First Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, First Bank & Trust Company of Wagoner, OK reported 249 mortgage applications totaling $26.9 million, up 24% from 2015. The average application was for $108,020, and applicants reported an average income of $72,526. 74% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Oklahoma City, OK (108), Tulsa, OK (105) and Joplin, MO (2) (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 | 249 |
| Total Mortgage Loan Application Amount | $26,897,000 |
| Average Mortgage Loan Application Amount | $108,020 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $72,526 |
| Highest Applicant Income | $1,052,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 80 | $ 7,038,000 | $ 87,975 | $ 104,000 |
| Oklahoma, Oklahoma | 54 | $ 7,637,000 | $ 141,425 | $ 63,000 |
| Cleveland, Oklahoma | 21 | $ 1,778,000 | $ 84,666 | $ 44,000 |
| Tulsa, Oklahoma | 20 | $ 2,944,000 | $ 147,200 | $ 52,000 |
| Lincoln, Oklahoma | 18 | $ 1,774,000 | $ 98,555 | $ 42,000 |
| Logan, Oklahoma | 14 | $ 1,585,000 | $ 113,214 | $ 22,000 |
| Mayes, Oklahoma | 7 | $ 486,000 | $ 69,428 | $ 50,000 |
| Delaware, Oklahoma | 6 | $ 331,000 | $ 55,166 | $ 44,000 |
| Craig, Oklahoma | 4 | $ 255,000 | $ 63,750 | $ 32,000 |
| Pittsburg, Oklahoma | 4 | $ 263,000 | $ 65,750 | $ 221,000 |
| Pottawatomie, Oklahoma | 4 | $ 289,000 | $ 72,250 | $ 11,000 |
| Rogers, Oklahoma | 3 | $ 379,000 | $ 126,333 | $ 131,000 |
| Newton, Missouri | 2 | $ 265,000 | $ 132,500 | $ 104,000 |
| Muskogee, Oklahoma | 2 | $ 169,000 | $ 84,500 | $ 27,000 |
| Osage, Oklahoma | 2 | $ 378,000 | $ 189,000 | $ 119,000 |
| Baldwin, Alabama | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Taney, Missouri | 1 | $ 350,000 | $ 350,000 | $ 387,000 |
| Canadian, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Cherokee, Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 56,000 |
| Marshall, Oklahoma | 1 | $ 89,000 | $ 89,000 | $ 86,000 |
| Noble, Oklahoma | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Ottawa, Oklahoma | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Payne, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust Company in 2016
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 | 164 | $16,989,000 | $103,000 | $400,000 | $61,000 | $387,000 |
| Refinancing | 55 | $7,645,000 | $139,000 | $615,000 | $87,000 | $1,052,000 |
| Home Improvement | 30 | $2,263,000 | $75,000 | $225,000 | $109,000 | $383,000 |
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 | 162 | $17,530,000 | $108,000 | $615,000 | $93,000 | $1,052,000 |
| Not applicable | 54 | $5,861,000 | $108,000 | $399,000 | $2,000 | $120,000 |
| American Indian or Alaskan Native | 21 | $2,132,000 | $101,000 | $266,000 | $101,000 | $276,000 |
| Black or African American | 5 | $505,000 | $101,000 | $206,000 | $82,000 | $126,000 |
| Hispanic | 5 | $457,000 | $91,000 | $228,000 | $47,000 | $52,000 |
| Asian | 2 | $412,000 | $206,000 | $260,000 | $27,000 | $36,000 |
| Native Hawaiin 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) | 238 | $25,493,000 | $107,000 | $615,000 | $73,000 | $1,052,000 |
| VA-guaranteed (Veterans Administration) | 6 | $860,000 | $143,000 | $214,000 | $66,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $544,000 | $108,000 | $134,000 | $36,000 | $50,000 |
| 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 | 184 | $19,780,000 | $107,000 | $615,000 | $74,000 | $1,052,000 |
| Application Denied By Financial Institution | 32 | $3,211,000 | $100,000 | $260,000 | $55,000 | $146,000 |
| Application Withdrawn By Applicant | 20 | $2,971,000 | $148,000 | $400,000 | $85,000 | $223,000 |
| Application Approved But Not Accepted | 13 | $935,000 | $71,000 | $255,000 | $67,000 | $164,000 |
| 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 2016 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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