First United Bank And Trust Company Mortgage Rates, Fees & Info

Durant, OK

LEI: 549300DMHEHNYZ2OLB41

Tax ID: 73-0222372

4.1 stars - out of 5 stars, based on 125 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

First United Bank And Trust Company is a mid-sized bank specializing in Home Purchase and Refi loans. First United Bank And Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Dallas, Austin, Houston, Oklahoma City, and Tulsa among others. First United Bank And Trust Company has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First United Bank And Trust Company is typically an average fee lendor.


Originations

15,556

Origination Dollar Volume (All Markets)

$6,059,050,000

Employee count

1,892 Show all (15) awards

Relative Rate

First United Bank And Trust Company's average 30 year fixed rate mortgage of loans were 3.12%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.03%.

Relative Fees

First United Bank And Trust Company's average total fees for a 30 year fixed rate mortgage are $5,760.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3,962 $1,831,630,000 $462,299 $6,311 3.19%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1,666 $1,216,170,000 $729,994 $7,877 3.03%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,457 $871,055,000 $597,841 $7,408 3.03%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2,562 $558,610,000 $218,037 $4,562 3.36%
TULSA, OK (FHA|USDA|VA) 1,629 $389,915,000 $239,359 $5,487 3.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 618 $290,620,000 $470,259 $7,090 3.09%
Outside of Metro Areas 770 $193,250,000 $250,974 $4,827 3.60%
SHERMAN-DENISON, TX (FHA|USDA|VA) 489 $137,775,000 $281,748 $4,835 3.90%
LAWTON, OK (FHA|USDA|VA) 444 $87,130,000 $196,239 $6,142 3.02%
Shawnee, OK (FHA|USDA|VA) 460 $75,840,000 $164,870 $3,942 3.55%
Durant, OK (FHA|USDA|VA) 369 $62,725,000 $169,986 $4,102 4.14%
Fredericksburg, TX (FHA|USDA|VA) 85 $36,885,000 $433,941 $5,636 3.41%
Ada, OK (FHA|USDA|VA) 155 $34,465,000 $222,355 $3,529 3.84%
Bonham, TX (FHA|USDA|VA) 106 $20,720,000 $195,472 $4,301 3.93%
Gainesville, TX (FHA|USDA|VA) 59 $17,495,000 $296,525 $5,191 3.68%
Ardmore, OK (FHA|USDA|VA) 67 $14,115,000 $210,672 $4,104 3.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 35 $12,795,000 $365,571 $6,349 3.24%
Huntsville, TX (FHA|USDA|VA) 19 $11,085,000 $583,421 $7,994 3.05%
Mineral Wells, TX (FHA|USDA|VA) 21 $9,275,000 $441,667 $6,360 3.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 12 $9,270,000 $772,500 $8,296 3.23%
McAlester, OK (FHA|USDA|VA) 45 $7,745,000 $172,111 $4,579 3.41%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 11 $7,545,000 $685,909 $5,786 3.01%
WACO, TX (FHA|USDA|VA) 17 $7,305,000 $429,706 $4,753 3.30%
Granbury, TX (FHA|USDA|VA) 21 $6,695,000 $318,810 $5,509 3.30%
Athens, TX (FHA|USDA|VA) 13 $6,545,000 $503,462 $7,776 3.38%
Heber, UT (FHA|USDA|VA) 1 $6,165,000 $6,165,000 $15,861 3.25%
Stillwater, OK (FHA|USDA|VA) 34 $6,140,000 $180,588 $5,096 3.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 17 $4,385,000 $257,941 $4,850 3.32%
Muskogee, OK (FHA|USDA|VA) 20 $4,270,000 $213,500 $3,954 3.12%
Duncan, OK (FHA|USDA|VA) 23 $3,275,000 $142,391 $4,108 3.34%
Stephenville, TX (FHA|USDA|VA) 8 $2,920,000 $365,000 $5,320 3.17%
Kerrville, TX (FHA|USDA|VA) 8 $2,890,000 $361,250 $4,898 3.08%
Bartlesville, OK (FHA|USDA|VA) 18 $2,760,000 $153,333 $4,684 3.44%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $2,690,000 $672,500 $8,576 2.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $2,665,000 $380,714 $4,143 2.86%
Glenwood Springs, CO (FHA|USDA|VA) 2 $2,580,000 $1,290,000 $3,980 3.06%
TYLER, TX (FHA|USDA|VA) 11 $2,375,000 $215,909 $4,514 3.15%
Brenham, TX (FHA|USDA|VA) 6 $2,360,000 $393,333 $6,774 3.06%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,255,000 $451,000 $9,128 2.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $2,205,000 $441,000 $7,247 3.05%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $2,075,000 $296,429 $4,889 3.27%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $2,050,000 $512,500 $5,009 3.34%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,900,000 $475,000 $7,253 3.73%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,900,000 $316,667 $2,846 2.92%
ABILENE, TX (FHA|USDA|VA) 10 $1,790,000 $179,000 $5,112 3.24%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,760,000 $440,000 $4,515 2.91%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $1,690,000 $422,500 $4,199 3.28%
Tahlequah, OK (FHA|USDA|VA) 9 $1,675,000 $186,111 $3,744 3.68%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 5 $1,645,000 $329,000 $5,110 3.68%
