First United Bank and Trust Company Mortgage Lending & HMDA Data, 2014

In 2014, First United Bank and Trust Company of Durant, OK reported 7,391 mortgage applications totaling $1.3 billion, down 10% from 2013. The average application was for $181,564, and applicants reported an average income of $97,843. 73% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (1,914), Dallas-Plano-Irving, TX (1,545) and Tulsa, OK (1,253) (applications in parentheses).

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 7,391
Total Mortgage Loan Application Amount $1,341,943,000
Average Mortgage Loan Application Amount $181,564
Highest Mortgage Loan Application Amount $1,551,000
Average Applicant Income $97,843
Highest Applicant Income $2,230,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First United Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for First United Bank and Trust Company by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Oklahoma, Oklahoma 963 $ 155,024,000 $ 160,980 $ 79,000
Tarrant, Texas 715 $ 159,913,000 $ 223,654 $ 125,000
Tulsa, Oklahoma 696 $ 117,096,000 $ 168,241 $ 89,000
Denton, Texas 536 $ 128,249,000 $ 239,270 $ 121,000
Dallas, Texas 474 $ 115,837,000 $ 244,381 $ 141,000
Cleveland, Oklahoma 468 $ 77,119,000 $ 164,784 $ 79,000
Collin, Texas 449 $ 110,581,000 $ 246,282 $ 149,000
Bryan, Oklahoma 323 $ 36,940,000 $ 114,365 $ 65,000
Pottawatomie, Oklahoma 280 $ 34,407,000 $ 122,882 $ 59,000
Canadian, Oklahoma 242 $ 39,338,000 $ 162,553 $ 77,000
Rogers, Oklahoma 216 $ 35,711,000 $ 165,328 $ 81,000
Creek, Oklahoma 140 $ 18,767,000 $ 134,050 $ 68,000
Wagoner, Oklahoma 125 $ 20,264,000 $ 162,112 $ 70,000
Garvin, Oklahoma 118 $ 11,971,000 $ 101,449 $ 62,000
Muskogee, Oklahoma 103 $ 14,062,000 $ 136,524 $ 69,000
Pontotoc, Oklahoma 101 $ 12,175,000 $ 120,544 $ 62,000
Grady, Oklahoma 79 $ 12,545,000 $ 158,797 $ 75,000
Carter, Oklahoma 74 $ 9,771,000 $ 132,040 $ 66,000
McClain, Oklahoma 70 $ 12,520,000 $ 178,857 $ 95,000
Logan, Oklahoma 61 $ 14,503,000 $ 237,754 $ 98,000
Hughes, Oklahoma 58 $ 3,980,000 $ 68,620 $ 64,000
Grayson, Texas 55 $ 10,540,000 $ 191,636 $ 133,000
Johnson, Texas 55 $ 9,516,000 $ 173,018 $ 94,000
Harris, Texas 50 $ 12,429,000 $ 248,580 $ 153,000
Seminole, Oklahoma 48 $ 4,790,000 $ 99,791 $ 67,000
Marshall, Oklahoma 47 $ 3,808,000 $ 81,021 $ 74,000
Rockwall, Texas 41 $ 10,426,000 $ 254,292 $ 117,000
Osage, Oklahoma 40 $ 6,658,000 $ 166,450 $ 78,000
Travis, Texas 37 $ 9,914,000 $ 267,945 $ 139,000
Lincoln, Oklahoma 31 $ 4,462,000 $ 143,935 $ 67,000
Parker, Texas 31 $ 8,555,000 $ 275,967 $ 117,000
Bexar, Texas 30 $ 5,118,000 $ 170,600 $ 186,000
Cherokee, Oklahoma 25 $ 4,234,000 $ 169,360 $ 94,000
Choctaw, Oklahoma 25 $ 2,358,000 $ 94,320 $ 74,000
Atoka, Oklahoma 24 $ 2,935,000 $ 122,291 $ 78,000
Stephens, Oklahoma 21 $ 2,682,000 $ 127,714 $ 66,000
Mayes, Oklahoma 20 $ 2,987,000 $ 149,350 $ 67,000
Okmulgee, Oklahoma 20 $ 3,183,000 $ 159,150 $ 56,000
Kaufman, Texas 20 $ 3,609,000 $ 180,450 $ 112,000
Johnston, Oklahoma 17 $ 946,000 $ 55,647 $ 56,000
Murray, Oklahoma 17 $ 1,965,000 $ 115,588 $ 80,000
Payne, Oklahoma 17 $ 2,729,000 $ 160,529 $ 77,000
Pawnee, Oklahoma 16 $ 3,146,000 $ 196,625 $ 91,000
Cooke, Texas 16 $ 3,655,000 $ 228,437 $ 132,000
McCurtain, Oklahoma 14 $ 2,630,000 $ 187,857 $ 155,000
Ellis, Texas 14 $ 3,694,000 $ 263,857 $ 141,000
Kingfisher, Oklahoma 11 $ 1,645,000 $ 149,545 $ 68,000
