First United Bank and Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, First United Bank and Trust Company of Durant, OK reported 21,180 mortgage applications totaling $7.0 billion, up 59% from 2019. The average application was for $330,464, and applicants reported an average income of $157,488. 74% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Oklahoma City, OK (3,789), Dallas-Plano-Irving, TX (3,612) and Fort Worth-Arlington, TX (2,497) (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 | 21,180 |
| Total Mortgage Loan Application Amount | $6,999,240,000 |
| Average Mortgage Loan Application Amount | $330,464 |
| Highest Mortgage Loan Application Amount | $49,965,000 |
| Average Applicant Income | $157,488 |
| Highest Applicant Income | $8,814,000 |
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First United Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,789 | $ 798,225,000 | $ 210,669 | $ 106,000 |
| Dallas-Plano-Irving, TX | 3,612 | $ 1,514,790,000 | $ 419,377 | $ 192,000 |
| Outside any metro area | 3,315 | $ 686,705,000 | $ 207,150 | $ 125,838 |
| Fort Worth-Arlington, TX | 2,497 | $ 801,105,000 | $ 320,826 | $ 145,000 |
| Tulsa, OK | 2,252 | $ 492,520,000 | $ 218,703 | $ 105,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,800 | $ 896,500,000 | $ 498,055 | $ 232,000 |
| Austin-Round Rock, TX | 1,487 | $ 857,235,000 | $ 576,486 | $ 261,000 |
| San Antonio-New Braunfels, TX | 963 | $ 516,005,000 | $ 535,830 | $ 198,000 |
| Sherman-Denison, TX | 549 | $ 125,565,000 | $ 228,715 | $ 130,000 |
| Lawton, OK | 440 | $ 81,450,000 | $ 185,113 | $ 84,000 |
| Killeen-Temple, TX | 33 | $ 10,775,000 | $ 326,515 | $ 161,000 |
| Corpus Christi, TX | 27 | $ 8,465,000 | $ 313,518 | $ 330,000 |
| College Station-Bryan, TX | 22 | $ 6,820,000 | $ 310,000 | $ 265,000 |
| Waco, TX | 20 | $ 40,410,000 | $ 2,020,500 | $ 137,000 |
| Midland, TX | 17 | $ 4,615,000 | $ 271,470 | $ 142,000 |
| Denver-Aurora-Lakewood, CO | 16 | $ 7,680,000 | $ 480,000 | $ 181,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 37,010,000 | $ 2,313,125 | $ 162,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 12,955,000 | $ 863,666 | $ 668,000 |
| Kansas City, MO-KS | 15 | $ 4,355,000 | $ 290,333 | $ 148,800 |
| Lubbock, TX | 14 | $ 2,960,000 | $ 211,428 | $ 118,000 |
| Tyler, TX | 14 | $ 3,120,000 | $ 222,857 | $ 136,000 |
| Wichita Falls, TX | 12 | $ 1,840,000 | $ 153,333 | $ 109,000 |
| Baton Rouge, LA | 11 | $ 3,295,000 | $ 299,545 | $ 223,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 3,085,000 | $ 342,777 | $ 471,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,580,000 | $ 322,500 | $ 161,000 |
| Fort Smith, AR-OK | 8 | $ 1,390,000 | $ 173,750 | $ 85,125 |
| Tucson, AZ | 8 | $ 1,930,000 | $ 241,250 | $ 148,000 |
| Amarillo, TX | 7 | $ 2,655,000 | $ 379,285 | $ 158,000 |
| Brownsville-Harlingen, TX | 7 | $ 1,715,000 | $ 245,000 | $ 249,000 |
| Wichita, KS | 7 | $ 1,175,000 | $ 167,857 | $ 72,000 |
| Enid, OK | 6 | $ 2,080,000 | $ 346,666 | $ 182,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,360,000 | $ 226,666 | $ 103,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,270,000 | $ 378,333 | $ 182,000 |
| Laredo, TX | 5 | $ 1,395,000 | $ 279,000 | $ 92,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,675,000 | $ 335,000 | $ 219,000 |
| Springfield, MO | 5 | $ 925,000 | $ 185,000 | $ 113,000 |
| Abilene, TX | 4 | $ 820,000 | $ 205,000 | $ 63,000 |
| Asheville, NC | 4 | $ 2,240,000 | $ 560,000 | $ 598,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 1,200,000 | $ 300,000 | $ 79,000 |
| Colorado Springs, CO | 4 | $ 1,700,000 | $ 425,000 | $ 277,000 |
| Longview, TX | 4 | $ 1,250,000 | $ 312,500 | $ 135,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,330,000 | $ 332,500 | $ 229,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,340,000 | $ 335,000 | $ 195,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,730,000 | $ 432,500 | $ 294,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 965,000 | $ 321,666 | $ 97,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 955,000 | $ 318,333 | $ 155,333 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,225,000 | $ 408,333 | $ 110,000 |
| Cincinnati, OH-KY-IN | 3 | $ 525,000 | $ 175,000 | $ 150,000 |
| Fort Collins, CO | 3 | $ 1,325,000 | $ 441,666 | $ 164,000 |
