First Bethany Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, First Bethany Bank & Trust of Bethany, OK reported 44 mortgage applications totaling $4.6 million, up 16% from 2015. The average application was for $103,659, and applicants reported an average income of $57,045. 89% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Oklahoma City, OK (43) and Kansas City, MO-KS (1).
| 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 | 44 |
| Total Mortgage Loan Application Amount | $4,561,000 |
| Average Mortgage Loan Application Amount | $103,659 |
| Highest Mortgage Loan Application Amount | $590,000 |
| Average Applicant Income | $57,045 |
| Highest Applicant Income | $248,000 |
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records First Bethany Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 33 | $ 3,777,000 | $ 114,454 | $ 66,000 |
| Canadian, Oklahoma | 4 | $ 132,000 | $ 33,000 | $ 50,000 |
| Cleveland, Oklahoma | 4 | $ 519,000 | $ 129,750 | $ 5,000 |
| Jackson, Missouri | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Grady, Oklahoma | 1 | $ 103,000 | $ 103,000 | $ 0 |
| McClain, Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for First Bethany Bank & Trust in 2016
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 | 21 | $2,526,000 | $120,000 | $590,000 | $67,000 | $248,000 |
| Home Improvement | 16 | $558,000 | $34,000 | $160,000 | $58,000 | $202,000 |
| Refinancing | 7 | $1,477,000 | $211,000 | $454,000 | $25,000 | $102,000 |
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 | 21 | $1,315,000 | $62,000 | $270,000 | $88,000 | $248,000 |
| Not applicable | 15 | $2,659,000 | $177,000 | $590,000 | $0 | $0 |
| Asian | 6 | $575,000 | $95,000 | $160,000 | $102,000 | $169,000 |
| Hispanic | 2 | $12,000 | $6,000 | $7,000 | $37,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 44 | $4,561,000 | $103,000 | $590,000 | $57,000 | $248,000 |
| 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 | 39 | $4,488,000 | $115,000 | $590,000 | $60,000 | $248,000 |
| Application Denied By Financial Institution | 4 | $68,000 | $17,000 | $45,000 | $30,000 | $64,000 |
| Application Withdrawn By Applicant | 1 | $5,000 | $5,000 | $5,000 | $48,000 | $48,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 3 | $61,000 | $20,000 | $45,000 | $31,000 | $64,000 |
| Credit History | 1 | $7,000 | $7,000 | $7,000 | $26,000 | $26,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bethany Bank & Trust's 2016 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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