Pittsburg, Oklahoma 11 $ 1,132,000 $ 102,909 $ 60,000
Fort Bend, Texas 11 $ 2,968,000 $ 269,818 $ 139,000
Hunt, Texas 11 $ 1,756,000 $ 159,636 $ 98,000
Williamson, Texas 11 $ 2,928,000 $ 266,181 $ 181,000
Love, Oklahoma 10 $ 1,405,000 $ 140,500 $ 87,000
Montgomery, Texas 10 $ 2,920,000 $ 292,000 $ 114,000
Custer, Oklahoma 9 $ 1,130,000 $ 125,555 $ 61,000
Garfield, Oklahoma 9 $ 1,314,000 $ 146,000 $ 69,000
Henderson, Texas 9 $ 1,896,000 $ 210,666 $ 196,000
McIntosh, Oklahoma 8 $ 1,293,000 $ 161,625 $ 76,000
Woodward, Oklahoma 8 $ 2,075,000 $ 259,375 $ 116,000
Wise, Texas 8 $ 1,933,000 $ 241,625 $ 89,000
Caddo, Oklahoma 7 $ 802,000 $ 114,571 $ 101,000
Delaware, Oklahoma 7 $ 1,121,000 $ 160,142 $ 112,000
Pushmataha, Oklahoma 7 $ 582,000 $ 83,142 $ 44,000
Sequoyah, Oklahoma 7 $ 1,028,000 $ 146,857 $ 74,000
Brazoria, Texas 7 $ 1,196,000 $ 170,857 $ 128,000
Hays, Texas 7 $ 3,534,000 $ 504,857 $ 145,000
Taylor, Texas 7 $ 1,099,000 $ 157,000 $ 164,000
Okfuskee, Oklahoma 5 $ 525,000 $ 105,000 $ 62,000
Washington, Oklahoma 5 $ 1,173,000 $ 234,600 $ 108,000
Brazos, Texas 5 $ 1,150,000 $ 230,000 $ 237,000
Palo Pinto, Texas 5 $ 2,129,000 $ 425,800 $ 423,000
Bastrop, Texas 4 $ 712,000 $ 178,000 $ 73,000
Ector, Texas 4 $ 637,000 $ 159,250 $ 97,000
Fannin, Texas 4 $ 387,000 $ 96,750 $ 48,000
Franklin, Texas 4 $ 776,000 $ 194,000 $ 123,000
Blaine, Oklahoma 3 $ 699,000 $ 233,000 $ 98,000
Haskell, Oklahoma 3 $ 362,000 $ 120,666 $ 66,000
Kay, Oklahoma 3 $ 544,000 $ 181,333 $ 90,000
Texas, Oklahoma 3 $ 380,000 $ 126,666 $ 70,000
Hill, Texas 3 $ 418,000 $ 139,333 $ 79,000
Maricopa, Arizona 2 $ 834,000 $ 417,000 $ 101,000
Pulaski, Arkansas 2 $ 244,000 $ 122,000 $ 36,000
Saline, Arkansas 2 $ 339,000 $ 169,500 $ 114,000
Sebastian, Arkansas 2 $ 278,000 $ 139,000 $ 41,000
Archuleta, Colorado 2 $ 350,000 $ 175,000 $ 201,000
Jefferson, Colorado 2 $ 689,000 $ 344,500 $ 154,000
Larimer, Colorado 2 $ 508,000 $ 254,000 $ 129,000
Broward, Florida 2 $ 353,000 $ 176,500 $ 67,000
Hawaii, Hawaii 2 $ 313,000 $ 156,500 $ 128,000
Ottawa, Michigan 2 $ 680,000 $ 340,000 $ 165,000
Jackson, Missouri 2 $ 482,000 $ 241,000 $ 115,000
St. Louis City, Missouri 2 $ 157,000 $ 78,500 $ 406,000
Davidson, North Carolina 2 $ 308,000 $ 154,000 $ 73,000
Beaver, Oklahoma 2 $ 551,000 $ 275,500 $ 125,000
Coal, Oklahoma 2 $ 196,000 $ 98,000 $ 49,000
Comanche, Oklahoma 2 $ 208,000 $ 104,000 $ 45,000
Dewey, Oklahoma 2 $ 500,000 $ 250,000 $ 59,000
Latimer, Oklahoma 2 $ 361,000 $ 180,500 $ 114,000
Le Flore, Oklahoma 2 $ 247,000 $ 123,500 $ 42,000
Major, Oklahoma 2 $ 386,000 $ 193,000 $ 167,000
Ottawa, Oklahoma 2 $ 178,000 $ 89,000 $ 41,000
Roger Mills, Oklahoma 2 $ 421,000 $ 210,500 $ 148,000
Angelina, Texas 2 $ 420,000 $ 210,000 $ 58,000
Galveston, Texas 2 $ 244,000 $ 122,000 $ 65,000
McLennan, Texas 2 $ 225,000 $ 112,500 $ 227,000
Midland, Texas 2 $ 435,000 $ 217,500 $ 227,000
Montague, Texas 2 $ 330,000 $ 165,000 $ 74,000
Pecos, Texas 2 $ 167,000 $ 83,500 $ 60,000
Randall, Texas 2 $ 349,000 $ 174,500 $ 333,000
Rusk, Texas 2 $ 561,000 $ 280,500 $ 95,000
Smith, Texas 2 $ 347,000 $ 173,500 $ 96,000
Upshur, Texas 2 $ 544,000 $ 272,000 $ 72,000
Wichita, Texas 2 $ 430,000 $ 215,000 $ 145,000
Uintah, Utah 2 $ 820,000 $ 410,000 $ 270,000
Crawford, Arkansas 1 $ 154,000 $ 154,000 $ 149,000
Independence, Arkansas 1 $ 149,000 $ 149,000 $ 87,000
Lonoke, Arkansas 1 $ 116,000 $ 116,000 $ 57,000
Washington, Arkansas 1 $ 196,000 $ 196,000 $ 105,000
