First United Bank and Trust Company Mortgage Lending & HMDA Data, 2015

In 2015, First United Bank and Trust Company of Durant, OK reported 8,196 mortgage applications totaling $1.6 billion, up 11% from 2014. The average application was for $193,406, and applicants reported an average income of $101,554. 77% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Oklahoma City, OK (2,225), Dallas-Plano-Irving, TX (1,871) and Tulsa, OK (1,224) (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 8,196
Total Mortgage Loan Application Amount $1,585,156,000
Average Mortgage Loan Application Amount $193,406
Highest Mortgage Loan Application Amount $6,150,000
Average Applicant Income $101,554
Highest Applicant Income $2,120,000

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First United Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Oklahoma, Oklahoma 1,127 $ 183,919,000 $ 163,193 $ 90,000
Tarrant, Texas 788 $ 194,563,000 $ 246,907 $ 135,000
Tulsa, Oklahoma 687 $ 117,158,000 $ 170,535 $ 83,000
Denton, Texas 663 $ 181,008,000 $ 273,013 $ 136,000
Cleveland, Oklahoma 607 $ 98,553,000 $ 162,360 $ 77,000
Dallas, Texas 563 $ 149,056,000 $ 264,753 $ 146,000
Collin, Texas 505 $ 131,292,000 $ 259,984 $ 135,000
Bryan, Oklahoma 296 $ 40,642,000 $ 137,304 $ 73,000
Pottawatomie, Oklahoma 281 $ 34,558,000 $ 122,982 $ 67,000
Canadian, Oklahoma 229 $ 37,570,000 $ 164,061 $ 77,000
Rogers, Oklahoma 219 $ 35,760,000 $ 163,287 $ 77,000
Wagoner, Oklahoma 151 $ 25,787,000 $ 170,774 $ 77,000
Garvin, Oklahoma 140 $ 15,904,000 $ 113,600 $ 72,000
Muskogee, Oklahoma 115 $ 15,390,000 $ 133,826 $ 75,000
Creek, Oklahoma 107 $ 15,369,000 $ 143,635 $ 78,000
McClain, Oklahoma 104 $ 18,556,000 $ 178,423 $ 88,000
Carter, Oklahoma 89 $ 11,946,000 $ 134,224 $ 74,000
Pontotoc, Oklahoma 85 $ 12,428,000 $ 146,211 $ 64,000
Rockwall, Texas 80 $ 22,339,000 $ 279,237 $ 117,000
Parker, Texas 77 $ 20,529,000 $ 266,610 $ 129,000
Logan, Oklahoma 70 $ 14,609,000 $ 208,700 $ 88,000
Hughes, Oklahoma 66 $ 4,937,000 $ 74,803 $ 56,000
Grady, Oklahoma 60 $ 9,158,000 $ 152,633 $ 74,000
Marshall, Oklahoma 54 $ 5,197,000 $ 96,240 $ 69,000
Harris, Texas 54 $ 13,094,000 $ 242,481 $ 124,000
Grayson, Texas 49 $ 7,008,000 $ 143,020 $ 98,000
Osage, Oklahoma 43 $ 6,512,000 $ 151,441 $ 77,000
Stephens, Oklahoma 42 $ 5,291,000 $ 125,976 $ 66,000
Seminole, Oklahoma 41 $ 4,722,000 $ 115,170 $ 100,000
Travis, Texas 31 $ 8,559,000 $ 276,096 $ 131,000
Lincoln, Oklahoma 28 $ 3,837,000 $ 137,035 $ 79,000
Mayes, Oklahoma 28 $ 5,398,000 $ 192,785 $ 92,000
