First Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, First Bank & Trust Company of Wagoner, OK reported 295 mortgage applications totaling $32.5 million, up 20% from 2009. The average application was for $110,020, and applicants reported an average income of $65,484. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Tulsa, OK (169), Oklahoma City, OK (72) and Lake Havasu City-Kingman, AZ (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 | 295 |
| Total Mortgage Loan Application Amount | $32,456,000 |
| Average Mortgage Loan Application Amount | $110,020 |
| Highest Mortgage Loan Application Amount | $2,218,000 |
| Average Applicant Income | $65,484 |
| Highest Applicant Income | $1,429,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 165 | $18,201,000 | $110,000 | $2,218,000 | $69,000 | $1,429,000 |
| Refinancing | 93 | $11,738,000 | $126,000 | $539,000 | $67,000 | $242,000 |
| Home Improvement | 37 | $2,517,000 | $68,000 | $742,000 | $46,000 | $126,000 |
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 | 214 | $21,574,000 | $100,000 | $800,000 | $78,000 | $1,429,000 |
| Not applicable | 37 | $5,986,000 | $161,000 | $2,218,000 | $0 | $0 |
| American Indian or Alaskan Native | 28 | $2,424,000 | $86,000 | $200,000 | $66,000 | $469,000 |
| Hispanic | 7 | $854,000 | $122,000 | $189,000 | $39,000 | $91,000 |
| Black or African American | 6 | $1,083,000 | $180,000 | $353,000 | $53,000 | $158,000 |
| Not Provided | 3 | $535,000 | $178,000 | $400,000 | $65,000 | $150,000 |
| 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) | 272 | $30,115,000 | $110,000 | $2,218,000 | $67,000 | $1,429,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,002,000 | $100,000 | $192,000 | $43,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 3 | $339,000 | $113,000 | $200,000 | $49,000 | $65,000 |
| 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 | 197 | $20,998,000 | $106,000 | $2,218,000 | $65,000 | $1,429,000 |
| Application Denied By Financial Institution | 45 | $4,918,000 | $109,000 | $353,000 | $60,000 | $265,000 |
| Application Withdrawn By Applicant | 42 | $5,635,000 | $134,000 | $417,000 | $75,000 | $336,000 |
| Application Approved But Not Accepted | 6 | $565,000 | $94,000 | $142,000 | $76,000 | $210,000 |
| Preapproval Denied by Financial Institution | 4 | $260,000 | $65,000 | $100,000 | $34,000 | $50,000 |
| Preapproval Approved but not Accepted | 1 | $80,000 | $80,000 | $80,000 | $31,000 | $31,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 8 | $475,000 | $59,000 | $126,000 | $61,000 | $180,000 |
| Debt-To-Income Ratio | 3 | $250,000 | $83,000 | $125,000 | $30,000 | $50,000 |
| Employment History | 2 | $162,000 | $81,000 | $132,000 | $41,000 | $41,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $34,000 | $34,000 |
| 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 2010 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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