El Dorado, California 1 $ 378,000 $ 378,000 $ 437,000
San Joaquin, California 1 $ 175,000 $ 175,000 $ 65,000
Adams, Colorado 1 $ 160,000 $ 160,000 $ 43,000
Denver, Colorado 1 $ 325,000 $ 325,000 $ 150,000
Douglas, Colorado 1 $ 414,000 $ 414,000 $ 256,000
Pueblo, Colorado 1 $ 248,000 $ 248,000 $ 222,000
Summit, Colorado 1 $ 439,000 $ 439,000 $ 679,000
Palm Beach, Florida 1 $ 186,000 $ 186,000 $ 18,000
Volusia, Florida 1 $ 258,000 $ 258,000 $ 61,000
Forsyth, Georgia 1 $ 335,000 $ 335,000 $ 307,000
Gilmer, Georgia 1 $ 156,000 $ 156,000 $ 84,000
Walton, Georgia 1 $ 219,000 $ 219,000 $ 131,000
Ada, Idaho 1 $ 399,000 $ 399,000 $ 140,000
Cook, Illinois 1 $ 600,000 $ 600,000 $ 166,000
DuPage, Illinois 1 $ 297,000 $ 297,000 $ 175,000
Comanche, Kansas 1 $ 229,000 $ 229,000 $ 102,000
Johnson, Kansas 1 $ 313,000 $ 313,000 $ 175,000
St. Tammany, Louisiana 1 $ 312,000 $ 312,000 $ 286,000
Montgomery, Maryland 1 $ 300,000 $ 300,000 $ 227,000
Barry, Michigan 1 $ 240,000 $ 240,000 $ 110,000
Harrison, Mississippi 1 $ 55,000 $ 55,000 $ 121,000
Cass, Missouri 1 $ 210,000 $ 210,000 $ 44,000
Platte, Missouri 1 $ 252,000 $ 252,000 $ 109,000
Clark, Nevada 1 $ 117,000 $ 117,000 $ 188,000
Douglas, Nevada 1 $ 576,000 $ 576,000 $ 781,000
Dona Ana, New Mexico 1 $ 145,000 $ 145,000 $ 197,000
Monroe, New York 1 $ 282,000 $ 282,000 $ 204,000
Ulster, New York 1 $ 484,000 $ 484,000 $ 276,000
Gaston, North Carolina 1 $ 150,000 $ 150,000 $ 252,000
Adair, Oklahoma 1 $ 390,000 $ 390,000 $ 147,000
Beckham, Oklahoma 1 $ 225,000 $ 225,000 $ 71,000
Craig, Oklahoma 1 $ 55,000 $ 55,000 $ 90,000
Jackson, Oklahoma 1 $ 135,000 $ 135,000 $ 59,000
Noble, Oklahoma 1 $ 221,000 $ 221,000 $ 104,000
Nowata, Oklahoma 1 $ 138,000 $ 138,000 $ 76,000
Woods, Oklahoma 1 $ 172,000 $ 172,000 $ 54,000
Charleston, South Carolina 1 $ 326,000 $ 326,000 $ 203,000
Sumner, Tennessee 1 $ 417,000 $ 417,000 $ 189,000
Bell, Texas 1 $ 80,000 $ 80,000 $ 69,000
Bowie, Texas 1 $ 207,000 $ 207,000 $ 173,000
Cameron, Texas 1 $ 277,000 $ 277,000 $ 186,000
Chambers, Texas 1 $ 188,000 $ 188,000 $ 101,000
Childress, Texas 1 $ 30,000 $ 30,000 $ 101,000
Coryell, Texas 1 $ 104,000 $ 104,000 $ 96,000
DeWitt, Texas 1 $ 152,000 $ 152,000 $ 56,000
Erath, Texas 1 $ 320,000 $ 320,000 $ 131,000
Gaines, Texas 1 $ 360,000 $ 360,000 $ 89,000
Gregg, Texas 1 $ 177,000 $ 177,000 $ 76,000
Hardeman, Texas 1 $ 86,000 $ 86,000 $ 103,000
Hood, Texas 1 $ 337,000 $ 337,000 $ 119,000
Jefferson, Texas 1 $ 127,000 $ 127,000 $ 85,000
Kendall, Texas 1 $ 231,000 $ 231,000 $ 59,000
Liberty, Texas 1 $ 113,000 $ 113,000 $ 165,000
Llano, Texas 1 $ 210,000 $ 210,000 $ 105,000
Madison, Texas 1 $ 213,000 $ 213,000 $ 103,000
Medina, Texas 1 $ 337,000 $ 337,000 $ 189,000
Navarro, Texas 1 $ 70,000 $ 70,000 $ 74,000
Nolan, Texas 1 $ 135,000 $ 135,000 $ 85,000
Nueces, Texas 1 $ 193,000 $ 193,000 $ 96,000
Orange, Texas 1 $ 58,000 $ 58,000 $ 25,000
Potter, Texas 1 $ 117,000 $ 117,000 $ 0
Refugio, Texas 1 $ 94,000 $ 94,000 $ 66,000
San Jacinto, Texas 1 $ 148,000 $ 148,000 $ 183,000
San Patricio, Texas 1 $ 154,000 $ 154,000 $ 83,000
Van Zandt, Texas 1 $ 194,000 $ 194,000 $ 92,000
Victoria, Texas 1 $ 219,000 $ 219,000 $ 73,000
Waller, Texas 1 $ 415,000 $ 415,000 $ 117,000
Wood, Texas 1 $ 119,000 $ 119,000 $ 370,000
Rutland, Vermont 1 $ 88,000 $ 88,000 $ 219,000
Fairfax, Virginia 1 $ 360,000 $ 360,000 $ 405,000
Warren, Virginia 1 $ 236,000 $ 236,000 $ 79,000

