First Security Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, First Security Bank & Trust Company of Oklahoma City, OK reported 65 mortgage applications totaling $3.9 million, down 48% from 2007. The average application was for $59,923, and applicants reported an average income of $32,984. 86% of its applications resulted in an originated loan and 9% were denied. Its largest market was Oklahoma City, OK (65).
| 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 | 65 |
| Total Mortgage Loan Application Amount | $3,895,000 |
| Average Mortgage Loan Application Amount | $59,923 |
| Highest Mortgage Loan Application Amount | $240,000 |
| Average Applicant Income | $32,984 |
| Highest Applicant Income | $266,000 |
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First Security Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 65 | $ 3,895,000 | $ 59,923 | $ 33,000 |
Mortgage Loan Application Detail Totals for First Security Bank & Trust Company in 2008
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 | 52 | $3,295,000 | $63,000 | $240,000 | $33,000 | $266,000 |
| Home Improvement | 8 | $247,000 | $30,000 | $59,000 | $36,000 | $179,000 |
| Refinancing | 5 | $353,000 | $70,000 | $240,000 | $28,000 | $60,000 |
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 | 39 | $1,610,000 | $41,000 | $106,000 | $21,000 | $266,000 |
| Black or African American | 12 | $749,000 | $62,000 | $240,000 | $40,000 | $131,000 |
| White | 10 | $1,005,000 | $100,000 | $240,000 | $60,000 | $179,000 |
| Hispanic | 1 | $173,000 | $173,000 | $173,000 | $103,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $168,000 | $168,000 | $168,000 | $81,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $180,000 | $180,000 | $180,000 | $41,000 | $41,000 |
| Asian | 1 | $10,000 | $10,000 | $10,000 | $53,000 | $53,000 |
| 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) | 65 | $3,895,000 | $59,000 | $240,000 | $33,000 | $266,000 |
| 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 | 56 | $2,997,000 | $53,000 | $240,000 | $33,000 | $266,000 |
| Application Denied By Financial Institution | 6 | $625,000 | $104,000 | $240,000 | $31,000 | $69,000 |
| Application Approved But Not Accepted | 3 | $273,000 | $91,000 | $173,000 | $34,000 | $103,000 |
| Application Withdrawn By Applicant | 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 | 4 | $319,000 | $79,000 | $180,000 | $33,000 | $69,000 |
| Other | 1 | $66,000 | $66,000 | $66,000 | $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 |
| 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 2008 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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