First Bethany Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, First Bethany Bank & Trust of Bethany, OK reported 38 mortgage applications totaling $2.4 million, down 12% from 2014. The average application was for $63,921, and applicants reported an average income of $49,315. 95% of its applications resulted in an originated loan and 0% were denied. Its largest market was Oklahoma City, OK (38).
| Mortgage Company & Address | First Bethany Bank & Trust 6500 Nw 39th Expwy Bethany, OK 73008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 38 |
| Total Mortgage Loan Application Amount | $2,429,000 |
| Average Mortgage Loan Application Amount | $63,921 |
| Highest Mortgage Loan Application Amount | $243,000 |
| Average Applicant Income | $49,315 |
| Highest Applicant Income | $252,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bethany Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oklahoma, Oklahoma | 31 | $ 1,578,000 | $ 50,903 | $ 50,000 |
| Canadian, Oklahoma | 5 | $ 686,000 | $ 137,200 | $ 16,000 |
| Cleveland, Oklahoma | 2 | $ 165,000 | $ 82,500 | $ 126,000 |
Mortgage Loan Application Detail Totals for First Bethany Bank & Trust in 2015
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 | 19 | $1,536,000 | $80,000 | $243,000 | $50,000 | $252,000 |
| Home Improvement | 15 | $519,000 | $34,000 | $146,000 | $56,000 | $252,000 |
| Refinancing | 4 | $374,000 | $93,000 | $181,000 | $21,000 | $86,000 |
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 | 17 | $880,000 | $51,000 | $153,000 | $96,000 | $252,000 |
| Not applicable | 15 | $1,346,000 | $89,000 | $243,000 | $0 | $0 |
| Hispanic | 4 | $125,000 | $31,000 | $95,000 | $57,000 | $88,000 |
| Asian | 1 | $72,000 | $72,000 | $72,000 | $0 | $0 |
| Black or African American | 1 | $6,000 | $6,000 | $6,000 | $41,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 38 | $2,429,000 | $63,000 | $243,000 | $50,000 | $252,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 36 | $2,285,000 | $63,000 | $243,000 | $45,000 | $252,000 |
| Application Withdrawn By Applicant | 2 | $144,000 | $72,000 | $72,000 | $126,000 | $252,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 Bethany Bank & Trust's 2015 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 Bethany Bank & Trust'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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