First United Bank and Trust Co Mortgage Lending & HMDA Data, 2024
In 2024, First United Bank and Trust Co of Durant, OK reported 10,342 mortgage applications totaling $3.6 billion, down 4% from 2023. The average application was for $352,202, and applicants reported an average income of $183,444. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (2,376), Dallas-Plano-Irving, TX (1,332) and Tulsa, OK (1,105) (applications in parentheses).
| Mortgage Company & Address | First United Bank and Trust Co Po Box 130 Durant, OK 74702 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 10,342 |
| Total Mortgage Loan Application Amount | $3,642,480,000 |
| Average Mortgage Loan Application Amount | $352,202 |
| Highest Mortgage Loan Application Amount | $47,835,000 |
| Average Applicant Income | $183,444 |
| Highest Applicant Income | $6,952,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First United Bank and Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,376 | $ 559,950,000 | $ 235,669 | $ 131,000 |
| Outside any metro area | 2,242 | $ 498,880,000 | $ 222,515 | $ 137,841 |
| Dallas-Plano-Irving, TX | 1,332 | $ 712,500,000 | $ 534,909 | $ 272,000 |
| Tulsa, OK | 1,105 | $ 296,595,000 | $ 268,411 | $ 126,000 |
| Austin-Round Rock, TX | 996 | $ 660,830,000 | $ 663,483 | $ 318,000 |
| Fort Worth-Arlington, TX | 729 | $ 353,205,000 | $ 484,506 | $ 188,000 |
| Sherman-Denison, TX | 387 | $ 111,855,000 | $ 289,031 | $ 148,000 |
| San Antonio-New Braunfels, TX | 320 | $ 139,030,000 | $ 434,468 | $ 237,000 |
| Houston-The Woodlands-Sugar Land, TX | 285 | $ 125,285,000 | $ 439,596 | $ 226,000 |
| Lawton, OK | 246 | $ 53,340,000 | $ 216,829 | $ 97,000 |
| Killeen-Temple, TX | 51 | $ 16,355,000 | $ 320,686 | $ 140,000 |
| Corpus Christi, TX | 17 | $ 8,955,000 | $ 526,764 | $ 541,000 |
| Waco, TX | 13 | $ 3,495,000 | $ 268,846 | $ 117,000 |
| Colorado Springs, CO | 8 | $ 2,860,000 | $ 357,500 | $ 123,000 |
| Fort Smith, AR-OK | 8 | $ 2,120,000 | $ 265,000 | $ 111,500 |
| Tyler, TX | 8 | $ 4,160,000 | $ 520,000 | $ 240,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 3,455,000 | $ 493,571 | $ 266,000 |
| College Station-Bryan, TX | 6 | $ 6,850,000 | $ 1,141,666 | $ 206,000 |
| Enid, OK | 6 | $ 1,620,000 | $ 270,000 | $ 102,000 |
| Kansas City, MO-KS | 6 | $ 2,210,000 | $ 368,333 | $ 190,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 1,300,000 | $ 216,666 | $ 80,000 |
| Midland, TX | 6 | $ 3,160,000 | $ 526,666 | $ 344,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 2,985,000 | $ 597,000 | $ 335,000 |
| Longview, TX | 5 | $ 975,000 | $ 195,000 | $ 156,000 |
| Lubbock, TX | 5 | $ 1,045,000 | $ 209,000 | $ 166,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 2,335,000 | $ 467,000 | $ 153,000 |
| San Angelo, TX | 5 | $ 1,765,000 | $ 353,000 | $ 204,000 |
| Brownsville-Harlingen, TX | 4 | $ 1,280,000 | $ 320,000 | $ 159,000 |
| Chicago-Naperville, IL | 4 | $ 1,850,000 | $ 462,500 | $ 340,000 |
| Columbus, OH | 4 | $ 1,870,000 | $ 467,500 | $ 190,000 |
| St. George, UT | 4 | $ 2,640,000 | $ 660,000 | $ 228,000 |
| Abilene, TX | 3 | $ 605,000 | $ 201,666 | $ 302,000 |
| Amarillo, TX | 3 | $ 1,435,000 | $ 478,333 | $ 715,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,245,000 | $ 415,000 | $ 146,000 |
| Columbia, SC | 3 | $ 815,000 | $ 271,666 | $ 122,000 |
| El Paso, TX | 3 | $ 765,000 | $ 255,000 | $ 75,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 715,000 | $ 238,333 | $ 205,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 805,000 | $ 268,333 | $ 252,000 |
| Laredo, TX | 3 | $ 705,000 | $ 235,000 | $ 81,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 2,755,000 | $ 918,333 | $ 481,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 2,215,000 | $ 738,333 | $ 264,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 475,000 | $ 158,333 | $ 106,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 725,000 | $ 241,666 | $ 1,054,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,215,000 | $ 405,000 | $ 166,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 825,000 | $ 275,000 | $ 53,000 |