Kaufman, Texas 28 $ 5,555,000 $ 198,392 $ 98,000
Johnson, Texas 27 $ 5,334,000 $ 197,555 $ 90,000
Cherokee, Oklahoma 26 $ 3,651,000 $ 140,423 $ 64,000
Atoka, Oklahoma 23 $ 4,092,000 $ 177,913 $ 92,000
Choctaw, Oklahoma 22 $ 1,615,000 $ 73,409 $ 68,000
Garfield, Oklahoma 22 $ 3,662,000 $ 166,454 $ 85,000
Bexar, Texas 21 $ 3,901,000 $ 185,761 $ 131,000
McCurtain, Oklahoma 19 $ 4,257,000 $ 224,052 $ 162,000
Pittsburg, Oklahoma 19 $ 2,770,000 $ 145,789 $ 67,000
Hunt, Texas 17 $ 2,767,000 $ 162,764 $ 82,000
Williamson, Texas 17 $ 3,923,000 $ 230,764 $ 105,000
Fort Bend, Texas 16 $ 4,376,000 $ 273,500 $ 131,000
Cooke, Texas 15 $ 2,818,000 $ 187,866 $ 113,000
Ellis, Texas 15 $ 3,445,000 $ 229,666 $ 110,000
Delaware, Oklahoma 14 $ 3,102,000 $ 221,571 $ 164,000
McIntosh, Oklahoma 14 $ 1,591,000 $ 113,642 $ 75,000
Murray, Oklahoma 14 $ 2,060,000 $ 147,142 $ 86,000
Kingfisher, Oklahoma 13 $ 1,666,000 $ 128,153 $ 76,000
Pushmataha, Oklahoma 13 $ 3,026,000 $ 232,769 $ 125,000
Hood, Texas 12 $ 2,299,000 $ 191,583 $ 92,000
Johnston, Oklahoma 11 $ 922,000 $ 83,818 $ 78,000
Okmulgee, Oklahoma 11 $ 1,415,000 $ 128,636 $ 60,000
Washington, Oklahoma 10 $ 1,290,000 $ 129,000 $ 70,000
McLennan, Texas 10 $ 1,425,000 $ 142,500 $ 82,000
Montgomery, Texas 9 $ 2,519,000 $ 279,888 $ 177,000
Palo Pinto, Texas 9 $ 2,368,000 $ 263,111 $ 274,000
Van Zandt, Texas 8 $ 1,612,000 $ 201,500 $ 83,000
Wise, Texas 8 $ 2,093,000 $ 261,625 $ 104,000
Coal, Oklahoma 7 $ 752,000 $ 107,428 $ 67,000
Payne, Oklahoma 7 $ 1,752,000 $ 250,285 $ 125,000
Henderson, Texas 7 $ 1,746,000 $ 249,428 $ 177,000
Smith, Texas 7 $ 1,118,000 $ 159,714 $ 111,000
Comanche, Oklahoma 6 $ 1,598,000 $ 266,333 $ 130,000
Love, Oklahoma 6 $ 850,000 $ 141,666 $ 84,000
Pawnee, Oklahoma 6 $ 813,000 $ 135,500 $ 67,000
Sequoyah, Oklahoma 6 $ 1,038,000 $ 173,000 $ 140,000
Brazoria, Texas 6 $ 1,364,000 $ 227,333 $ 229,000
Hays, Texas 6 $ 1,187,000 $ 197,833 $ 103,000
Le Flore, Oklahoma 5 $ 630,000 $ 126,000 $ 59,000
Okfuskee, Oklahoma 5 $ 810,000 $ 162,000 $ 82,000
Maricopa, Arizona 4 $ 1,399,000 $ 349,750 $ 128,000
Caddo, Oklahoma 4 $ 161,000 $ 40,250 $ 22,000
Noble, Oklahoma 4 $ 844,000 $ 211,000 $ 101,000
Nowata, Oklahoma 4 $ 435,000 $ 108,750 $ 64,000
Texas, Oklahoma 4 $ 757,000 $ 189,250 $ 97,000
Brazos, Texas 4 $ 588,000 $ 147,000 $ 163,000
Fannin, Texas 4 $ 1,017,000 $ 254,250 $ 166,000
Galveston, Texas 4 $ 812,000 $ 203,000 $ 218,000
Hill, Texas 4 $ 554,000 $ 138,500 $ 125,000
Midland, Texas 4 $ 1,045,000 $ 261,250 $ 264,000
