First Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, First Bank & Trust Company of Wagoner, OK reported 273 mortgage applications totaling $20.6 million, down 7% from 2005. The average application was for $75,556, and applicants reported an average income of $55,604. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Tulsa, OK (181), Oklahoma City, OK (56) and Fort Smith, AR-OK (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 | 273 |
| Total Mortgage Loan Application Amount | $20,627,000 |
| Average Mortgage Loan Application Amount | $75,556 |
| Highest Mortgage Loan Application Amount | $467,000 |
| Average Applicant Income | $55,604 |
| Highest Applicant Income | $681,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wagoner, Oklahoma | 160 | $ 11,578,000 | $ 72,362 | $ 46,000 |
| Oklahoma, Oklahoma | 44 | $ 2,818,000 | $ 64,045 | $ 55,000 |
| Tulsa, Oklahoma | 16 | $ 2,211,000 | $ 138,187 | $ 64,000 |
| Muskogee, Oklahoma | 14 | $ 901,000 | $ 64,357 | $ 86,000 |
| Lincoln, Oklahoma | 9 | $ 422,000 | $ 46,888 | $ 39,000 |
| Mayes, Oklahoma | 8 | $ 579,000 | $ 72,375 | $ 80,000 |
| Cherokee, Oklahoma | 6 | $ 539,000 | $ 89,833 | $ 70,000 |
| Logan, Oklahoma | 3 | $ 167,000 | $ 55,666 | $ 42,000 |
| Delaware, Oklahoma | 2 | $ 128,000 | $ 64,000 | $ 45,000 |
| Le Flore, Oklahoma | 2 | $ 153,000 | $ 76,500 | $ 67,000 |
| Okmulgee, Oklahoma | 2 | $ 640,000 | $ 320,000 | $ 154,000 |
| Rogers, Oklahoma | 2 | $ 148,000 | $ 74,000 | $ 69,000 |
| Santa Fe, New Mexico | 1 | $ 102,000 | $ 102,000 | $ 681,000 |
| Creek, Oklahoma | 1 | $ 71,000 | $ 71,000 | $ 0 |
| McIntosh, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 96,000 |
| Pottawatomie, Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Rusk, Texas | 1 | $ 80,000 | $ 80,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2006
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 | 127 | $9,922,000 | $78,000 | $467,000 | $55,000 | $681,000 |
| Refinancing | 107 | $8,988,000 | $84,000 | $354,000 | $58,000 | $450,000 |
| Home Improvement | 39 | $1,717,000 | $44,000 | $213,000 | $51,000 | $175,000 |
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 | 193 | $15,333,000 | $79,000 | $467,000 | $63,000 | $681,000 |
| American Indian or Alaskan Native | 41 | $2,822,000 | $68,000 | $177,000 | $51,000 | $144,000 |
| Not applicable | 22 | $1,378,000 | $62,000 | $156,000 | $0 | $0 |
| Black or African American | 11 | $394,000 | $35,000 | $126,000 | $54,000 | $140,000 |
| Hispanic | 4 | $270,000 | $67,000 | $97,000 | $40,000 | $51,000 |
| Asian | 2 | $430,000 | $215,000 | $230,000 | $68,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 252 | $18,785,000 | $74,000 | $467,000 | $57,000 | $681,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,519,000 | $89,000 | $148,000 | $40,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 3 | $245,000 | $81,000 | $120,000 | $43,000 | $63,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $78,000 | $78,000 | $78,000 | $39,000 | $39,000 |
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 | 224 | $17,387,000 | $77,000 | $467,000 | $57,000 | $681,000 |
| Application Denied By Financial Institution | 27 | $1,672,000 | $61,000 | $229,000 | $41,000 | $101,000 |
| Application Withdrawn By Applicant | 16 | $1,270,000 | $79,000 | $177,000 | $61,000 | $212,000 |
| Application Approved But Not Accepted | 4 | $156,000 | $39,000 | $65,000 | $66,000 | $112,000 |
| Preapproval Denied by Financial Institution | 2 | $142,000 | $71,000 | $79,000 | $14,000 | $29,000 |
| 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 |
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 | 4 | $129,000 | $32,000 | $47,000 | $33,000 | $54,000 |
| Debt-To-Income Ratio | 2 | $60,000 | $30,000 | $47,000 | $41,000 | $54,000 |
| Employment History | 1 | $16,000 | $16,000 | $16,000 | $28,000 | $28,000 |
| Collateral | 1 | $60,000 | $60,000 | $60,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 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 2006 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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