First Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, First Bank & Trust Company of Perry, OK reported 150 mortgage applications totaling $8.6 million, down 20% from 2016. The average application was for $57,046, and applicants reported an average income of $56,533. 77% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Enid, OK (25), Oklahoma City, OK (7) and Kansas City, MO-KS (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 | 150 |
| Total Mortgage Loan Application Amount | $8,557,000 |
| Average Mortgage Loan Application Amount | $57,046 |
| Highest Mortgage Loan Application Amount | $218,000 |
| Average Applicant Income | $56,533 |
| Highest Applicant Income | $174,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 25 | $ 1,275,000 | $ 51,000 | $ 67,000 |
| Oklahoma City, OK | 7 | $ 484,000 | $ 69,142 | $ 69,000 |
| Kansas City, MO-KS | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Tulsa, OK | 1 | $ 8,000 | $ 8,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2017
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 | 71 | $5,425,000 | $76,000 | $218,000 | $58,000 | $164,000 |
| Home Improvement | 59 | $1,183,000 | $20,000 | $95,000 | $58,000 | $174,000 |
| Refinancing | 20 | $1,949,000 | $97,000 | $213,000 | $47,000 | $117,000 |
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 | 131 | $6,692,000 | $51,000 | $213,000 | $61,000 | $174,000 |
| Not applicable | 10 | $1,018,000 | $101,000 | $218,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $273,000 | $68,000 | $149,000 | $34,000 | $77,000 |
| Asian | 3 | $390,000 | $130,000 | $154,000 | $77,000 | $112,000 |
| Hispanic | 2 | $184,000 | $92,000 | $150,000 | $102,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 149 | $8,492,000 | $56,000 | $218,000 | $57,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $34,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 116 | $5,846,000 | $50,000 | $218,000 | $56,000 | $174,000 |
| Application Denied By Financial Institution | 18 | $1,500,000 | $83,000 | $174,000 | $46,000 | $112,000 |
| Application Withdrawn By Applicant | 9 | $677,000 | $75,000 | $135,000 | $64,000 | $98,000 |
| Application Approved But Not Accepted | 5 | $319,000 | $63,000 | $112,000 | $87,000 | $118,000 |
| Preapproval Approved but not Accepted | 2 | $215,000 | $107,000 | $150,000 | $74,000 | $110,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 9 | $755,000 | $83,000 | $155,000 | $56,000 | $112,000 |
| Debt-To-Income Ratio | 7 | $541,000 | $77,000 | $174,000 | $33,000 | $68,000 |
| Employment History | 2 | $204,000 | $102,000 | $149,000 | $49,000 | $77,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust Company's 2017 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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