Walters Bank & Trust Co Mortgage Lending & HMDA Data, 2024
In 2024, Walters Bank & Trust Co of Walters, OK reported 44 mortgage applications totaling $3.3 million, down 14% from 2023. The average application was for $74,545, and applicants reported an average income of $76,636. 75% of its applications resulted in an originated loan and 18% were denied. Its largest market was Lawton, OK (39).
| Mortgage Company & Address | Walters Bank & Trust Co 201 N Broadway Walters, OK 73572 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 44 |
| Total Mortgage Loan Application Amount | $3,280,000 |
| Average Mortgage Loan Application Amount | $74,545 |
| Highest Mortgage Loan Application Amount | $215,000 |
| Average Applicant Income | $76,636 |
| Highest Applicant Income | $319,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Walters Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cotton, Oklahoma | 38 | $ 2,470,000 | $ 65,000 | $ 73,000 |
| Comanche, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Walters Bank & 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 | 24 | $2,270,000 | $94,000 | $215,000 | $71,000 | $174,000 |
| Refinancing | 16 | $760,000 | $47,000 | $115,000 | $91,000 | $319,000 |
| Other Purpose | 4 | $250,000 | $62,000 | $135,000 | $53,000 | $117,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 39 | $2,815,000 | $72,000 | $215,000 | $77,000 | $319,000 |
| Hispanic | 2 | $90,000 | $45,000 | $65,000 | $57,000 | $71,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $108,000 | $108,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $70,000 | $70,000 |
| Not applicable | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 44 | $3,280,000 | $74,000 | $215,000 | $77,000 | $319,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 33 | $2,105,000 | $63,000 | $205,000 | $76,000 | $319,000 |
| Application Denied By Financial Institution | 8 | $900,000 | $112,000 | $215,000 | $80,000 | $111,000 |
| Application Withdrawn By Applicant | 3 | $275,000 | $91,000 | $165,000 | $71,000 | $80,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 44 | $3,280,000 | $74,000 | $215,000 | $77,000 | $319,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Walters Bank & 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 Walters Bank & 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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