Pontotoc County, OK Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,568 mortgage applications in Pontotoc County, OK totaling $178.2 million, up 22% from 2011. The average application was for $113,000, and applicants reported an average income of $84,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was Vision Bank, with 435 applications, followed by First United Bank and Trust Company and Wells Fargo Bank NA.
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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 | 1,568 |
| Total Mortgage Loan Application Amount | $178,157,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $9,999,000 |
* 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 |
|---|---|---|---|---|
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 552,016,000 | 435 | $ 47,158,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,155,000 | 181 | $ 24,965,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 113 | $ 13,074,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 100 | $ 13,788,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,647,148,000 | 96 | $ 3,844,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,675,891,000 | 88 | $ 11,226,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,507,508,000 | 74 | $ 9,023,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 41 | $ 4,356,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 29 | $ 2,099,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 29 | $ 3,364,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 27 | $ 3,560,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 27 | $ 1,856,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 27 | $ 3,751,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 24 | $ 2,766,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,534,000 | 20 | $ 2,507,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 5,407,792,000 | 17 | $ 1,271,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 15 | $ 1,976,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 15 | $ 2,243,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 14 | $ 718,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 11 | $ 1,551,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 1,110,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 10 | $ 1,221,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 9 | $ 902,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 9 | $ 525,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 801,626,000 | 8 | $ 472,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 6 | $ 884,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 6 | $ 839,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 12,527,568,000 | 5 | $ 443,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 696,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 672,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 638,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 381,310,000 | 4 | $ 268,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 235,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 3 | $ 581,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 3 | $ 442,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 3 | $ 341,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 484,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 183,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 307,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 210,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 369,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 181,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 217,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 334,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 147,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 279,000 |
| First Fidelity Bank, NA 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 1,141,933,000 | 2 | $ 152,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 413,191,000 | 2 | $ 142,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 342,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 2 | $ 152,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 77,000 |
| Bank Snb, NA 608 S MAIN STILLWATER, OK 74074 |
* | $ 2,039,239,000 | 1 | $ 90,000 |
| Quail Creek Bank, National Association 12201 N. MAY AVENUE OKLAHOMA CITY, OK 73120 |
* | $ 468,320,000 | 1 | $ 135,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 489,272,000 | 1 | $ 77,000 |
| First Commercial Bank 1601 SOUTH KELLY AVENUE EDMOND, OK 73013 |
* | $ 294,542,000 | 1 | $ 107,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 46,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 85,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 173,615,000 | 1 | $ 195,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 3,079,063,000 | 1 | $ 144,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 101,541,000 | 1 | $ 70,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ 511,358,000 | 1 | $ 102,000 |
| Allegiance Federal Credit Union 4235 N MERIDIAN AVE OKLAHOMA CITY, OK 73112 |
* | $ 223,743,000 | 1 | $ 61,000 |
| McClain Bank 131 W. MAIN STREET PURCELL, OK 73080 |
* | $ 173,108,000 | 1 | $ 247,000 |
| Chickasha Bank & Trust Company 1924 S. 4TH CHICKASHA, OK 73018 |
* | $ 179,858,000 | 1 | $ 989,000 |
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 310,316,000 | 1 | $ 40,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 196,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,842,680,000 | 1 | $ 149,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 829,435,000 | 1 | $ 25,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 1 | $ 218,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 1 | $ 46,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 236,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 132,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 105,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 40,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 1 | $ 160,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 633,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 46,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 9,000 |
The tables below break down 2012 mortgage applications in Pontotoc 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 Pontotoc 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 | 735 | $100,996,000 | $137,000 | $1,440,000 | $99,000 | $9,999,000 |
| Home Purchase | 603 | $67,419,000 | $111,000 | $576,000 | $68,000 | $900,000 |
| Home Improvement | 230 | $9,742,000 | $42,000 | $417,000 | $79,000 | $1,158,000 |
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 | 1,107 | $123,596,000 | $111,000 | $989,000 | $91,000 | $9,999,000 |
| American Indian or Alaskan Native | 182 | $18,434,000 | $101,000 | $332,000 | $64,000 | $317,000 |
| Not applicable | 176 | $25,428,000 | $144,000 | $1,440,000 | $71,000 | $2,776,000 |
| Not Provided | 48 | $5,595,000 | $116,000 | $416,000 | $57,000 | $207,000 |
| Hispanic | 30 | $2,569,000 | $85,000 | $186,000 | $72,000 | $336,000 |
| Black or African American | 12 | $860,000 | $71,000 | $242,000 | $56,000 | $155,000 |
| Asian | 11 | $1,498,000 | $136,000 | $308,000 | $173,000 | $1,158,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $177,000 | $88,000 | $131,000 | $68,000 | $112,000 |
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) | 1,141 | $127,631,000 | $111,000 | $1,440,000 | $98,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 198 | $24,319,000 | $122,000 | $301,000 | $55,000 | $298,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 177 | $18,236,000 | $103,000 | $195,000 | $38,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 52 | $7,971,000 | $153,000 | $331,000 | $58,000 | $149,000 |
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 | 797 | $90,538,000 | $113,000 | $1,440,000 | $87,000 | $2,776,000 |
| Loan Purchased By The Institution | 330 | $40,724,000 | $123,000 | $416,000 | $62,000 | $878,000 |
| Application Denied By Financial Institution | 246 | $24,248,000 | $98,000 | $633,000 | $67,000 | $869,000 |
| Application Withdrawn By Applicant | 108 | $13,447,000 | $124,000 | $657,000 | $174,000 | $9,999,000 |
| Application Approved But Not Accepted | 76 | $8,042,000 | $105,000 | $408,000 | $90,000 | $438,000 |
| File Closed For Incompleteness | 11 | $1,158,000 | $105,000 | $153,000 | $60,000 | $106,000 |
| 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 | 65 | $6,439,000 | $99,000 | $628,000 | $77,000 | $869,000 |
| Debt-To-Income Ratio | 27 | $2,921,000 | $108,000 | $399,000 | $37,000 | $109,000 |
| Collateral | 18 | $2,744,000 | $152,000 | $633,000 | $130,000 | $850,000 |
| Other | 7 | $469,000 | $67,000 | $87,000 | $57,000 | $149,000 |
| Unverifiable Information | 3 | $292,000 | $97,000 | $162,000 | $64,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $143,000 | $70,000 | $74,000 |
| Credit Application Incomplete | 2 | $82,000 | $41,000 | $58,000 | $92,000 | $107,000 |
| Employment History | 1 | $61,000 | $61,000 | $61,000 | $42,000 | $42,000 |
| 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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