| Lafayette, LA | 3 | $ 735,000 | $ 245,000 | $ 171,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 885,000 | $ 295,000 | $ 111,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 945,000 | $ 315,000 | $ 111,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,195,000 | $ 398,333 | $ 121,000 |
| Santa Fe, NM | 3 | $ 835,000 | $ 278,333 | $ 219,000 |
| St. Louis, MO-IL | 3 | $ 885,000 | $ 295,000 | $ 95,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 680,000 | $ 340,000 | $ 161,000 |
| Boston, MA | 2 | $ 700,000 | $ 350,000 | $ 193,000 |
| Chattanooga, TN-GA | 2 | $ 450,000 | $ 225,000 | $ 186,000 |
| Greeley, CO | 2 | $ 490,000 | $ 245,000 | $ 126,000 |
| Jackson, MS | 2 | $ 1,010,000 | $ 505,000 | $ 249,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 810,000 | $ 405,000 | $ 529,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 560,000 | $ 280,000 | $ 85,000 |
| Memphis, TN-MS-AR | 2 | $ 530,000 | $ 265,000 | $ 179,500 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 570,000 | $ 285,000 | $ 206,000 |
| New Orleans-Metairie, LA | 2 | $ 1,430,000 | $ 715,000 | $ 455,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 680,000 | $ 340,000 | $ 423,000 |
| San Angelo, TX | 2 | $ 290,000 | $ 145,000 | $ 161,000 |
| San Diego-Carlsbad, CA | 2 | $ 840,000 | $ 420,000 | $ 768,000 |
| Shreveport-Bossier City, LA | 2 | $ 1,300,000 | $ 650,000 | $ 570,000 |
| Topeka, KS | 2 | $ 520,000 | $ 260,000 | $ 316,000 |
| Victoria, TX | 2 | $ 960,000 | $ 480,000 | $ 133,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 410,000 | $ 205,000 | $ 103,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 320,000 | $ 160,000 | $ 150,000 |
| Auburn-Opelika, AL | 1 | $ 375,000 | $ 375,000 | $ 338,000 |
| Bakersfield, CA | 1 | $ 325,000 | $ 325,000 | $ 222,000 |
| Boise City, ID | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Boulder, CO | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 295,000 | $ 295,000 | $ 321,000 |
| Champaign-Urbana, IL | 1 | $ 215,000 | $ 215,000 | $ 342,000 |
| Charleston-North Charleston, SC | 1 | $ 515,000 | $ 515,000 | $ 312,000 |
| Columbia, SC | 1 | $ 445,000 | $ 445,000 | $ 140,000 |
| Columbus, GA-AL | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Columbus, OH | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Danville, IL | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 315,000 | $ 315,000 | $ 236,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 43,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 305,000 | $ 305,000 | $ 533,000 |
| Eugene, OR | 1 | $ 475,000 | $ 475,000 | $ 171,000 |
| Fayetteville, NC | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Florence-Muscle Shoals, AL | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,765,000 | $ 1,765,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 295,000 | $ 295,000 | $ 63,000 |
| Gary, IN | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| Grand Junction, CO | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 245,000 | $ 245,000 | $ 39,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 405,000 | $ 405,000 | $ 231,000 |
| Hot Springs, AR | 1 | $ 245,000 | $ 245,000 | $ 200,000 |
| Huntsville, AL | 1 | $ 515,000 | $ 515,000 | $ 250,000 |
| Jacksonville, FL | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
| Knoxville, TN | 1 | $ 275,000 | $ 275,000 | $ 289,000 |
| Lexington-Fayette, KY | 1 | $ 455,000 | $ 455,000 | $ 73,000 |
| Manhattan, KS | 1 | $ 235,000 | $ 235,000 | $ 224,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 355,000 | $ 355,000 | $ 370,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 505,000 | $ 505,000 | $ 495,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,091,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 545,000 | $ 545,000 | $ 260,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 335,000 | $ 335,000 | $ 142,000 |
| Odessa, TX | 1 | $ 355,000 | $ 355,000 | $ 214,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Panama City, FL | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| Philadelphia, PA | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Port St. Lucie, FL | 1 | $ 245,000 | $ 245,000 | $ 188,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 335,000 | $ 335,000 | $ 131,000 |
