First Security Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, First Security Bank & Trust Company of Oklahoma City, OK reported 102 mortgage applications totaling $4.7 million, up 32% from 2004. The average application was for $46,372, and applicants reported an average income of $64,676. 89% of its applications resulted in an originated loan and 3% were denied. Its largest market was Oklahoma City, OK (101).
| 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 | 102 |
| Total Mortgage Loan Application Amount | $4,730,000 |
| Average Mortgage Loan Application Amount | $46,372 |
| Highest Mortgage Loan Application Amount | $195,000 |
| Average Applicant Income | $64,676 |
| Highest Applicant Income | $589,000 |
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First Security Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Security Bank & Trust Company in 2005
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 | 87 | $4,120,000 | $47,000 | $137,000 | $65,000 | $589,000 |
| Home Improvement | 9 | $187,000 | $20,000 | $62,000 | $54,000 | $145,000 |
| Refinancing | 6 | $423,000 | $70,000 | $195,000 | $76,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 47 | $2,108,000 | $44,000 | $111,000 | $71,000 | $589,000 |
| Not applicable | 24 | $932,000 | $38,000 | $67,000 | $25,000 | $119,000 |
| White | 23 | $1,240,000 | $53,000 | $195,000 | $85,000 | $180,000 |
| Asian | 5 | $286,000 | $57,000 | $82,000 | $45,000 | $63,000 |
| Hispanic | 2 | $149,000 | $74,000 | $126,000 | $61,000 | $74,000 |
| Not Provided | 1 | $15,000 | $15,000 | $15,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 102 | $4,730,000 | $46,000 | $195,000 | $65,000 | $589,000 |
| 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 | 91 | $4,342,000 | $47,000 | $195,000 | $68,000 | $589,000 |
| Application Approved But Not Accepted | 8 | $348,000 | $43,000 | $80,000 | $67,000 | $180,000 |
| Application Denied By Financial Institution | 3 | $40,000 | $13,000 | $20,000 | $39,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $25,000 | $12,000 | $20,000 | $24,000 | $42,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $54,000 | $54,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Security Bank & Trust Company's 2005 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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