143,000 | 1 | $ 36,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 224,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 206,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 257,892,000 | 1 | $ 68,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 110,000 |
| Security America Mortgage, Inc. 7514 SHADYVILLA LN, STE A HOUSTON, TX 77055 |
* | $ 50,984,000 | 1 | $ 265,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 23,881,169,000 | 1 | $ 188,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 6,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 466,329,000 | 1 | $ 123,000 |
| First National Bank of Oklahoma 10900 HEFNER POINTE DRIVE OKLAHOMA CITY, OK 73120 |
* | $ 326,575,000 | 1 | $ 267,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 163,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 109,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 97,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 48,000 |
| The First National Bank and Trust Company of Broken Arrow 121 SOUTH MAIN STEET BROKEN ARROW, OK 74012 |
* | $ 187,682,000 | 1 | $ 265,000 |
| First National Bank of Hutchinson, the PO BOX 913 HUTCHINSON, KS 67504 |
* | $ 621,131,000 | 1 | $ 47,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 265,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 18,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 468,741,000 | 1 | $ 91,000 |
| Central Bank of Oklahoma 8908 S YALE, STE 100 TULSA, OK 74137 |
* | $ 630,895,000 | 1 | $ 345,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 119,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 88,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 86,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,629,251,000 | 1 | $ 89,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 256,709,000 | 1 | $ 138,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 133,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 70,000 |
The tables below break down 2015 mortgage applications in Pawnee 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 | 300 | $32,334,000 | $107,000 | $600,000 | $54,000 | $242,000 |
| Refinancing | 186 | $21,727,000 | $116,000 | $345,000 | $66,000 | $505,000 |
| Home Improvement | 99 | $3,861,000 | $39,000 | $250,000 | $58,000 | $284,000 |
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 | 450 | $45,119,000 | $100,000 | $450,000 | $65,000 | $505,000 |
| Not applicable | 47 | $5,749,000 | $122,000 | $345,000 | $7,000 | $78,000 |
| American Indian or Alaskan Native | 44 | $3,269,000 | $74,000 | $275,000 | $50,000 | $121,000 |
| Not Provided | 27 | $2,570,000 | $95,000 | $600,000 | $49,000 | $168,000 |
| Hispanic | 10 | $850,000 | $85,000 | $161,000 | $62,000 | $137,000 |
| Black or African American | 5 | $316,000 | $63,000 | $205,000 | $54,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $30,000 | $30,000 | $30,000 | $54,000 | $54,000 |
| Asian | 1 | $19,000 | $19,000 | $19,000 | $72,000 | $72,000 |
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) | 406 | $35,042,000 | $86,000 | $600,000 | $64,000 | $505,000 |
| FHA-insured (Federal Housing Administration) | 95 | $11,080,000 | $116,000 | $271,000 | $46,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 51 | $7,929,000 | $155,000 | $351,000 | $56,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $3,871,000 | $117,000 | $165,000 | $28,000 | $70,000 |
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 | 254 | $26,091,000 | $102,000 | $600,000 | $70,000 | $505,000 |
| Application Denied By Financial Institution | 172 | $14,872,000 | $86,000 | $295,000 | $51,000 | $242,000 |
| Loan Purchased By The Institution | 65 | $7,655,000 | $117,000 | $271,000 | $29,000 | $203,000 |
| Application Withdrawn By Applicant | 45 | $4,779,000 | $106,000 | $305,000 | $63,000 | $167,000 |
| File Closed For Incompleteness | 33 | $2,633,000 | $79,000 | $233,000 | $54,000 | $137,000 |
| Application Approved But Not Accepted | 16 | $1,892,000 | $118,000 | $440,000 | $79,000 | $284,000 |
| 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 | 27 | $1,974,000 | $73,000 | $268,000 | $50,000 | $134,000 |
| Debt-To-Income Ratio | 18 | $1,889,000 | $104,000 | $270,000 | $50,000 | $193,000 |
| Collateral | 12 | $1,064,000 | $88,000 | $152,000 | $57,000 | $130,000 |
| Credit Application Incomplete | 6 | $832,000 | $138,000 | $265,000 | $72,000 | $168,000 |
| Other | 6 | $486,000 | $81,000 | $268,000 | $87,000 | $140,000 |
| Unverifiable Information | 3 | $177,000 | $59,000 | $64,000 | $40,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $270,000 | $90,000 | $129,000 | $20,000 | $39,000 |
| Employment History | 2 | $172,000 | $86,000 | $90,000 | $50,000 | $78,000 |
| 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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