EL PASO, TX (FHA|USDA|VA) 5 $1,645,000 $329,000 $6,101 2.85%
MIDLAND, TX (FHA|USDA|VA) 3 $1,625,000 $541,667 $7,914 3.21%
Breckenridge, CO (FHA|USDA|VA) 2 $1,560,000 $780,000 $4,402 2.94%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,530,000 $255,000 $3,837 2.94%
LONGVIEW, TX (FHA|USDA|VA) 6 $1,520,000 $253,333 $4,442 3.10%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $1,505,000 $501,667 $10,806 2.58%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $1,495,000 $299,000 $3,804 3.25%
Paris, TX (FHA|USDA|VA) 7 $1,435,000 $205,000 $5,406 3.77%
LUBBOCK, TX (FHA|USDA|VA) 6 $1,410,000 $235,000 $6,160 3.69%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,390,000 $347,500 $3,174 3.13%
WICHITA FALLS, TX (FHA|USDA|VA) 4 $1,280,000 $320,000 $5,099 3.48%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,265,000 $421,667 $6,839 3.17%
Ponca City, OK (FHA|USDA|VA) 5 $1,245,000 $249,000 $5,909 3.05%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $4,248 2.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,503 3.38%
Woodward, OK (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,167 3.05%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,115,000 $371,667 $9,896 3.08%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $19,688 2.50%
Jacksonville, TX (FHA|USDA|VA) 3 $1,095,000 $365,000 $6,759 3.92%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $9,226 2.75%
Durango, CO (FHA|USDA|VA) 2 $1,070,000 $535,000 $4,425 2.69%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,060,000 $530,000 $0 3.31%
ENID, OK (FHA|USDA|VA) 5 $1,055,000 $211,000 $5,004 3.38%
Ruidoso, NM (FHA|USDA|VA) 4 $1,040,000 $260,000 $3,556 3.56%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,845 2.81%
Taos, NM (FHA|USDA|VA) 2 $1,010,000 $505,000 $8,130 3.38%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $960,000 $240,000 $3,851 3.59%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $955,000 $318,333 $3,539 3.04%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $950,000 $475,000 $7,101 3.38%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $950,000 $475,000 $3,988 3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $925,000 $308,333 $4,588 3.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $915,000 $305,000 $3,324 3.58%
SAN ANGELO, TX (FHA|USDA|VA) 3 $895,000 $298,333 $4,498 2.92%
Weatherford, OK (FHA|USDA|VA) 6 $850,000 $141,667 $3,787 3.73%
Montrose, CO (FHA|USDA|VA) 1 $835,000 $835,000 $4,698 3.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $820,000 $410,000 $4,433 2.81%
Outside of Metro Areas 2 $800,000 $400,000 $5,560 2.75%
TUCSON, AZ (FHA|USDA|VA) 2 $760,000 $380,000 $4,918 2.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $730,000 $365,000 $4,506 3.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $725,000 $725,000 $4,863 3.00%
SANTA FE, NM (FHA|USDA|VA) 3 $715,000 $238,333 $3,195 3.25%
AMARILLO, TX (FHA|USDA|VA) 4 $710,000 $177,500 $3,943 3.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $700,000 $350,000 $4,182 3.06%
Los Alamos, NM (FHA|USDA|VA) 1 $685,000 $685,000 $7,358 2.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $620,000 $310,000 $4,740 2.81%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $610,000 $305,000 $8,714 2.81%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $570,000 $285,000 $2,927 2.81%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $565,000 $565,000 $24,300 3.38%
Lufkin, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,244 3.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $535,000 $535,000 $4,531 2.88%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $535,000 $535,000 $3,222 2.88%
GRANTS PASS, OR (FHA|USDA|VA) 1 $515,000 $515,000 $5,065 3.13%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $515,000 $515,000 $5,480 2.75%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $505,000 $505,000 $3,049 2.38%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $505,000 $505,000 $5,328 2.88%
Kapaa, HI (FHA|USDA|VA) 1 $505,000 $505,000 $5,027 3.13%
RENO, NV (FHA|USDA|VA) 2 $500,000 $250,000 $3,192 3.13%
COLUMBUS, OH (FHA|USDA|VA) 2 $500,000 $250,000 $3,499 2.94%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $4,978 2.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $495,000 $495,000 $4,156 3.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $480,000 $240,000 $3,240 2.75%
Altus, OK (FHA|USDA|VA) 2 $480,000 $240,000 $3,013 2.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $475,000 $475,000 $3,771 2.88%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $475,000 $475,000 $4,033 2.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $465,000 $465,000 $0 3.63%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $455,000 $455,000 $3,931 3.13%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $445,000 $445,000 $11,749 2.25%
