First Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, First Bank & Trust Company of Perry, OK reported 74 mortgage applications totaling $6.8 million, down 51% from 2017. The average application was for $91,756, and applicants reported an average income of $75,108. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Enid, OK (16), Oklahoma City, OK (4) and Fort Smith, AR-OK (3) (applications in parentheses).
| Mortgage Company & Address | First Bank & Trust Company Po Box 878 Perry, OK 73077 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2003 |
| Total Number of Mortgage Applications | 74 |
| Total Mortgage Loan Application Amount | $6,790,000 |
| Average Mortgage Loan Application Amount | $91,756 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $75,108 |
| Highest Applicant Income | $206,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Noble, Oklahoma | 39 | $ 3,805,000 | $ 97,564 | $ 78,000 |
| Garfield, Oklahoma | 16 | $ 1,610,000 | $ 100,625 | $ 77,000 |
| Le Flore, Oklahoma | 3 | $ 185,000 | $ 61,666 | $ 102,000 |
| Logan, Oklahoma | 3 | $ 145,000 | $ 48,333 | $ 71,000 |
| Kay, Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 38,000 |
| Payne, Oklahoma | 2 | $ 70,000 | $ 35,000 | $ 39,000 |
| Washington, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 72,000 |
| Delaware, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Oklahoma, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Osage, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 116,000 |
| Pawnee, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Stephens, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 13,000 |
| Woods, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Travis, Texas | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2018
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 | 38 | $3,270,000 | $86,000 | $305,000 | $69,000 | $206,000 |
| Refinancing | 20 | $1,740,000 | $87,000 | $355,000 | $76,000 | $138,000 |
| Other Purpose | 12 | $1,330,000 | $110,000 | $355,000 | $71,000 | $128,000 |
| Home Improvement | 4 | $450,000 | $112,000 | $195,000 | $141,000 | $172,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 60 | $5,030,000 | $83,000 | $355,000 | $74,000 | $172,000 |
| Not Provided | 6 | $640,000 | $106,000 | $155,000 | $70,000 | $104,000 |
| Not applicable | 5 | $875,000 | $175,000 | $275,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $110,000 | $55,000 | $55,000 | $42,000 | $42,000 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $206,000 | $206,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 74 | $6,790,000 | $91,000 | $355,000 | $75,000 | $206,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 54 | $5,270,000 | $97,000 | $355,000 | $80,000 | $206,000 |
| Application Denied By Financial Institution | 9 | $815,000 | $90,000 | $155,000 | $73,000 | $116,000 |
| Application Withdrawn By Applicant | 6 | $480,000 | $80,000 | $115,000 | $50,000 | $82,000 |
| Application Approved But Not Accepted | 5 | $225,000 | $45,000 | $75,000 | $63,000 | $103,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 65 | $5,975,000 | $91,000 | $355,000 | $76,000 | $206,000 |
| Debt-To-Income Ratio | 4 | $470,000 | $117,000 | $155,000 | $74,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $165,000 | $55,000 | $105,000 | $48,000 | $60,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $116,000 | $116,000 |
| Credit History | 1 | $145,000 | $145,000 | $145,000 | $104,000 | $104,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust Company's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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