First Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, First Bank & Trust Company of Wagoner, OK reported 291 mortgage applications totaling $29.8 million, up 24% from 2011. The average application was for $102,402, and applicants reported an average income of $55,556. 65% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Tulsa, OK (131), Oklahoma City, OK (107) and Dallas-Plano-Irving, 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 | 291 |
| Total Mortgage Loan Application Amount | $29,799,000 |
| Average Mortgage Loan Application Amount | $102,402 |
| Highest Mortgage Loan Application Amount | $4,300,000 |
| Average Applicant Income | $55,556 |
| Highest Applicant Income | $417,000 |
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records First Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 181 | $17,756,000 | $98,000 | $4,300,000 | $55,000 | $308,000 |
| Refinancing | 81 | $9,954,000 | $122,000 | $863,000 | $57,000 | $417,000 |
| Home Improvement | 29 | $2,089,000 | $72,000 | $491,000 | $55,000 | $219,000 |
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 | 208 | $19,803,000 | $95,000 | $863,000 | $68,000 | $417,000 |
| Not applicable | 41 | $7,369,000 | $179,000 | $4,300,000 | $0 | $0 |
| American Indian or Alaskan Native | 28 | $1,934,000 | $69,000 | $186,000 | $47,000 | $100,000 |
| Black or African American | 8 | $362,000 | $45,000 | $144,000 | $36,000 | $70,000 |
| Hispanic | 5 | $301,000 | $60,000 | $104,000 | $84,000 | $150,000 |
| Not Provided | 1 | $30,000 | $30,000 | $30,000 | $22,000 | $22,000 |
| 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) | 285 | $29,341,000 | $102,000 | $4,300,000 | $56,000 | $417,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $197,000 | $65,000 | $75,000 | $41,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 3 | $261,000 | $87,000 | $158,000 | $50,000 | $64,000 |
| 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 | 188 | $20,463,000 | $108,000 | $4,300,000 | $55,000 | $417,000 |
| Application Denied By Financial Institution | 68 | $6,112,000 | $89,000 | $520,000 | $54,000 | $204,000 |
| Application Withdrawn By Applicant | 24 | $2,444,000 | $101,000 | $248,000 | $63,000 | $181,000 |
| Application Approved But Not Accepted | 11 | $780,000 | $70,000 | $150,000 | $58,000 | $111,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $100,000 | $50,000 | $50,000 | $180,000 | $180,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust Company's 2012 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About