First Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, First Bank & Trust Company of Wagoner, OK reported 228 mortgage applications totaling $24.3 million, down 3% from 2007. The average application was for $106,732, and applicants reported an average income of $80,052. 63% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Tulsa, OK (142), Oklahoma City, OK (62) and Houston-Sugar Land-Baytown, TX (4) (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 | 228 |
| Total Mortgage Loan Application Amount | $24,335,000 |
| Average Mortgage Loan Application Amount | $106,732 |
| Highest Mortgage Loan Application Amount | $2,065,000 |
| Average Applicant Income | $80,052 |
| Highest Applicant Income | $4,000,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 | 118 | $12,286,000 | $104,000 | $2,065,000 | $92,000 | $4,000,000 |
| Refinancing | 79 | $8,959,000 | $113,000 | $499,000 | $74,000 | $810,000 |
| Home Improvement | 31 | $3,090,000 | $99,000 | $1,035,000 | $50,000 | $166,000 |
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 | 173 | $19,793,000 | $114,000 | $2,065,000 | $96,000 | $4,000,000 |
| American Indian or Alaskan Native | 25 | $2,110,000 | $84,000 | $291,000 | $48,000 | $88,000 |
| Not applicable | 17 | $1,573,000 | $92,000 | $331,000 | $3,000 | $51,000 |
| Black or African American | 11 | $836,000 | $76,000 | $123,000 | $40,000 | $96,000 |
| Hispanic | 2 | $23,000 | $11,000 | $15,000 | $24,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 205 | $22,302,000 | $108,000 | $2,065,000 | $84,000 | $4,000,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,465,000 | $81,000 | $165,000 | $38,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 5 | $568,000 | $113,000 | $219,000 | $63,000 | $97,000 |
| 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 | 144 | $16,580,000 | $115,000 | $2,065,000 | $90,000 | $4,000,000 |
| Application Denied By Financial Institution | 51 | $5,078,000 | $99,000 | $641,000 | $67,000 | $810,000 |
| Application Withdrawn By Applicant | 26 | $2,155,000 | $82,000 | $279,000 | $59,000 | $192,000 |
| Application Approved But Not Accepted | 4 | $225,000 | $56,000 | $95,000 | $54,000 | $75,000 |
| Preapproval Denied by Financial Institution | 3 | $297,000 | $99,000 | $165,000 | $37,000 | $66,000 |
| 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 | 11 | $762,000 | $69,000 | $165,000 | $42,000 | $96,000 |
| Debt-To-Income Ratio | 2 | $677,000 | $338,000 | $641,000 | $97,000 | $148,000 |
| Employment History | 1 | $8,000 | $8,000 | $8,000 | $23,000 | $23,000 |
| Collateral | 1 | $22,000 | $22,000 | $22,000 | $21,000 | $21,000 |
| 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 2008 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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