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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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FIRST BANK & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST BANK & TRUST CO. |
| Address | PO BOX 580
DUNCAN, OK 73534 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 739 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $53,408,000 |
| Average Mortgage Loan Amount Applied For | $101,062 |
| Highest Mortgage Loan Amount Applied For | $850,000 |
| Average Applicant Income | $75,656 |
| Highest Applicant Income | $552,000 |
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| Home Improvement |
182 | $5,032,000 |
$27,000 | $210,000 |
$55,000 | $431,000 |
| Home Purchase |
297 | $27,722,000 |
$93,000 | $850,000 |
$70,000 | $552,000 |
| Refinancing |
268 | $20,916,000 |
$78,000 | $775,000 |
$64,000 | $364,000 |
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| American Indian or Alaskan Native |
16 | $1,045,000 |
$65,000 | $180,000 |
$52,000 | $103,000 |
| Asian |
2 | $249,000 |
$124,000 | $134,000 |
$96,000 | $120,000 |
| Black or African American |
13 | $913,000 |
$70,000 | $320,000 |
$43,000 | $147,000 |
| Hispanic |
11 | $395,000 |
$35,000 | $90,000 |
$36,000 | $62,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $184,000 |
$92,000 | $121,000 |
$78,000 | $93,000 |
| Not applicable |
24 | $4,053,000 |
$168,000 | $775,000 |
$0 | $0 |
| Not Provided |
3 | $321,000 |
$107,000 | $188,000 |
$60,000 | $90,000 |
| White |
676 | $46,510,000 |
$68,000 | $850,000 |
$67,000 | $552,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
722 | $51,516,000 |
$71,000 | $850,000 |
$64,000 | $552,000 |
| FHA-insured (Federal Housing Administration) |
18 | $1,300,000 |
$72,000 | $169,000 |
$49,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
7 | $854,000 |
$122,000 | $230,000 |
$54,000 | $106,000 |
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| Application Approved But Not Accepted |
1 | $152,000 |
$152,000 | $152,000 |
$58,000 | $58,000 |
| Application Denied By Financial Institution |
52 | $3,130,000 |
$60,000 | $450,000 |
$45,000 | $162,000 |
| Application Withdrawn By Applicant |
78 | $9,122,000 |
$116,000 | $850,000 |
$70,000 | $411,000 |
| File Closed For Incompleteness |
14 | $2,610,000 |
$186,000 | $769,000 |
$85,000 | $222,000 |
| Loan Originated |
602 | $38,656,000 |
$64,000 | $816,000 |
$64,000 | $552,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $90,000 |
$90,000 | $90,000 |
$34,000 | $34,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
39 | $1,480,000 |
$37,000 | $132,000 |
$40,000 | $121,000 |
| Debt-To-Income Ratio |
7 | $1,330,000 |
$190,000 | $450,000 |
$64,000 | $127,000 |
| Employment History |
3 | $142,000 |
$47,000 | $107,000 |
$75,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST BANK & TRUST CO. by:
Metropolitan Area And
County
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