First Security Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, First Security Bank & Trust Company of Oklahoma City, OK reported 202 mortgage applications totaling $39.4 million, up 6% from 2024. The average application was for $195,148, and applicants reported an average income of $85,847. 87% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Oklahoma City, OK (174), Tulsa, OK (9) and Lawton, OK (3) (applications in parentheses).
| 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 | 202 |
| Total Mortgage Loan Application Amount | $39,420,000 |
| Average Mortgage Loan Application Amount | $195,148 |
| Highest Mortgage Loan Application Amount | $2,285,000 |
| Average Applicant Income | $85,847 |
| Highest Applicant Income | $279,000 |
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First Security Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 174 | $ 32,510,000 | $ 186,839 | $ 95,000 |
| Outside any metro area | 13 | $ 3,905,000 | $ 300,384 | $ 24,000 |
| Tulsa, OK | 9 | $ 1,965,000 | $ 218,333 | $ 124,000 |
| Lawton, OK | 3 | $ 165,000 | $ 55,000 | $ 80,000 |
| Enid, OK | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for First Security Bank & Trust Company in 2025
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 | 169 | $31,915,000 | $188,000 | $1,785,000 | $84,000 | $279,000 |
| Cash-out Refinancing | 28 | $7,110,000 | $253,000 | $2,285,000 | $97,000 | $148,000 |
| Refinancing | 5 | $395,000 | $79,000 | $105,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 184 | $36,860,000 | $200,000 | $2,285,000 | $0 | $0 |
| White | 10 | $1,770,000 | $177,000 | $395,000 | $102,000 | $279,000 |
| Black or African American | 7 | $705,000 | $100,000 | $225,000 | $77,000 | $117,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 202 | $39,420,000 | $195,000 | $2,285,000 | $88,000 | $279,000 |
| 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 | 176 | $35,380,000 | $201,000 | $2,285,000 | $86,000 | $279,000 |
| Application Withdrawn By Applicant | 25 | $3,955,000 | $158,000 | $365,000 | $128,000 | $239,000 |
| Application Denied By Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 202 | $39,420,000 | $195,000 | $2,285,000 | $88,000 | $279,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Security Bank & Trust Company's 2025 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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