Stephens County, OK Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,976 mortgage applications in Stephens County, OK totaling $189.8 million, down 6% from 2012. The average application was for $96,000, and applicants reported an average income of $68,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was Bancfirst, with 351 applications, followed by First Bank and Trust Co 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 | 1,976 |
| Total Mortgage Loan Application Amount | $189,782,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,242,000 |
* 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 |
|---|---|---|---|---|
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,004,568,000 | 351 | $ 26,107,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 531,984,000 | 250 | $ 20,345,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 149 | $ 16,612,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 13,199,987,000 | 147 | $ 15,618,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 84 | $ 7,610,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 13,199,987,000 | 61 | $ 3,112,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 53 | $ 3,523,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 51 | $ 8,033,000 |
| Legacy Bank 101 W MAIN HINTON, OK 73047 |
* | $ 495,074,000 | 49 | $ 4,929,000 |
| Halliburton Employees Federal Credit Union 703 SOUTH 9TH STREET DUNCAN, OK 73533 |
* | $ 123,032,000 | 41 | $ 2,117,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 37 | $ 4,016,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 35 | $ 4,174,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 29 | $ 3,018,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 29 | $ 1,835,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 25 | $ 1,209,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 24 | $ 2,510,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 23 | $ 2,289,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 23 | $ 2,659,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 20 | $ 1,998,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 19 | $ 3,163,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 17 | $ 2,191,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 17 | $ 2,298,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 17 | $ 1,785,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 16 | $ 1,751,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,836,378,000 | 16 | $ 1,062,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 15 | $ 1,827,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 14 | $ 1,699,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 14 | $ 2,328,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 13 | $ 1,797,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 13 | $ 1,555,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 336,863,000 | 13 | $ 648,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 888,000 |
| Bank of the Wichitas Mortgage 1801 NW CACHE RD LAWTON, OK 73507 |
* | $ 81,889,000 | 11 | $ 1,738,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 11 | $ 1,469,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 9 | $ 834,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,941,572,000 | 8 | $ 389,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 8 | $ 946,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 682,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 760,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 835,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 988,419,000 | 8 | $ 850,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 7 | $ 439,000 |
| Liberty National Bank 629 SW C AVE LAWTON, OK 73501 |
* | $ 246,660,000 | 7 | $ 442,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 7 | $ 931,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 7 | $ 893,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 6 | $ 709,000 |
| American National Bank BOX 5009 ARDMORE, OK 73403 |
* | $ 311,590,000 | 6 | $ 435,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 412,246,000 | 6 | $ 163,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,236,657,000 | 6 | $ 913,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 6 | $ 664,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 464,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 5 | $ 348,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 5 | $ 428,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 4 | $ 297,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 4 | $ 557,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 4 | $ 475,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 4 | $ 706,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 3 | $ 327,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 389,000 |
| Southwest Oklahoma Federal Credit Union 1806 NW LIBERTY AVE LAWTON, OK 73507 |
* | $ 85,652,000 | 3 | $ 445,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 352,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 3 | $ 725,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 293,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,634,000 | 3 | $ 314,000 |
| Legacy Cdc, LLC 101 W MAIN HINTON, OK 73047 |
* | $ 495,699,000 | 2 | $ 86,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 192,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 2 | $ 106,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 2 | $ 82,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 307,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 635,520,000 | 2 | $ 24,000 |
| Premia Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,779,509,000 | 2 | $ 360,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,751,541,000 | 2 | $ 138,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 189,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 2 | $ 283,000 |
| Washita Mortgage Inc. 1207 WEST GRAND CHICKASHA, OK 73018 |
