First United Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First United Bank And Trust Company 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First United Bank And Trust Company Po Box 130 Durant, OK 74702 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,646 |
| Total Mortgage Loan Application Amount | $111,684,000 |
| Average Mortgage Loan Application Amount | $96,777 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $57,333 |
| Highest Applicant Income | $1,508,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First United Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First United Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First United Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First United Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by First United Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First United Bank And Trust Company's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bryan County Oklahoma | 399 | $ 22,919,000 | $ 57,000 | $ 44,000 |
| Pottawatomie County Oklahoma | 134 | $ 8,767,000 | $ 65,000 | $ 39,000 |
| Garvin County Oklahoma | 128 | $ 6,981,000 | $ 54,000 | $ 38,000 |
| Seminole County Oklahoma | 115 | $ 5,448,000 | $ 47,000 | $ 39,000 |
| Hughes County Oklahoma | 99 | $ 4,868,000 | $ 49,000 | $ 37,000 |
| Pontotoc County Oklahoma | 91 | $ 6,887,000 | $ 75,000 | $ 46,000 |
| Denton County Texas | 88 | $ 8,058,000 | $ 91,000 | $ 65,000 |
| Creek County Oklahoma | 73 | $ 5,588,000 | $ 76,000 | $ 48,000 |
| Choctaw County Oklahoma | 62 | $ 4,136,000 | $ 66,000 | $ 36,000 |
| Marshall County Oklahoma | 60 | $ 3,342,000 | $ 55,000 | $ 47,000 |
| Collin County Texas | 35 | $ 4,356,000 | $ 124,000 | $ 86,000 |
| Grayson County Texas | 27 | $ 2,493,000 | $ 92,000 | $ 51,000 |
| Tarrant County Texas | 23 | $ 2,022,000 | $ 87,000 | $ 81,000 |
| Atoka County Oklahoma | 21 | $ 1,271,000 | $ 60,000 | $ 47,000 |
| Johnston County Oklahoma | 20 | $ 1,382,000 | $ 69,000 | $ 44,000 |
| Oklahoma County Oklahoma | 20 | $ 2,169,000 | $ 108,000 | $ 48,000 |
| Lincoln County Oklahoma | 15 | $ 802,000 | $ 53,000 | $ 39,000 |
| Tulsa County Oklahoma | 15 | $ 2,104,000 | $ 140,000 | $ 64,000 |
| Cleveland County Oklahoma | 13 | $ 962,000 | $ 74,000 | $ 50,000 |
| Dallas County Texas | 13 | $ 1,252,000 | $ 96,000 | $ 74,000 |
| Carter County Oklahoma | 9 | $ 791,000 | $ 87,000 | $ 55,000 |
| Cooke County Texas | 9 | $ 869,000 | $ 96,000 | $ 58,000 |
| Bexar County Texas | 8 | $ 1,095,000 | $ 136,000 | $ 128,000 |
| Murray County Oklahoma | 7 | $ 354,000 | $ 50,000 | $ 39,000 |
| Pushmataha County Oklahoma | 7 | $ 586,000 | $ 83,000 | $ 71,000 |
| McClain County Oklahoma | 6 | $ 452,000 | $ 75,000 | $ 33,000 |
| McCurtain County Oklahoma | 6 | $ 602,000 | $ 100,000 | $ 101,000 |
| Canadian County Oklahoma | 4 | $ 418,000 | $ 104,000 | $ 29,000 |
| Hunt County Texas | 4 | $ 431,000 | $ 107,000 | $ 104,000 |
| Wise County Texas | 4 | $ 412,000 | $ 103,000 | $ 103,000 |
| Coal County Oklahoma | 3 | $ 112,000 | $ 37,000 | $ 26,000 |
| Grady County Oklahoma | 3 | $ 522,000 | $ 174,000 | $ 77,000 |
| Okfuskee County Oklahoma | 3 | $ 165,000 | $ 55,000 | $ 44,000 |
| Osage County Oklahoma | 3 | $ 149,000 | $ 49,000 | $ 36,000 |
| Payne County Oklahoma | 3 | $ 100,000 | $ 33,000 | $ 19,000 |
| Delaware County Oklahoma | 2 | $ 358,000 | $ 179,000 | $ 106,000 |
| Harper County Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 94,000 |
| Love County Oklahoma | 2 | $ 146,000 | $ 73,000 | $ 62,000 |
| Pittsburg County Oklahoma | 2 | $ 189,000 | $ 94,000 | $ 81,000 |
| Rogers County Oklahoma | 2 | $ 98,000 | $ 49,000 | $ 34,000 |
| Stephens County Oklahoma | 2 | $ 132,000 | $ 66,000 | $ 81,000 |
| Washington County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 47,000 |
| Ellis County Texas | 2 | $ 135,000 | $ 67,000 | $ 0 |
| Lamar County Texas | 2 | $ 40,000 | $ 20,000 | $ 75,000 |
| Medina County Texas | 2 | $ 70,000 | $ 35,000 | $ 170,000 |
| Rockwall County Texas | 2 | $ 144,000 | $ 72,000 | $ 67,000 |