King, Washington 4 $ 2,436,000 $ 609,000 $ 189,000
Pulaski, Arkansas 3 $ 696,000 $ 232,000 $ 137,000
Bay, Florida 3 $ 700,000 $ 233,333 $ 86,000
Haskell, Oklahoma 3 $ 172,000 $ 57,333 $ 96,000
Aransas, Texas 3 $ 546,000 $ 182,000 $ 166,000
Bastrop, Texas 3 $ 540,000 $ 180,000 $ 60,000
Erath, Texas 3 $ 1,185,000 $ 395,000 $ 88,000
Franklin, Texas 3 $ 1,210,000 $ 403,333 $ 183,000
Lamar, Texas 3 $ 241,000 $ 80,333 $ 69,000
Lubbock, Texas 3 $ 355,000 $ 118,333 $ 113,000
Baldwin, Alabama 2 $ 498,000 $ 249,000 $ 126,000
Benton, Arkansas 2 $ 541,000 $ 270,500 $ 101,000
Jefferson, Colorado 2 $ 793,000 $ 396,500 $ 81,000
Brevard, Florida 2 $ 254,000 $ 127,000 $ 70,000
Miami-Dade, Florida 2 $ 1,125,000 $ 562,500 $ 616,000
Orange, Florida 2 $ 883,000 $ 441,500 $ 209,000
Fannin, Georgia 2 $ 225,000 $ 112,500 $ 102,000
Kane, Illinois 2 $ 427,000 $ 213,500 $ 144,000
Sumner, Kansas 2 $ 164,000 $ 82,000 $ 36,000
Macomb, Michigan 2 $ 303,000 $ 151,500 $ 127,000
Clark, Nevada 2 $ 464,000 $ 232,000 $ 103,000
Beckham, Oklahoma 2 $ 509,000 $ 254,500 $ 89,000
Major, Oklahoma 2 $ 343,000 $ 171,500 $ 96,000
Ottawa, Oklahoma 2 $ 272,000 $ 136,000 $ 76,000
Woodward, Oklahoma 2 $ 292,000 $ 146,000 $ 87,000
Bell, Texas 2 $ 359,000 $ 179,500 $ 61,000
Burnet, Texas 2 $ 347,000 $ 173,500 $ 140,000
Ector, Texas 2 $ 292,000 $ 146,000 $ 80,000
El Paso, Texas 2 $ 267,000 $ 133,500 $ 98,000
Harrison, Texas 2 $ 178,000 $ 89,000 $ 41,000
Navarro, Texas 2 $ 723,000 $ 361,500 $ 165,000
Nueces, Texas 2 $ 381,000 $ 190,500 $ 112,000
Upshur, Texas 2 $ 445,000 $ 222,500 $ 34,000
Wood, Texas 2 $ 273,000 $ 136,500 $ 176,000
Mobile, Alabama 1 $ 162,000 $ 162,000 $ 135,000
Kenai Peninsula, Alaska 1 $ 122,000 $ 122,000 $ 36,000
Garland, Arkansas 1 $ 330,000 $ 330,000 $ 179,000
Johnson, Arkansas 1 $ 51,000 $ 51,000 $ 37,000
Saline, Arkansas 1 $ 100,000 $ 100,000 $ 57,000
Sebastian, Arkansas 1 $ 142,000 $ 142,000 $ 42,000
Washington, Arkansas 1 $ 417,000 $ 417,000 $ 180,000
Los Angeles, California 1 $ 328,000 $ 328,000 $ 67,000
Riverside, California 1 $ 272,000 $ 272,000 $ 910,000
Stanislaus, California 1 $ 163,000 $ 163,000 $ 35,000
Chaffee, Colorado 1 $ 254,000 $ 254,000 $ 353,000
Douglas, Colorado 1 $ 372,000 $ 372,000 $ 110,000
Elbert, Colorado 1 $ 340,000 $ 340,000 $ 128,000
Gunnison, Colorado 1 $ 700,000 $ 700,000 $ 400,000
Larimer, Colorado 1 $ 160,000 $ 160,000 $ 66,000
Mesa, Colorado 1 $ 130,000 $ 130,000 $ 42,000
Hillsborough, Florida 1 $ 78,000 $ 78,000 $ 214,000
Palm Beach, Florida 1 $ 194,000 $ 194,000 $ 143,000
