First Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, First Bank & Trust Company of Wagoner, OK reported 257 mortgage applications totaling $34.3 million, down 12% from 2012. The average application was for $133,544, and applicants reported an average income of $56,143. 66% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Oklahoma City, OK (108), Tulsa, OK (96) and Fayetteville-Springdale-Rogers, AR-MO (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 | 257 |
| Total Mortgage Loan Application Amount | $34,321,000 |
| Average Mortgage Loan Application Amount | $133,544 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $56,143 |
| Highest Applicant Income | $513,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 75 | $ 6,645,000 | $ 88,600 | $ 60,000 |
| Oklahoma, Oklahoma | 66 | $ 6,554,000 | $ 99,303 | $ 53,000 |
| Delaware, Oklahoma | 25 | $ 2,510,000 | $ 100,400 | $ 57,000 |
| Lincoln, Oklahoma | 18 | $ 1,261,000 | $ 70,055 | $ 63,000 |
| Tulsa, Oklahoma | 16 | $ 9,954,000 | $ 622,125 | $ 84,000 |
| Cleveland, Oklahoma | 15 | $ 1,178,000 | $ 78,533 | $ 17,000 |
| Cherokee, Oklahoma | 6 | $ 627,000 | $ 104,500 | $ 80,000 |
| Logan, Oklahoma | 6 | $ 701,000 | $ 116,833 | $ 45,000 |
| Mayes, Oklahoma | 6 | $ 840,000 | $ 140,000 | $ 33,000 |
| Rogers, Oklahoma | 5 | $ 613,000 | $ 122,600 | $ 60,000 |
| McClain, Oklahoma | 3 | $ 227,000 | $ 75,666 | $ 32,000 |
| Walton, Florida | 2 | $ 1,075,000 | $ 537,500 | $ 0 |
| Muskogee, Oklahoma | 2 | $ 37,000 | $ 18,500 | $ 17,000 |
| Ottawa, Oklahoma | 2 | $ 105,000 | $ 52,500 | $ 78,000 |
| Washington, Oklahoma | 2 | $ 125,000 | $ 62,500 | $ 39,000 |
| Maricopa, Arizona | 1 | $ 1,101,000 | $ 1,101,000 | $ 0 |
| Benton, Arkansas | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
| Neosho, Kansas | 1 | $ 91,000 | $ 91,000 | $ 86,000 |
| Sedgwick, Kansas | 1 | $ 98,000 | $ 98,000 | $ 30,000 |
| Newton, Missouri | 1 | $ 184,000 | $ 184,000 | $ 513,000 |
| McIntosh, Oklahoma | 1 | $ 14,000 | $ 14,000 | $ 36,000 |
| Pottawatomie, Oklahoma | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Seminole, Oklahoma | 1 | $ 146,000 | $ 146,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2013
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 | 168 | $16,230,000 | $96,000 | $1,101,000 | $53,000 | $513,000 |
| Refinancing | 57 | $14,979,000 | $262,000 | $8,000,000 | $61,000 | $260,000 |
| Home Improvement | 32 | $3,112,000 | $97,000 | $501,000 | $64,000 | $250,000 |
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 | 180 | $18,619,000 | $103,000 | $501,000 | $69,000 | $513,000 |
| Not applicable | 42 | $12,887,000 | $306,000 | $8,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 27 | $2,380,000 | $88,000 | $304,000 | $64,000 | $188,000 |
| Black or African American | 4 | $77,000 | $19,000 | $29,000 | $30,000 | $36,000 |
| Hispanic | 3 | $278,000 | $92,000 | $161,000 | $56,000 | $96,000 |
| Not Provided | 1 | $80,000 | $80,000 | $80,000 | $51,000 | $51,000 |
| 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) | 252 | $33,884,000 | $134,000 | $8,000,000 | $57,000 | $513,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $272,000 | $90,000 | $120,000 | $33,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 2 | $165,000 | $82,000 | $85,000 | $48,000 | $65,000 |
| 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 | 170 | $26,111,000 | $153,000 | $8,000,000 | $61,000 | $513,000 |
| Application Denied By Financial Institution | 48 | $4,663,000 | $97,000 | $445,000 | $45,000 | $188,000 |
| Application Approved But Not Accepted | 21 | $1,806,000 | $86,000 | $247,000 | $50,000 | $405,000 |
| Application Withdrawn By Applicant | 17 | $1,702,000 | $100,000 | $304,000 | $50,000 | $128,000 |
| File Closed For Incompleteness | 1 | $39,000 | $39,000 | $39,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $950,000 | $63,000 | $146,000 | $41,000 | $84,000 |
| Debt-To-Income Ratio | 7 | $1,013,000 | $144,000 | $445,000 | $36,000 | $78,000 |
| 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 |
| 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 2013 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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