First Bethany Bank & Trust, NA Mortgage Lending & HMDA Data, 2004
In 2004, First Bethany Bank & Trust, NA of Bethany, OK reported 84 mortgage applications totaling $5.4 million, about the same as 2003. The average application was for $64,154, and applicants reported an average income of $57,761. 58% of its applications resulted in an originated loan and 15% were denied. Its largest market was Oklahoma City, OK (78).
| Mortgage Company & Address | First Bethany Bank & Trust, NA Po Box 218 Bethany, OK 73008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 84 |
| Total Mortgage Loan Application Amount | $5,389,000 |
| Average Mortgage Loan Application Amount | $64,154 |
| Highest Mortgage Loan Application Amount | $576,000 |
| Average Applicant Income | $57,761 |
| Highest Applicant Income | $1,808,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bethany Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma City, OK | 78 | $ 4,898,000 | $ 62,794 | $ 55,000 |
Mortgage Loan Application Detail Totals for First Bethany Bank & Trust, NA in 2004
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 | 36 | $2,985,000 | $80,000 | $410,000 | $49,000 | $1,808,000 |
| Home Improvement | 28 | $945,000 | $33,000 | $576,000 | $39,000 | $129,000 |
| Refinancing | 20 | $1,459,000 | $72,000 | $180,000 | $55,000 | $150,000 |
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 | 42 | $3,305,000 | $78,000 | $410,000 | $56,000 | $129,000 |
| Hispanic | 19 | $642,000 | $52,500 | $136,000 | $23,500 | $48,000 |
| Not applicable | 13 | $450,000 | $34,000 | $59,000 | $137,000 | $1,808,000 |
| Not Provided | 4 | $819,000 | $204,000 | $576,000 | $50,000 | $84,000 |
| Black or African American | 4 | $58,000 | $14,000 | $40,000 | $56,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $26,000 | $26,000 | $26,000 | $97,000 | $97,000 |
| Asian | 1 | $89,000 | $89,000 | $89,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 84 | $5,389,000 | $70,000 | $576,000 | $38,500 | $1,808,000 |
| 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 | 49 | $2,785,000 | $56,000 | $410,000 | $72,000 | $1,808,000 |
| Application Withdrawn By Applicant | 22 | $1,847,000 | $80,500 | $200,000 | $34,500 | $88,000 |
| Application Denied By Financial Institution | 13 | $757,000 | $58,000 | $576,000 | $36,000 | $96,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $128,000 | $16,000 | $80,000 | $41,000 | $91,000 |
| Collateral | 2 | $43,000 | $21,000 | $40,000 | $14,000 | $16,000 |
| Other | 2 | $584,000 | $292,000 | $576,000 | $48,000 | $96,000 |
| Debt-To-Income Ratio | 1 | $2,000 | $2,000 | $2,000 | $17,000 | $17,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bethany Bank & Trust, NA's 2004 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, NA'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
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