Fulton, Georgia 1 $ 190,000 $ 190,000 $ 61,000
Gilmer, Georgia 1 $ 276,000 $ 276,000 $ 90,000
DuPage, Illinois 1 $ 135,000 $ 135,000 $ 52,000
Douglas, Kansas 1 $ 141,000 $ 141,000 $ 23,000
Lyon, Kansas 1 $ 52,000 $ 52,000 $ 42,000
Graves, Kentucky 1 $ 68,000 $ 68,000 $ 65,000
Bossier, Louisiana 1 $ 174,000 $ 174,000 $ 64,000
Livingston, Louisiana 1 $ 125,000 $ 125,000 $ 28,000
Rapides, Louisiana 1 $ 78,000 $ 78,000 $ 32,000
St. Mary, Louisiana 1 $ 80,000 $ 80,000 $ 8,000
Charles, Maryland 1 $ 138,000 $ 138,000 $ 68,000
Howard, Maryland 1 $ 448,000 $ 448,000 $ 92,000
Prince George's, Maryland 1 $ 150,000 $ 150,000 $ 45,000
Huron, Michigan 1 $ 110,000 $ 110,000 $ 63,000
Livingston, Michigan 1 $ 196,000 $ 196,000 $ 127,000
Ottawa, Michigan 1 $ 364,000 $ 364,000 $ 162,000
St. Clair, Michigan 1 $ 113,000 $ 113,000 $ 39,000
Crow Wing, Minnesota 1 $ 285,000 $ 285,000 $ 243,000
Ramsey, Minnesota 1 $ 124,000 $ 124,000 $ 100,000
Madison, Mississippi 1 $ 141,000 $ 141,000 $ 196,000
Barry, Missouri 1 $ 220,000 $ 220,000 $ 141,000
Cass, Missouri 1 $ 157,000 $ 157,000 $ 62,000
Jackson, Missouri 1 $ 231,000 $ 231,000 $ 141,000
St. Charles, Missouri 1 $ 136,000 $ 136,000 $ 41,000
Lincoln, New Mexico 1 $ 229,000 $ 229,000 $ 105,000
Mecklenburg, North Carolina 1 $ 223,000 $ 223,000 $ 237,000
Stokes, North Carolina 1 $ 96,000 $ 96,000 $ 95,000
Wake, North Carolina 1 $ 104,000 $ 104,000 $ 67,000
Blaine, Oklahoma 1 $ 76,000 $ 76,000 $ 33,000
Custer, Oklahoma 1 $ 25,000 $ 25,000 $ 239,000
Dewey, Oklahoma 1 $ 280,000 $ 280,000 $ 58,000
Grant, Oklahoma 1 $ 85,000 $ 85,000 $ 34,000
Greer, Oklahoma 1 $ 168,000 $ 168,000 $ 78,000
Latimer, Oklahoma 1 $ 296,000 $ 296,000 $ 180,000
Roger Mills, Oklahoma 1 $ 125,000 $ 125,000 $ 79,000
Davidson, Tennessee 1 $ 176,000 $ 176,000 $ 119,000
Rutherford, Tennessee 1 $ 214,000 $ 214,000 $ 92,000
Anderson, Texas 1 $ 76,000 $ 76,000 $ 78,000
Bandera, Texas 1 $ 150,000 $ 150,000 $ 80,000
Cameron, Texas 1 $ 277,000 $ 277,000 $ 186,000
Comal, Texas 1 $ 206,000 $ 206,000 $ 265,000
Crockett, Texas 1 $ 144,000 $ 144,000 $ 124,000
Freestone, Texas 1 $ 159,000 $ 159,000 $ 215,000
Guadalupe, Texas 1 $ 147,000 $ 147,000 $ 37,000
Jasper, Texas 1 $ 608,000 $ 608,000 $ 251,000
Llano, Texas 1 $ 130,000 $ 130,000 $ 269,000
Mason, Texas 1 $ 184,000 $ 184,000 $ 71,000
Montague, Texas 1 $ 246,000 $ 246,000 $ 103,000
Nacogdoches, Texas 1 $ 150,000 $ 150,000 $ 54,000
Polk, Texas 1 $ 187,000 $ 187,000 $ 68,000
Potter, Texas 1 $ 271,000 $ 271,000 $ 94,000
Rains, Texas 1 $ 96,000 $ 96,000 $ 42,000
