First Security Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, First Security Bank & Trust Company of Oklahoma City, OK reported 56 mortgage applications totaling $2.3 million. The average application was for $41,428, and applicants reported an average income of $125,392. 86% of its applications resulted in an originated loan and 5% were denied. Its largest market was Oklahoma City, OK (55).
| Mortgage Company & Address | First Security Bank & Trust Company Po Box 11287 Oklahoma City, OK 73111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 56 |
| Total Mortgage Loan Application Amount | $2,320,000 |
| Average Mortgage Loan Application Amount | $41,428 |
| Highest Mortgage Loan Application Amount | $160,000 |
| Average Applicant Income | $125,392 |
| Highest Applicant Income | $800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Security Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma, Oklahoma | 48 | $ 1,694,000 | $ 35,291 | $ 116,000 |
| Cleveland, Oklahoma | 6 | $ 563,000 | $ 93,833 | $ 161,000 |
| Pittsburg, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Pottawatomie, Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for First Security Bank & Trust Company in 2003
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 (one-to-four family) | 43 | $1,777,000 | $41,000 | $144,000 | $130,000 | $800,000 |
| Home Improvement (one-to-four family) | 9 | $305,000 | $33,000 | $150,000 | $108,000 | $800,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 4 | $238,000 | $59,000 | $160,000 | $115,000 | $287,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Black | 32 | $1,054,000 | $32,000 | $96,000 | $224,000 | $800,000 |
| Not applicable | 8 | $392,000 | $49,000 | $58,000 | $31,000 | $98,000 |
| White | 8 | $622,000 | $77,000 | $160,000 | $73,000 | $103,000 |
| Hispanic | 4 | $125,000 | $31,000 | $67,000 | $55,000 | $74,000 |
| Information not provided by applicant in mail or telephone application | 4 | $127,000 | $31,000 | $75,000 | $125,000 | $152,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 | $2,320,000 | $41,000 | $160,000 | $122,000 | $800,000 |
| 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 | 48 | $2,027,000 | $42,000 | $160,000 | $129,000 | $800,000 |
| Application Denied By Financial Institution | 3 | $77,000 | $25,000 | $47,000 | $74,000 | $96,000 |
| Application Withdrawn By Applicant | 3 | $116,000 | $38,000 | $45,000 | $209,000 | $287,000 |
| Application Approved But Not Accepted | 2 | $100,000 | $50,000 | $75,000 | $94,000 | $129,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 2 | $30,000 | $15,000 | $20,000 | $78,000 | $96,000 |
| Other | 1 | $47,000 | $47,000 | $47,000 | $67,000 | $67,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Security Bank & Trust Company's 2003 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 Security 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.
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