| Odessa, TX | 3 | $ 1,225,000 | $ 408,333 | $ 210,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,485,000 | $ 495,000 | $ 182,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,615,000 | $ 538,333 | $ 254,000 |
| Port St. Lucie, FL | 3 | $ 1,105,000 | $ 368,333 | $ 217,000 |
| St. Louis, MO-IL | 3 | $ 1,085,000 | $ 361,666 | $ 240,000 |
| Texarkana, TX-AR | 3 | $ 535,000 | $ 178,333 | $ 190,000 |
| Wichita Falls, TX | 3 | $ 455,000 | $ 151,666 | $ 49,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 890,000 | $ 445,000 | $ 632,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 920,000 | $ 460,000 | $ 269,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 460,000 | $ 230,000 | $ 153,000 |
| Hot Springs, AR | 2 | $ 620,000 | $ 310,000 | $ 114,000 |
| Jacksonville, FL | 2 | $ 670,000 | $ 335,000 | $ 181,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 1,030,000 | $ 515,000 | $ 213,000 |
| Marietta, GA | 2 | $ 950,000 | $ 475,000 | $ 181,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,090,000 | $ 545,000 | $ 482,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 670,000 | $ 335,000 | $ 169,000 |
| Panama City, FL | 2 | $ 460,000 | $ 230,000 | $ 385,000 |
| Rochester, NY | 2 | $ 390,000 | $ 195,000 | $ 394,000 |
| Santa Fe, NM | 2 | $ 640,000 | $ 320,000 | $ 482,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,490,000 | $ 745,000 | $ 272,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Asheville, NC | 1 | $ 535,000 | $ 535,000 | $ 200,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 105,000 | $ 105,000 | $ 238,000 |
| Beaumont-Port Arthur, TX | 1 | $ 1,485,000 | $ 1,485,000 | $ 1,479,000 |
| Bend-Redmond, OR | 1 | $ 2,315,000 | $ 2,315,000 | $ 3,303,000 |
| Boise City, ID | 1 | $ 565,000 | $ 565,000 | $ 191,000 |
| Boulder, CO | 1 | $ 285,000 | $ 285,000 | $ 1,249,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 755,000 | $ 755,000 | $ 779,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 275,000 | $ 275,000 | $ 300,000 |
| Cincinnati, OH-KY-IN | 1 | $ 335,000 | $ 335,000 | $ 131,000 |
| Cleveland, TN | 1 | $ 155,000 | $ 155,000 | $ 241,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 225,000 | $ 225,000 | $ 44,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 405,000 | $ 405,000 | $ 119,000 |
| Duluth, MN-WI | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Elgin, IL | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Greensboro-High Point, NC | 1 | $ 585,000 | $ 585,000 | $ 163,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 545,000 | $ 545,000 | $ 340,000 |
| Harrisburg-Carlisle, PA | 1 | $ 315,000 | $ 315,000 | $ 167,000 |
| Hinesville, GA | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Joplin, MO | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Lafayette-West Lafayette, IN | 1 | $ 305,000 | $ 305,000 | $ 389,000 |
| Las Cruces, NM | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Lewiston-Auburn, ME | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 425,000 | $ 425,000 | $ 183,000 |
| Mobile, AL | 1 | $ 185,000 | $ 185,000 | $ 899,000 |
| Montgomery, AL | 1 | $ 215,000 | $ 215,000 | $ 104,000 |
| Napa, CA | 1 | $ 805,000 | $ 805,000 | $ 193,000 |
| Nassau County-Suffolk County, NY | 1 | $ 705,000 | $ 705,000 | $ 244,000 |
| New Haven-Milford, CT | 1 | $ 475,000 | $ 475,000 | $ 140,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 1,205,000 | $ 1,205,000 | $ 270,000 |
| Ocala, FL | 1 | $ 425,000 | $ 425,000 | $ 627,000 |
| Ogden-Clearfield, UT | 1 | $ 515,000 | $ 515,000 | $ 118,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 245,000 | $ 245,000 | $ 1,351,000 |
| Portland-South Portland, ME | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 595,000 | $ 595,000 | $ 150,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 1,965,000 | $ 1,965,000 | $ 1,053,000 |
| Pueblo, CO | 1 | $ 485,000 | $ 485,000 | $ 264,000 |
| Raleigh, NC | 1 | $ 415,000 | $ 415,000 | $ 122,000 |
| Reno, NV | 1 | $ 755,000 | $ 755,000 | $ 160,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| San Rafael, CA | 1 | $ 725,000 | $ 725,000 | $ 264,000 |
