First Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, First Bank & Trust Company of Wagoner, OK reported 235 mortgage applications totaling $22.3 million, down 20% from 2010. The average application was for $94,723, and applicants reported an average income of $73,846. 69% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Tulsa, OK (120) and Oklahoma City, OK (69).
| 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 | 235 |
| Total Mortgage Loan Application Amount | $22,260,000 |
| Average Mortgage Loan Application Amount | $94,723 |
| Highest Mortgage Loan Application Amount | $706,000 |
| Average Applicant Income | $73,846 |
| Highest Applicant Income | $2,843,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 87 | $ 6,900,000 | $ 79,310 | $ 73,000 |
| Oklahoma, Oklahoma | 41 | $ 3,590,000 | $ 87,560 | $ 56,000 |
| Tulsa, Oklahoma | 31 | $ 2,777,000 | $ 89,580 | $ 124,000 |
| Delaware, Oklahoma | 16 | $ 1,732,000 | $ 108,250 | $ 49,000 |
| Logan, Oklahoma | 12 | $ 1,760,000 | $ 146,666 | $ 32,000 |
| Lincoln, Oklahoma | 11 | $ 701,000 | $ 63,727 | $ 65,000 |
| Muskogee, Oklahoma | 8 | $ 1,215,000 | $ 151,875 | $ 85,000 |
| Cherokee, Oklahoma | 6 | $ 643,000 | $ 107,166 | $ 121,000 |
| Ottawa, Oklahoma | 5 | $ 426,000 | $ 85,200 | $ 58,000 |
| Cleveland, Oklahoma | 4 | $ 572,000 | $ 143,000 | $ 76,000 |
| Craig, Oklahoma | 2 | $ 469,000 | $ 234,500 | $ 65,000 |
| Mayes, Oklahoma | 2 | $ 117,000 | $ 58,500 | $ 22,000 |
| Pottawatomie, Oklahoma | 2 | $ 238,000 | $ 119,000 | $ 109,000 |
| Rogers, Oklahoma | 2 | $ 685,000 | $ 342,500 | $ 170,000 |
| Canadian, Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 35,000 |
| McIntosh, Oklahoma | 1 | $ 29,000 | $ 29,000 | $ 33,000 |
| Pittsburg, Oklahoma | 1 | $ 27,000 | $ 27,000 | $ 88,000 |
| Washington, Oklahoma | 1 | $ 14,000 | $ 14,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2011
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 | 140 | $11,912,000 | $85,000 | $417,000 | $77,000 | $2,843,000 |
| Refinancing | 76 | $9,361,000 | $123,000 | $706,000 | $71,000 | $450,000 |
| Home Improvement | 19 | $987,000 | $51,000 | $141,000 | $62,000 | $237,000 |
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 | 172 | $17,014,000 | $98,000 | $536,000 | $91,000 | $2,843,000 |
| Not applicable | 30 | $2,515,000 | $83,000 | $706,000 | $0 | $0 |
| American Indian or Alaskan Native | 19 | $1,551,000 | $81,000 | $149,000 | $53,000 | $156,000 |
| Hispanic | 6 | $247,000 | $41,000 | $73,000 | $25,000 | $62,000 |
| Asian | 4 | $743,000 | $185,000 | $293,000 | $100,000 | $218,000 |
| Black or African American | 2 | $53,000 | $26,000 | $38,000 | $31,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $110,000 | $110,000 | $110,000 | $59,000 | $59,000 |
| Not Provided | 1 | $27,000 | $27,000 | $27,000 | $77,000 | $77,000 |
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) | 230 | $21,884,000 | $95,000 | $706,000 | $75,000 | $2,843,000 |
| FHA-insured (Federal Housing Administration) | 2 | $127,000 | $63,000 | $67,000 | $33,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 2 | $172,000 | $86,000 | $92,000 | $41,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $77,000 | $77,000 | $77,000 | $21,000 | $21,000 |
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 | 162 | $15,076,000 | $93,000 | $706,000 | $82,000 | $2,843,000 |
| Application Denied By Financial Institution | 46 | $4,538,000 | $98,000 | $297,000 | $48,000 | $156,000 |
| Application Withdrawn By Applicant | 23 | $2,437,000 | $105,000 | $335,000 | $74,000 | $183,000 |
| Application Approved But Not Accepted | 4 | $209,000 | $52,000 | $76,000 | $39,000 | $61,000 |
| 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 2011 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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