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records First United Bank and Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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