| Savannah, GA | 1 | $ 175,000 | $ 175,000 | $ 854,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Spartanburg, SC | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Spokane-Spokane Valley, WA | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Springfield, MO | 1 | $ 255,000 | $ 255,000 | $ 140,000 |
| Tampa, FL | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Topeka, KS | 1 | $ 125,000 | $ 125,000 | $ 430,000 |
| Tuscaloosa, AL | 1 | $ 545,000 | $ 545,000 | $ 250,000 |
| Victoria, TX | 1 | $ 305,000 | $ 305,000 | $ 134,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 195,000 | $ 195,000 | $ 821,000 |
| Wichita, KS | 1 | $ 385,000 | $ 385,000 | $ 185,000 |
Mortgage Loan Application Detail Totals for First United Bank and Trust Co in 2024
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 | 7,329 | $2,924,025,000 | $398,000 | $47,835,000 | $185,000 | $4,292,000 |
| Other Purpose | 1,093 | $179,745,000 | $164,000 | $3,005,000 | $179,000 | $2,964,000 |
| Refinancing | 1,051 | $322,285,000 | $306,000 | $4,325,000 | $178,000 | $2,835,000 |
| Cash-out Refinancing | 436 | $159,300,000 | $365,000 | $9,005,000 | $183,000 | $6,952,000 |
| Home Improvement | 433 | $57,125,000 | $131,000 | $2,205,000 | $182,000 | $2,696,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 6,142 | $2,137,480,000 | $348,000 | $9,005,000 | $187,000 | $6,952,000 |
| Not Provided | 1,411 | $453,405,000 | $321,000 | $4,325,000 | $198,000 | $2,822,000 |
| Hispanic | 1,021 | $319,075,000 | $312,000 | $2,625,000 | $157,000 | $2,132,000 |
| Asian | 510 | $218,140,000 | $427,000 | $3,005,000 | $240,000 | $1,463,000 |
| Not applicable | 497 | $306,715,000 | $617,000 | $47,835,000 | $0 | $0 |
| American Indian or Alaskan Native | 410 | $97,550,000 | $237,000 | $1,505,000 | $108,000 | $513,000 |
| Black or African American | 328 | $103,310,000 | $314,000 | $2,085,000 | $142,000 | $1,112,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $6,805,000 | $295,000 | $695,000 | $121,000 | $256,000 |
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) | 8,084 | $2,997,940,000 | $370,000 | $47,835,000 | $207,000 | $6,952,000 |
| FHA-insured (Federal Housing Administration) | 1,470 | $371,430,000 | $252,000 | $575,000 | $96,000 | $653,000 |
| VA-guaranteed (Veterans Administration) | 732 | $263,030,000 | $359,000 | $1,255,000 | $124,000 | $800,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $10,080,000 | $180,000 | $285,000 | $71,000 | $103,000 |
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 | 7,177 | $2,551,955,000 | $355,000 | $47,835,000 | $188,000 | $6,952,000 |
| Application Withdrawn By Applicant | 2,125 | $809,505,000 | $380,000 | $4,325,000 | $188,000 | $3,303,000 |
| Application Denied By Financial Institution | 590 | $129,540,000 | $219,000 | $3,145,000 | $126,000 | $3,369,000 |
| File Closed For Incompleteness | 294 | $115,460,000 | $392,000 | $2,565,000 | $170,000 | $1,064,000 |
| Application Approved But Not Accepted | 156 | $36,020,000 | $230,000 | $2,475,000 | $172,000 | $1,202,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,752 | $3,512,940,000 | $360,000 | $47,835,000 | $187,000 | $6,952,000 |
| Debt-To-Income Ratio | 310 | $68,140,000 | $219,000 | $2,625,000 | $88,000 | $568,000 |
| Credit History | 133 | $15,095,000 | $113,000 | $545,000 | $109,000 | $450,000 |
| Collateral | 59 | $16,715,000 | $283,000 | $2,505,000 | $222,000 | $1,384,000 |
| Credit Application Incomplete | 29 | $7,765,000 | $267,000 | $2,005,000 | $200,000 | $871,000 |
| Other | 24 | $6,220,000 | $259,000 | $1,005,000 | $194,000 | $1,489,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $10,445,000 | $614,000 | $3,145,000 | $440,000 | $3,369,000 |
| Employment History | 12 | $3,210,000 | $267,000 | $765,000 | $92,000 | $420,000 |
| Unverifiable Information | 6 | $1,950,000 | $325,000 | $425,000 | $64,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First United Bank and Trust Co's 2024 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 United Bank and Trust Co'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.
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