Greenwood, SC (FHA|USDA|VA) 1 $445,000 $445,000 $3,851 3.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $440,000 $220,000 $4,356 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $435,000 $435,000 $6,206 2.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $430,000 $215,000 $2,436 2.88%
Elk City, OK (FHA|USDA|VA) 2 $410,000 $205,000 $3,269 3.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $405,000 $405,000 $3,814 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $395,000 $395,000 $4,104 2.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $395,000 $395,000 $8,796 3.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $365,000 $365,000 $2,702 2.88%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $365,000 $365,000 $4,149 3.25%
OCALA, FL (FHA|USDA|VA) 2 $360,000 $180,000 $4,142 3.56%
Steamboat Springs, CO (FHA|USDA|VA) 1 $355,000 $355,000 $3,494 3.38%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $355,000 $355,000 $16,385 2.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $355,000 $355,000 $3,485 2.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $355,000 $355,000 $4,523 2.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $335,000 $335,000 $2,783 3.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $335,000 $335,000 $5,766 3.88%
Rockport, TX (FHA|USDA|VA) 1 $325,000 $325,000 $5,095 2.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,760 2.88%
MANHATTAN, KS (FHA|USDA|VA) 1 $305,000 $305,000 $2,835 3.25%
Nacogdoches, TX (FHA|USDA|VA) 2 $300,000 $150,000 $3,957 3.06%
Morehead City, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,087 3.13%
Bozeman, MT (FHA|USDA|VA) 1 $295,000 $295,000 $3,304 3.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $285,000 $285,000 $4,944 3.00%
Palestine, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,964 3.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $265,000 $265,000 $2,618 2.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,779 2.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $3,765 2.88%
GADSDEN, AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,416 3.00%
Brownwood, TX (FHA|USDA|VA) 1 $255,000 $255,000 $8,744 2.88%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $255,000 $255,000 $4,085 2.88%
Branson, MO (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.75%
VICTORIA, TX (FHA|USDA|VA) 2 $240,000 $120,000 $0 3.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,872 3.13%
Corsicana, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,379 2.94%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $225,000 $225,000 $4,609 3.25%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $225,000 $225,000 $7,533 2.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $225,000 $225,000 $6,902 3.88%
BATON ROUGE, LA (FHA|USDA|VA) 1 $215,000 $215,000 $4,277 3.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,966 2.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,578 3.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,042 2.88%
Malvern, AR (FHA|USDA|VA) 1 $195,000 $195,000 $2,696 3.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.13%
Pampa, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,752 3.00%
LAREDO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,709 3.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $175,000 $175,000 $2,956 3.00%
WICHITA, KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,573 3.13%
Ashtabula, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,938 3.00%
El Campo, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,511 3.75%
DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,638 3.38%
ODESSA, TX (FHA|USDA|VA) 1 $145,000 $145,000 $9,414 2.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.63%
Martin, TN (FHA|USDA|VA) 1 $145,000 $145,000 $4,001 3.75%
JONESBORO, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,372 2.38%
NILES, MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,297 3.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $115,000 $115,000 $3,584 2.88%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,585 4.00%
GREELEY, CO (FHA|USDA|VA) 1 $105,000 $105,000 $2,594 3.38%
Defiance, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,971 3.88%
Indiana, PA (FHA|USDA|VA) 1 $75,000 $75,000 $3,189 3.25%
Batavia, NY (FHA|USDA|VA) 1 $75,000 $75,000 $3,217 3.63%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $2,194 2.75%
Sulphur Springs, TX (FHA|USDA|VA) 1 $45,000 $45,000 $1,075 5.00%

