First Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, First Bank & Trust Company of Wagoner, OK reported 409 mortgage applications totaling $31.1 million. The average application was for $75,990, and applicants reported an average income of $51,755. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Tulsa, OK (322), Oklahoma City, OK (28) and Dallas, TX (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 | 409 |
| Total Mortgage Loan Application Amount | $31,080,000 |
| Average Mortgage Loan Application Amount | $75,990 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $51,755 |
| Highest Applicant Income | $300,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 (one-to-four family) | 217 | $17,241,000 | $88,500 | $445,000 | $80,000 | $276,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 157 | $13,164,000 | $60,000 | $308,000 | $46,500 | $300,000 |
| Home Improvement (one-to-four family) | 35 | $675,000 | $19,000 | $90,000 | $39,000 | $135,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 331 | $25,545,000 | $72,000 | $350,000 | $64,500 | $300,000 |
| American Indian or Alaskan Native | 39 | $2,250,000 | $57,000 | $184,000 | $54,000 | $138,000 |
| Not applicable | 25 | $1,722,000 | $68,000 | $249,000 | $7,000 | $134,000 |
| Black | 9 | $532,000 | $59,000 | $135,000 | $49,000 | $88,000 |
| Hispanic | 4 | $1,018,000 | $254,000 | $445,000 | $106,000 | $175,000 |
| Asian or Pacific Islander | 1 | $13,000 | $13,000 | $13,000 | $24,000 | $24,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 388 | $29,298,000 | $71,000 | $445,000 | $63,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,027,000 | $85,000 | $123,000 | $51,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 9 | $755,000 | $83,000 | $135,000 | $38,000 | $73,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 291 | $22,149,000 | $87,000 | $445,000 | $81,500 | $276,000 |
| Application Denied By Financial Institution | 65 | $4,415,000 | $67,000 | $350,000 | $41,000 | $300,000 |
| Application Withdrawn By Applicant | 40 | $3,477,000 | $62,000 | $204,000 | $44,500 | $145,000 |
| Application Approved But Not Accepted | 11 | $774,000 | $70,000 | $202,000 | $62,000 | $107,000 |
| Loan Purchased By The Institution | 2 | $265,000 | $132,000 | $189,000 | $72,000 | $72,000 |
| File Closed For Incompleteness | 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 2003 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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