First Bethany Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, First Bethany Bank & Trust of Bethany, OK reported 56 mortgage applications totaling $6.0 million, up 27% from 2016. The average application was for $106,553, and applicants reported an average income of $35,035. 84% of its applications resulted in an originated loan and 14% were denied. Its largest market was Oklahoma City, OK (55).
| 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 | 56 |
| Total Mortgage Loan Application Amount | $5,967,000 |
| Average Mortgage Loan Application Amount | $106,553 |
| Highest Mortgage Loan Application Amount | $1,570,000 |
| Average Applicant Income | $35,035 |
| Highest Applicant Income | $159,000 |
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records First Bethany Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 44 | $ 4,883,000 | $ 110,977 | $ 36,000 |
| Cleveland, Oklahoma | 8 | $ 882,000 | $ 110,250 | $ 14,000 |
| Canadian, Oklahoma | 2 | $ 59,000 | $ 29,500 | $ 55,000 |
| Grady, Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Pottawatomie, Oklahoma | 1 | $ 102,000 | $ 102,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for First Bethany Bank & Trust in 2017
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 | 32 | $3,272,000 | $102,000 | $464,000 | $24,000 | $159,000 |
| Home Improvement | 15 | $328,000 | $21,000 | $136,000 | $52,000 | $117,000 |
| Refinancing | 9 | $2,367,000 | $263,000 | $1,570,000 | $46,000 | $122,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 26 | $2,260,000 | $86,000 | $333,000 | $0 | $0 |
| White | 13 | $967,000 | $74,000 | $260,000 | $85,000 | $159,000 |
| Hispanic | 11 | $353,000 | $32,000 | $84,000 | $52,000 | $111,000 |
| Asian | 4 | $2,340,000 | $585,000 | $1,570,000 | $54,000 | $122,000 |
| Black or African American | 2 | $47,000 | $23,000 | $32,000 | $43,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 56 | $5,967,000 | $106,000 | $1,570,000 | $35,000 | $159,000 |
| 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 | 47 | $5,593,000 | $119,000 | $1,570,000 | $33,000 | $159,000 |
| Application Denied By Financial Institution | 8 | $334,000 | $41,000 | $160,000 | $45,000 | $112,000 |
| Application Withdrawn By Applicant | 1 | $40,000 | $40,000 | $40,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $63,000 | $21,000 | $40,000 | $53,000 | $71,000 |
| Debt-To-Income Ratio | 2 | $163,000 | $81,000 | $160,000 | $71,000 | $112,000 |
| Employment History | 1 | $32,000 | $32,000 | $32,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Other | 1 | $1,000 | $1,000 | $1,000 | $41,000 | $41,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bethany Bank & Trust's 2017 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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