First United Bank And Trust Company's top markets include Dallas, Austin, Houston, Oklahoma City, and Tulsa among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 13,056 $5,459,240,000 $418,140 $5,698 3.31%
FHA 1,361 $284,335,000 $208,916 $7,486 3.17%
VA 1,003 $294,205,000 $293,325 $7,186 2.82%
USDA 136 $21,270,000 $156,397 $5,058 2.89%

For the 2021 period, First United Bank And Trust Company's most frequently originated loan type of loans were Conventional, with 13,056 originations. Their 2nd most popular type is FHA, with 1,361 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 9,374 $3,952,450,000 $421,640 $6,795 3.23%
Refi 3,634 $1,270,540,000 $349,626 $4,280 3.14%
Cash Out Refi 1,528 $610,610,000 $399,614 $5,363 3.19%
Other 796 $195,890,000 $246,093 $4,858 4.00%
Home Improvement 224 $29,560,000 $131,964 $4,259 4.65%

For the 2021, First United Bank And Trust Company's most frequently cited loan purpose of loans were Home Purchase, with 9,374 originations. The 2nd most popular reason of loans were Refi, with 3,634 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 11,108 $4,283,620,000 $385,634 $5,760 3.12%
15 Year 1,554 $363,540,000 $233,938 $3,986 2.96%
Other 909 $174,625,000 $192,107 $6,194 4.53%
30+ year 796 $753,950,000 $947,173 $14,001 3.27%
20 Year 543 $126,065,000 $232,164 $3,854 3.71%
10 Year 274 $59,940,000 $218,759 $3,344 3.72%
5 Year 214 $256,520,000 $1,198,692 $1,889 4.79%
1 Year 145 $31,545,000 $217,552 $5,872 5.01%
3 Year 13 $9,245,000 $711,154 $0 4.80%

For the 2021, First United Bank And Trust Company's most frequently cited loan length of loans were 30 Year, with 11,108 originations. The 2nd most popular length of loans were 15 Year, with 1,554 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 8,810 $3,511,230,000 $398,551
$1k-2k 2,603 $661,235,000 $254,028
$5k+ 874 $817,420,000 $935,263
$2k-3k 690 $237,980,000 $344,899
$3k-4k 550 $231,480,000 $420,873

$5,760 of loans were First United Bank And Trust Company's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 8,810 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,542 $2,810,600,000 $429,624
2.5-3% 6,181 $2,592,845,000 $419,486
4-5% 1,488 $317,450,000 $213,340
<2.5% 970 $290,190,000 $299,165
5-6% 302 $42,440,000 $140,530
6-7% 38 $3,520,000 $92,632
7-8% 20 $1,030,000 $51,500
Over 8% 15 $975,000 $65,000

During 2021, First United Bank And Trust Company's average interest rate of loans were 3.12%, while their most frequently originated rate bucket of loans were 3-4%, with 6,542 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 5,824 $1,651,590,000 $283,583 $5,355 3.13%
$100k-200k 3,598 $548,720,000 $152,507 $4,218 3.34%
$400k-600k 2,346 $1,151,180,000 $490,699 $6,231 3.10%
$600k-1MM 1,575 $1,185,835,000 $752,911 $8,314 3.09%
$100,000 or less 1,375 $89,705,000 $65,240 $3,158 4.23%
$1MM+ 838 $1,432,020,000 $1,708,854 $13,833 3.11%

2021 saw First United Bank And Trust Company place emphasis on $200k-400k loans with 5,824 originations, totaling $1,651,590,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 3,162 $947,350,000 $299,605 $5,327 3.22%
$150k-250k 3,013 $1,345,655,000 $446,616 $6,185 3.18%
$250k+ 2,706 $2,204,090,000 $814,520 $9,062 3.15%
$50k-75k 2,404 $464,670,000 $193,290 $5,050 3.26%
$75k-100k 2,163 $523,495,000 $242,023 $5,149 3.22%
$50k or less 1,440 $196,740,000 $136,625 $4,348 3.38%