Mortgage Loan Application Detail Totals for First United Bank and Trust Company in 2014

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 5,753 $1,063,506,000 $184,000 $1,551,000 $97,000 $2,230,000
Refinancing 1,505 $266,543,000 $177,000 $1,251,000 $103,000 $1,478,000
Home Improvement 133 $11,894,000 $89,000 $1,144,000 $76,000 $512,000

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 5,406 $1,007,353,000 $186,000 $1,510,000 $102,000 $2,230,000
Not Provided 468 $83,121,000 $177,000 $1,500,000 $98,000 $547,000
Hispanic 416 $61,227,000 $147,000 $1,000,000 $70,000 $373,000
American Indian or Alaskan Native 367 $52,077,000 $141,000 $585,000 $71,000 $491,000
Asian 360 $71,172,000 $197,000 $1,000,000 $124,000 $1,167,000
Black or African American 251 $45,140,000 $179,000 $1,488,000 $92,000 $925,000
Not applicable 109 $19,071,000 $174,000 $1,551,000 $0 $0
Native Hawaiian or Other Pacific Islander 14 $2,782,000 $198,000 $417,000 $106,000 $270,000

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) 4,909 $965,373,000 $196,000 $1,551,000 $114,000 $2,230,000
FHA-insured (Federal Housing Administration) 1,632 $230,612,000 $141,000 $374,000 $64,000 $607,000
VA-guaranteed (Veterans Administration) 514 $104,587,000 $203,000 $747,000 $83,000 $303,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 336 $41,371,000 $123,000 $347,000 $46,000 $137,000

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 5,404 $976,876,000 $180,000 $1,551,000 $96,000 $2,230,000
Application Withdrawn By Applicant 1,148 $229,811,000 $200,000 $1,248,000 $116,000 $1,478,000
Application Denied By Financial Institution 442 $67,527,000 $152,000 $1,500,000 $75,000 $1,320,000
Application Approved But Not Accepted 396 $67,569,000 $170,000 $1,239,000 $97,000 $1,005,000
File Closed For Incompleteness 1 $160,000 $160,000 $160,000 $47,000 $47,000
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
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 2014 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.
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