First Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, First Bank & Trust Company of Wagoner, OK reported 234 mortgage applications totaling $25.9 million, down 6% from 2016. The average application was for $110,739, and applicants reported an average income of $60,470. 68% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Oklahoma City, OK (119), Tulsa, OK (78) and Kansas City, MO-KS (1) (applications in parentheses).
| Mortgage Company & Address | First Bank & Trust Company Po Box 427 Wagoner, OK 74477 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 234 |
| Total Mortgage Loan Application Amount | $25,913,000 |
| Average Mortgage Loan Application Amount | $110,739 |
| Highest Mortgage Loan Application Amount | $659,000 |
| Average Applicant Income | $60,470 |
| Highest Applicant Income | $551,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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 | 173 | $18,770,000 | $108,000 | $659,000 | $56,000 | $551,000 |
| Refinancing | 42 | $6,012,000 | $143,000 | $424,000 | $80,000 | $346,000 |
| Home Improvement | 19 | $1,131,000 | $59,000 | $177,000 | $58,000 | $308,000 |
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 | 136 | $15,602,000 | $114,000 | $424,000 | $90,000 | $551,000 |
| Not applicable | 59 | $6,343,000 | $107,000 | $659,000 | $0 | $0 |
| American Indian or Alaskan Native | 21 | $1,900,000 | $90,000 | $356,000 | $43,000 | $117,000 |
| Black or African American | 8 | $1,052,000 | $131,000 | $300,000 | $69,000 | $140,000 |
| Hispanic | 8 | $755,000 | $94,000 | $237,000 | $34,000 | $92,000 |
| Not Provided | 2 | $261,000 | $130,000 | $148,000 | $108,000 | $169,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 223 | $24,938,000 | $111,000 | $659,000 | $61,000 | $551,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $601,000 | $85,000 | $141,000 | $37,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 4 | $374,000 | $93,000 | $135,000 | $66,000 | $94,000 |
| 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 | 159 | $17,288,000 | $108,000 | $659,000 | $64,000 | $551,000 |
| Application Denied By Financial Institution | 43 | $4,278,000 | $99,000 | $389,000 | $44,000 | $134,000 |
| Application Approved But Not Accepted | 18 | $1,734,000 | $96,000 | $300,000 | $58,000 | $197,000 |
| Application Withdrawn By Applicant | 14 | $2,613,000 | $186,000 | $585,000 | $68,000 | $245,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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