First United Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 3,162 originations. The second most popular income band? $150k-250k, with 3,013 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,551 $1,395,635,000 $393,026 $5,735 3.18%
30-36% 2,981 $1,212,325,000 $406,684 $6,005 3.20%
<20% 1,415 $514,825,000 $363,834 $5,257 3.31%
42% 705 $346,705,000 $491,780 $7,227 3.21%
41% 585 $273,435,000 $467,410 $6,884 3.24%
40% 574 $246,570,000 $429,564 $6,675 3.23%
37% 560 $237,420,000 $423,964 $6,280 3.19%
39% 545 $233,535,000 $428,505 $6,460 3.23%
38% 535 $198,225,000 $370,514 $6,252 3.22%
36% 519 $223,505,000 $430,645 $6,244 3.20%
44% 457 $120,915,000 $264,584 $5,264 3.19%
43% 409 $113,555,000 $277,641 $5,169 3.18%
50-60% 382 $115,530,000 $302,435 $8,501 3.10%
49% 329 $93,685,000 $284,757 $5,167 3.10%
45% 308 $86,000,000 $279,221 $5,209 3.11%
46% 282 $78,510,000 $278,404 $5,470 3.11%
47% 270 $75,040,000 $277,926 $5,578 3.14%
48% 259 $71,625,000 $276,544 $5,351 3.13%
>60% 19 $8,445,000 $444,474 $7,356 3.22%

First United Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 3,551 originations. The next most common DTI ratio? 30-36%, with 2,981 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 11,272 $4,237,540,000 $375,935 $5,883 3.23%
Not provided 1,940 $783,030,000 $403,624 $6,226 3.23%
Asian 774 $389,890,000 $503,734 $6,949 3.07%
Not applicable 512 $340,510,000 $665,059 $0 4.57%
Black 502 $174,870,000 $348,347 $6,477 3.24%
American Indian 532 $126,550,000 $237,876 $5,341 3.21%
Native Hawaiian 20 $5,750,000 $287,500 $6,325 3.10%
Other Asian 4 $910,000 $227,500 $4,601 3.00%

Approval Rates

Total approvals of all applications
94.92%

First United Bank And Trust Company has an average approval rate.

Pick Rate

Approvals leading to origination
75.37%

First United Bank And Trust Company has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 15,556 $6,059,050,000 $389,499

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
15,556 $6,059,050,000 $389,499