| Redding, CA | 1 | $ 335,000 | $ 335,000 | $ 180,000 |
| Richmond, VA | 1 | $ 375,000 | $ 375,000 | $ 175,000 |
| Rockingham County-Strafford County, NH | 1 | $ 765,000 | $ 765,000 | $ 253,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 275,000 | $ 275,000 | $ 53,000 |
| Savannah, GA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 565,000 | $ 565,000 | $ 646,000 |
| Spartanburg, SC | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Syracuse, NY | 1 | $ 475,000 | $ 475,000 | $ 450,000 |
| Tacoma-Lakewood, WA | 1 | $ 385,000 | $ 385,000 | $ 89,000 |
| Texarkana, TX-AR | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| The Villages, FL | 1 | $ 365,000 | $ 365,000 | $ 108,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 5,605,000 | $ 5,605,000 | $ 2,962,000 |
Mortgage Loan Application Detail Totals for First United Bank and Trust Company in 2020
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 | 11,504 | $4,078,210,000 | $354,000 | $49,965,000 | $153,000 | $8,814,000 |
| Refinancing | 6,281 | $2,031,775,000 | $323,000 | $34,585,000 | $167,000 | $3,738,000 |
| Cash-out Refinancing | 2,319 | $752,405,000 | $324,000 | $2,985,000 | $161,000 | $3,354,000 |
| Other Purpose | 748 | $110,700,000 | $147,000 | $5,605,000 | $150,000 | $2,962,000 |
| Home Improvement | 328 | $26,150,000 | $79,000 | $2,355,000 | $125,000 | $1,320,000 |
| 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 | 13,968 | $4,454,320,000 | $318,000 | $5,625,000 | $164,000 | $8,814,000 |
| Not Provided | 2,859 | $904,995,000 | $316,000 | $3,435,000 | $160,000 | $3,738,000 |
| Hispanic | 1,618 | $454,710,000 | $281,000 | $2,985,000 | $124,000 | $1,777,000 |
| Asian | 933 | $323,455,000 | $346,000 | $2,665,000 | $165,000 | $4,141,000 |
| Black or African American | 647 | $179,015,000 | $276,000 | $2,245,000 | $127,000 | $4,249,000 |
| American Indian or Alaskan Native | 628 | $132,050,000 | $210,000 | $2,055,000 | $99,000 | $1,067,000 |
| Not applicable | 499 | $543,405,000 | $1,088,000 | $49,965,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 27 | $7,215,000 | $267,000 | $705,000 | $121,000 | $266,000 |
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) | 17,140 | $6,085,860,000 | $355,000 | $49,965,000 | $175,000 | $8,814,000 |
| FHA-insured (Federal Housing Administration) | 2,385 | $460,635,000 | $193,000 | $525,000 | $71,000 | $826,000 |
| VA-guaranteed (Veterans Administration) | 1,490 | $427,910,000 | $287,000 | $1,175,000 | $100,000 | $476,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 165 | $24,835,000 | $150,000 | $295,000 | $54,000 | $106,000 |
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 | 15,757 | $5,330,665,000 | $338,000 | $49,965,000 | $161,000 | $8,814,000 |
| Application Withdrawn By Applicant | 3,601 | $1,086,255,000 | $301,000 | $2,675,000 | $153,000 | $3,057,000 |
| Application Denied By Financial Institution | 954 | $267,040,000 | $279,000 | $2,985,000 | $116,000 | $2,150,000 |
| Application Approved But Not Accepted | 622 | $240,070,000 | $385,000 | $31,115,000 | $173,000 | $3,354,000 |
| File Closed For Incompleteness | 241 | $74,275,000 | $308,000 | $1,415,000 | $145,000 | $1,320,000 |
| Loan Purchased By The Institution | 5 | $935,000 | $187,000 | $465,000 | $139,000 | $376,000 |
| 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 | 20,226 | $6,732,200,000 | $332,000 | $49,965,000 | $159,000 | $8,814,000 |
| Debt-To-Income Ratio | 395 | $106,755,000 | $270,000 | $2,985,000 | $79,000 | $1,200,000 |
| Credit History | 215 | $39,665,000 | $184,000 | $1,765,000 | $107,000 | $1,777,000 |
| Collateral | 178 | $66,100,000 | $371,000 | $1,935,000 | $165,000 | $750,000 |
| Credit Application Incomplete | 40 | $16,230,000 | $405,000 | $1,475,000 | $176,000 | $695,000 |
| Employment History | 37 | $8,255,000 | $223,000 | $575,000 | $70,000 | $354,000 |
| Other | 36 | $10,940,000 | $303,000 | $1,305,000 | $164,000 | $770,000 |
| Unverifiable Information | 31 | $11,975,000 | $386,000 | $2,265,000 | $193,000 | $1,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $7,120,000 | $323,000 | $885,000 | $277,000 | $2,150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First United Bank and Trust Company's 2020 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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