Red River, Texas 1 $ 111,000 $ 111,000 $ 57,000
Rusk, Texas 1 $ 278,000 $ 278,000 $ 62,000
San Patricio, Texas 1 $ 69,000 $ 69,000 $ 31,000
San Saba, Texas 1 $ 203,000 $ 203,000 $ 92,000
Titus, Texas 1 $ 130,000 $ 130,000 $ 57,000
Walker, Texas 1 $ 130,000 $ 130,000 $ 41,000
Ward, Texas 1 $ 216,000 $ 216,000 $ 73,000
Washington, Texas 1 $ 173,000 $ 173,000 $ 75,000
Davis, Utah 1 $ 111,000 $ 111,000 $ 401,000
Sheboygan, Wisconsin 1 $ 143,000 $ 143,000 $ 52,000
Uinta, Wyoming 1 $ 105,000 $ 105,000 $ 62,000

Mortgage Loan Application Detail Totals for First United Bank and Trust Company in 2015

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 5,801 $1,107,167,000 $190,000 $2,013,000 $99,000 $2,120,000
Refinancing 2,258 $465,669,000 $206,000 $6,150,000 $109,000 $1,328,000
Home Improvement 137 $12,320,000 $89,000 $1,078,000 $87,000 $457,000

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 5,910 $1,178,290,000 $199,000 $2,025,000 $107,000 $2,120,000
Not Provided 567 $104,961,000 $185,000 $842,000 $114,000 $1,494,000
Hispanic 548 $82,464,000 $150,000 $1,860,000 $77,000 $1,741,000
Asian 371 $79,742,000 $214,000 $979,000 $117,000 $698,000
American Indian or Alaskan Native 345 $52,525,000 $152,000 $450,000 $73,000 $322,000
Black or African American 256 $48,835,000 $190,000 $1,427,000 $88,000 $925,000
Not applicable 180 $35,554,000 $197,000 $6,150,000 $1,000 $267,000
Native Hawaiian or Other Pacific Islander 19 $2,785,000 $146,000 $385,000 $78,000 $190,000

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) 5,499 $1,157,041,000 $210,000 $6,150,000 $119,000 $2,120,000
FHA-insured (Federal Housing Administration) 1,906 $282,610,000 $148,000 $316,000 $62,000 $482,000
VA-guaranteed (Veterans Administration) 572 $118,615,000 $207,000 $637,000 $84,000 $315,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 219 $26,890,000 $122,000 $250,000 $49,000 $84,000

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 6,326 $1,227,515,000 $194,000 $6,150,000 $101,000 $2,120,000
Application Withdrawn By Applicant 850 $173,186,000 $203,000 $1,760,000 $105,000 $966,000
Application Approved But Not Accepted 585 $116,002,000 $198,000 $1,500,000 $110,000 $1,450,000
Application Denied By Financial Institution 435 $68,453,000 $157,000 $840,000 $93,000 $1,334,000
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
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 2015 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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