* | $ 187,049,000 | 2 | $ 303,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 2 | $ 385,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 54,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 82,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 641,118,000 | 1 | $ 96,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 850,646,000 | 1 | $ 234,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 50,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 129,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,893,429,000 | 1 | $ 820,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 368,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,953,615,000 | 1 | $ 78,000 |
| Bank of Commerce P.O. BOX 851520 YUKON, OK 73085 |
* | $ 184,097,000 | 1 | $ 45,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,878,279,000 | 1 | $ 31,000 |
| Fort Sill Federal Credit Union PO BOX 1527 LAWTON, OK 73502 |
* | $ 239,875,000 | 1 | $ 104,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 374,075,000 | 1 | $ 125,000 |
| First Fidelity Bank, NA 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 1,194,226,000 | 1 | $ 115,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,678,270,000 | 1 | $ 42,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 104,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 1 | $ 333,000 |
| First Financial Services, Inc. 6230 FAIRVIEW RD, 450 CHARLOTTE, NC 28210 |
* | $ 842,786,000 | 1 | $ 174,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 282,706,000 | 1 | $ 24,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 226,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 113,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 101,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 70,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 163,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 118,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 112,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 34,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 58,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 880,644,000 | 1 | $ 131,000 |
| Crossfirst Bank CHAMPAIGN, IL 61820 |
* | $ 560,582,000 | 1 | $ 777,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 99,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 112,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 295,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,595,673,000 | 1 | $ 98,000 |
| Metropolitan National Bank 425 W. CAPITOL LITTLE ROCK, AR 72203 |
* | $ 1,048,403,000 | 1 | $ 102,000 |
| First Oklahoma Mortgage, LLC 100 S RIVERFRONT DR JENKS, OK 74037 |
* | $ 216,488,000 | 1 | $ 131,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 328,000 |
| F&M Bank & Trust 1330 S. HARVARD TULSA, OK 74104 |
* | $ 2,309,312,000 | 1 | $ 176,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 1 | $ 170,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 180,000 |
The tables below break down 2013 mortgage applications in Stephens 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 Stephens County, OK in 2013
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 | 906 | $92,449,000 | $102,000 | $2,100,000 | $71,000 | $942,000 |
| Home Purchase | 869 | $90,190,000 | $103,000 | $959,000 | $66,000 | $1,242,000 |
| Home Improvement | 201 | $7,143,000 | $35,000 | $324,000 | $65,000 | $656,000 |
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 | 1,599 | $150,450,000 | $94,000 | $959,000 | $74,000 | $1,242,000 |
| Not applicable | 142 | $18,801,000 | $132,000 | $2,100,000 | $7,000 | $118,000 |
| Not Provided | 79 | $6,562,000 | $83,000 | $266,000 | $81,000 | $576,000 |
| Hispanic | 76 | $6,418,000 | $84,000 | $400,000 | $63,000 | $339,000 |
| American Indian or Alaskan Native | 55 | $5,378,000 | $97,000 | $346,000 | $56,000 | $336,000 |
| Asian | 14 | $1,126,000 | $80,000 | $212,000 | $47,000 | $103,000 |
| Black or African American | 11 | $1,047,000 | $95,000 | $255,000 | $43,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,418 | $129,741,000 | $91,000 | $2,100,000 | $76,000 | $1,242,000 |
| FHA-insured (Federal Housing Administration) | 338 | $33,522,000 | $99,000 | $245,000 | $47,000 | $376,000 |
| VA-guaranteed (Veterans Administration) | 152 | $20,387,000 | $134,000 | $403,000 | $52,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $6,132,000 | $90,000 | $219,000 | $40,000 | $73,000 |
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 | 1,133 | $103,632,000 | $91,000 | $959,000 | $74,000 | $1,242,000 |
| Application Denied By Financial Institution | 314 | $29,736,000 | $94,000 | $2,100,000 | $57,000 | $600,000 |
| Loan Purchased By The Institution | 269 | $31,531,000 | $117,000 | $400,000 | $50,000 | $376,000 |
| Application Withdrawn By Applicant | 111 | $12,671,000 | $114,000 | $2,100,000 | $83,000 | $656,000 |
| Application Approved But Not Accepted | 91 | $7,439,000 | $81,000 | $352,000 | $61,000 | $210,000 |
| File Closed For Incompleteness | 57 | $4,695,000 | $82,000 | $336,000 | $79,000 | $254,000 |
| Preapproval Denied by Financial Institution | 1 | $78,000 | $78,000 | $78,000 | $73,000 | $73,000 |
| Preapproval Approved but not Accepted | 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 | 64 | $4,047,000 | $63,000 | $295,000 | $48,000 | $150,000 |
| Collateral | 22 | $2,999,000 | $136,000 | $504,000 | $98,000 | $253,000 |
| Debt-To-Income Ratio | 20 | $3,213,000 | $160,000 | $820,000 | $35,000 | $137,000 |
| Credit Application Incomplete | 15 | $1,227,000 | $81,000 | $200,000 | $70,000 | $130,000 |
| Other | 9 | $2,664,000 | $296,000 | $2,100,000 | $48,000 | $136,000 |
| Unverifiable Information | 9 | $910,000 | $101,000 | $174,000 | $81,000 | $230,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $866,000 | $123,000 | $200,000 | $56,000 | $189,000 |
| Employment History | 4 | $318,000 | $79,000 | $144,000 | $38,000 | $94,000 |
| 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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