Seminole County, OK Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 514 mortgage applications in Seminole County, OK totaling $44.5 million, down 14% from 2013. The average application was for $86,000, and applicants reported an average income of $64,000. 50% of applications resulted in an originated loan and 23% were denied. The most active lender was Bancfirst, with 93 applications, followed by Security State Bank of Oklahoma and First United Bank and Trust Company.
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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 | 514 |
| Total Mortgage Loan Application Amount | $44,496,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $1,760,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,020,000 |
Top Mortgage Lenders in Seminole County, OK (2014)
Ranked by the number of mortgage applications each lender reported in Seminole County, OK in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bancfirst Oklahoma City, OK |
93 | $7,212,000 | $77,000 | $63,000 |
| 2 | Security State Bank of Oklahoma Wewoka, OK |
52 | $3,285,000 | $63,000 | $71,000 |
| 3 | First United Bank and Trust Company Durant, OK |
48 | $4,790,000 | $99,000 | $67,000 |
| 4 | Vision Bank Ada, OK |
35 | $3,217,000 | $91,000 | $80,000 |
| 5 | Tinker Federal Credit Union Oklahoma City, OK |
29 | $741,000 | $25,000 | $55,000 |
| 6 | 21st Mortgage Knoxville, TN |
28 | $1,586,000 | $56,000 | $52,000 |
| 7 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
17 | $1,028,000 | $60,000 | $53,000 |
| 8 | Wells Fargo Bank NA Minneapolis, MN |
14 | $1,851,000 | $132,000 | $51,000 |
| 9 | Arvest Mortgage Company Lowell, AR |
13 | $1,165,000 | $89,000 | $71,000 |
| 10 | Bank of the West San Francisco, CA |
11 | $1,216,000 | $110,000 | $92,000 |
The tables below break down 2014 mortgage applications in Seminole 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 Seminole County, OK in 2014
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 | 242 | $21,203,000 | $87,000 | $342,000 | $54,000 | $275,000 |
| Refinancing | 170 | $21,299,000 | $125,000 | $1,760,000 | $75,000 | $566,000 |
| Home Improvement | 102 | $1,994,000 | $19,000 | $100,000 | $68,000 | $1,020,000 |
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 | 366 | $28,363,000 | $77,000 | $784,000 | $70,000 | $1,020,000 |
| American Indian or Alaskan Native | 61 | $5,848,000 | $95,000 | $342,000 | $59,000 | $152,000 |
| Not applicable | 32 | $5,909,000 | $184,000 | $1,760,000 | $7,000 | $106,000 |
| Black or African American | 25 | $1,830,000 | $73,000 | $225,000 | $55,000 | $137,000 |
| Not Provided | 20 | $2,111,000 | $105,000 | $417,000 | $81,000 | $313,000 |
| Hispanic | 10 | $435,000 | $43,000 | $78,000 | $30,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 394 | $30,694,000 | $77,000 | $1,760,000 | $68,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 62 | $7,007,000 | $113,000 | $272,000 | $54,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 32 | $4,422,000 | $138,000 | $400,000 | $53,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,373,000 | $91,000 | $151,000 | $34,000 | $137,000 |
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 | 257 | $22,184,000 | $86,000 | $1,760,000 | $72,000 | $1,020,000 |
| Application Denied By Financial Institution | 117 | $9,112,000 | $77,000 | $784,000 | $54,000 | $183,000 |
| Loan Purchased By The Institution | 48 | $5,080,000 | $105,000 | $214,000 | $41,000 | $314,000 |
| Application Withdrawn By Applicant | 42 | $3,786,000 | $90,000 | $417,000 | $66,000 | $313,000 |
| Application Approved But Not Accepted | 38 | $2,782,000 | $73,000 | $234,000 | $60,000 | $152,000 |
| File Closed For Incompleteness | 12 | $1,552,000 | $129,000 | $365,000 | $78,000 | $231,000 |
| 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 | 21 | $1,600,000 | $76,000 | $331,000 | $60,000 | $150,000 |
| Debt-To-Income Ratio | 15 | $1,998,000 | $133,000 | $784,000 | $70,000 | $183,000 |
| Collateral | 3 | $135,000 | $45,000 | $60,000 | $56,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $286,000 | $143,000 | $178,000 | $98,000 | $141,000 |
| Other | 2 | $278,000 | $139,000 | $201,000 | $59,000 | $79,000 |
| Unverifiable Information | 2 | $191,000 | $95,000 | $171,000 | $90,000 | $102,000 |
| Credit Application Incomplete | 1 | $77,000 | $77,000 | $77,000 | $28,000 | $28,000 |
| Employment History | 1 | $42,000 | $42,000 | $42,000 | $19,000 | $19,000 |
| 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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