| Travis County Texas | 2 | $ 193,000 | $ 96,000 | $ 50,000 |
| Wichita County Texas | 2 | $ 185,000 | $ 92,000 | $ 600,000 |
| Williamson County Texas | 2 | $ 202,000 | $ 101,000 | $ 46,000 |
| Johnson County Kansas | 1 | $ 171,000 | $ 171,000 | $ 66,000 |
| Jefferson County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 56,000 |
| Haskell County Oklahoma | 1 | $ 43,000 | $ 43,000 | $ 23,000 |
| Jackson County Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 22,000 |
| McIntosh County Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 70,000 |
| Muskogee County Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 100,000 |
| Noble County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 120,000 |
| Okmulgee County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Wagoner County Oklahoma | 1 | $ 59,000 | $ 59,000 | $ 26,000 |
| Bell County Texas | 1 | $ 270,000 | $ 270,000 | $ 323,000 |
| Burnet County Texas | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Fannin County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Franklin County Texas | 1 | $ 850,000 | $ 850,000 | $ 225,000 |
| Galveston County Texas | 1 | $ 160,000 | $ 160,000 | $ 115,000 |
| Harrison County Texas | 1 | $ 144,000 | $ 144,000 | $ 342,000 |
| Hopkins County Texas | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Johnson County Texas | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Jones County Texas | 1 | $ 50,000 | $ 50,000 | $ 17,000 |
| Kaufman County Texas | 1 | $ 62,000 | $ 62,000 | $ 69,000 |
| Lubbock County Texas | 1 | $ 61,000 | $ 61,000 | $ 57,000 |
| Lynn County Texas | 1 | $ 18,000 | $ 18,000 | $ 25,000 |
| Parker County Texas | 1 | $ 12,000 | $ 12,000 | $ 34,000 |
| Randall County Texas | 1 | $ 29,000 | $ 29,000 | $ 12,000 |
| Smith County Texas | 1 | $ 116,000 | $ 116,000 | $ 183,000 |
Mortgage Loan Application Detail Totals for First United Bank And 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 | 960 | $63,722,000 | $118,800 | $850,000 | $54,800 | $1,508,000 |
| Refinancing | 563 | $43,759,000 | $94,500 | $392,000 | $65,000 | $384,000 |
| Home Improvement | 123 | $4,203,000 | $44,000 | $250,000 | $56,000 | $360,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,328 | $90,989,000 | $73,666 | $525,000 | $58,000 | $1,508,000 |
| Hispanic | 92 | $5,549,000 | $95,500 | $228,000 | $42,250 | $135,000 |
| American Indian or Alaskan Native | 84 | $3,785,000 | $54,000 | $186,000 | $41,333 | $147,000 |
| Not applicable | 53 | $3,621,000 | $118,500 | $450,000 | $4,000 | $132,000 |
| Not Provided | 51 | $4,541,000 | $85,333 | $850,000 | $53,666 | $323,000 |
| Black or African American | 27 | $1,706,000 | $77,666 | $206,000 | $40,666 | $115,000 |
| Asian | 9 | $1,260,000 | $147,666 | $310,000 | $75,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $233,000 | $116,000 | $191,000 | $47,000 | $65,000 |
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) | 1,641 | $111,327,000 | $119,800 | $850,000 | $55,400 | $1,508,000 |
| FHA-insured (Federal Housing Administration) | 2 | $134,000 | $67,000 | $68,000 | $35,000 | $40,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $174,000 | $87,000 | $97,000 | $32,000 | $36,000 |
| VA-guaranteed (Veterans Administration) | 1 | $49,000 | $49,000 | $49,000 | $55,000 | $55,000 |
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 | 1,170 | $82,282,000 | $135,750 | $850,000 | $65,500 | $1,508,000 |
| Application Denied By Financial Institution | 223 | $11,595,000 | $56,500 | $340,000 | $41,500 | $247,000 |
| Application Withdrawn By Applicant | 188 | $14,113,000 | $95,500 | $340,000 | $55,500 | $300,000 |
| Preapproval Denied by Financial Institution | 64 | $3,654,000 | $57,000 | $142,000 | $27,000 | $180,000 |
| Application Approved But Not Accepted | 1 | $40,000 | $40,000 | $40,000 | $60,000 | $60,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| 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 United Bank And 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 United Bank And 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.