First Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, First Bank & Trust Company of Perry, OK reported 182 mortgage applications totaling $6.7 million. The average application was for $36,626, and applicants reported an average income of $35,923. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Enid, OK (36), Oklahoma City, OK (4) and Tulsa, OK (1) (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 | 182 |
| Total Mortgage Loan Application Amount | $6,666,000 |
| Average Mortgage Loan Application Amount | $36,626 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $35,923 |
| Highest Applicant Income | $107,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Enid, OK | 36 | $ 1,214,000 | $ 33,722 | $ 27,000 |
| Oklahoma City, OK | 4 | $ 115,000 | $ 28,750 | $ 23,000 |
| Tulsa, OK | 1 | $ 190,000 | $ 190,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2003
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 (home purchase or home improvement, one-to-four family) | 63 | $3,230,000 | $51,000 | $205,000 | $41,000 | $107,000 |
| Home Purchase (one-to-four family) | 61 | $2,353,000 | $50,000 | $190,000 | $48,500 | $105,000 |
| Home Improvement (one-to-four family) | 58 | $1,083,000 | $10,500 | $150,000 | $25,500 | $87,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 170 | $6,129,000 | $33,666 | $205,000 | $39,333 | $107,000 |
| American Indian or Alaskan Native | 6 | $154,000 | $25,000 | $68,000 | $36,000 | $88,000 |
| Hispanic | 4 | $321,000 | $80,000 | $150,000 | $58,000 | $87,000 |
| Black | 2 | $62,000 | $31,000 | $60,000 | $23,000 | $33,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 182 | $6,666,000 | $33,666 | $205,000 | $39,333 | $107,000 |
| 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 | 144 | $4,721,000 | $32,333 | $205,000 | $38,333 | $107,000 |
| Application Denied By Financial Institution | 22 | $770,000 | $35,000 | $114,000 | $34,000 | $89,000 |
| Application Approved But Not Accepted | 14 | $1,115,000 | $79,000 | $190,000 | $56,000 | $105,000 |
| Application Withdrawn By Applicant | 2 | $60,000 | $30,000 | $40,000 | $23,000 | $29,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 17 | $665,000 | $39,000 | $114,000 | $40,000 | $89,000 |
| Debt-To-Income Ratio | 2 | $61,000 | $30,000 | $36,000 | $25,000 | $26,000 |
| Collateral | 2 | $24,000 | $12,000 | $22,000 | $25,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $20,000 | $20,000 | $20,000 | $19,000 | $19,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust Company's 2003 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.
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