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 765 $163,945,000 $214,307 $4,194 3.64%
40-60% 1,774 $680,160,000 $383,405 $4,942 3.16%
60-80% 5,524 $2,631,000,000 $476,285 $5,953 3.25%
80-100% 6,932 $2,487,980,000 $358,912 $6,169 3.21%
Over 100% 232 $67,690,000 $291,767 $12,463 2.89%
Under 20% 329 $28,275,000 $85,942 $3,709 4.59%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
FIRST UNITED BANK AND TRUST COMPANY Conventional home mortgage Closing on a mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First United Bank and Trust Company 2000 West Grant Pauls Valley, OK 73075 Full Service B&M $8,451
First United Bank and Trust Company 1400 West Main Street Durant, OK 74701 Full Service B&M $1,896,997
First United Bank and Trust Company 1403 West Chapman Drive Sanger, TX 76266 Full Service B&M $98,822
First United Bank and Trust Company 1410 North First Avenue Durant, OK 74701 Full Service B&M $9,247
First United Bank and Trust Company 1517 Centre Place Drive Denton, TX 76205 Full Service B&M $126,864
First United Bank and Trust Company 1539 East Court Street Seguin, TX 78155 Full Service B&M $50,555
First United Bank and Trust Company 1600 South Agnew Ave Oklahoma City, OK 73108 Full Service B&M $32,851
First United Bank and Trust Company 1700 Redbud Blvd Mckinney, TX 75069 Full Service B&M $198,008
First United Bank and Trust Company 1710 North Llano Fredericksburg, TX 78624 Full Service B&M $194,873
First United Bank and Trust Company 1845 Woodall Rogers Freeway Dallas, TX 75201 Full Service B&M $83,824
First United Bank and Trust Company 19099 Fm 2252 Garden Ridge, TX 78266 Full Service B&M $60,388
First United Bank and Trust Company 1913 Ranch Road 620 South Lakeway, TX 78734 Full Service B&M $124,524
First United Bank and Trust Company 200 North Austin Street Seguin, TX 78155 Full Service B&M $328,403
First United Bank and Trust Company 315 East Dewey Sapulpa, OK 74066 Full Service B&M $87,768
First United Bank and Trust Company 315 West Grant Avenue Pauls Valley, OK 73075 Full Service B&M $102,451
First United Bank and Trust Company 317 6th Street Maysville, OK 73057 Full Service B&M $15,751
First United Bank and Trust Company 324 West Main Street Purcell, OK 73080 Full Service B&M $122,808
First United Bank and Trust Company 3326 Fm 120 Denison, TX 75020 Full Service B&M $87,787
First United Bank and Trust Company 3712 West Main Street Durant, OK 74701 Full Service B&M $11,095
First United Bank and Trust Company 3932 S. Boulevard Edmond, OK 73013 Full Service B&M $12,396
First United Bank and Trust Company 400 North Travis Sherman, TX 75090 Full Service B&M $123,995
First United Bank and Trust Company 4008 Medical Parkway Austin, TX 78756 Full Service B&M $37,454
First United Bank and Trust Company 401 E Taylor St Sherman, TX 75090 Full Service B&M $419,800
First United Bank and Trust Company 418 Highway 281 Marble Falls, TX 78654 Full Service B&M $242,802
First United Bank and Trust Company 4439 North Kickapoo Avenue Shawnee, OK 74804 Full Service B&M $32,909
First United Bank and Trust Company 4917 Fm 3009 Schertz, TX 78154 Full Service B&M $89,043
First United Bank and Trust Company 801 12th Avenue Northeast Norman, OK 73071 Full Service B&M $64,409
First United Bank and Trust Company 801 East Jackson Hugo, OK 74743 Full Service B&M $118,866
First United Bank and Trust Company 8201 Preston Road, Suite 265 Dallas, TX 75225 Full Service B&M $406,029
First United Bank and Trust Company 851 Hwy. 377n Whitesboro, TX 76273 Full Service B&M $97,082
First United Bank and Trust Company 901 North State Hwy 46 Seguin, TX 78155 Full Service B&M $24,153
First United Bank and Trust Company 931 West Main Street Denison, TX 75020 Full Service B&M $297,134
First United Bank and Trust Company 960 East Mccart Street Krum, TX 76249 Full Service B&M $75,849
First United Bank and Trust Company 1 East Taft Avenue Sapulpa, OK 74066 Full Service B&M $8,408
First United Bank and Trust Company 100 North Preston Road Prosper, TX 75078 Full Service B&M $62,028
First United Bank and Trust Company 101 Burney Street Colbert, OK 74733 Full Service B&M $53,848
First United Bank and Trust Company 101 East Broadway Gainesville, TX 76240 Full Service B&M $77,041
First United Bank and Trust Company 102 East Main Street Holdenville, OK 74848 Full Service B&M $108,165
First United Bank and Trust Company 102 West Main Street Bokchito, OK 74726 Full Service B&M $35,825
First United Bank and Trust Company 10526 West Parmer Lane Austin, TX 78717 Full Service B&M $62,230
First United Bank and Trust Company 10731 South Western Avenue Oklahoma City, OK 73170 Full Service B&M $101,349
First United Bank and Trust Company 1116 S. State Highway 16 Fredericksburg, TX 78624 Full Service B&M $58,370
First United Bank and Trust Company 120 West Sam Rayburn Drive Bonham, TX 75418 Full Service B&M $114,930
First United Bank and Trust Company 1221 Arlington Ada, OK 74820 Full Service B&M $19,090
First United Bank and Trust Company 200 W Collins Street Leonard, TX 75452 Full Service B&M $49,320
First United Bank and Trust Company 4925 Southeast 44th Street Norman, OK 73072 Full Service B&M $37,473
First United Bank and Trust Company 5000 Texoma Parkway Sherman, TX 75090 Limited, Drive-thru $25,987
First United Bank and Trust Company 501 West Fm 120 Pottsboro, TX 75076 Full Service B&M $130,772
First United Bank and Trust Company 512 North Broadway Avenue Oklahoma City, OK 73102 Full Service B&M $183,943
First United Bank and Trust Company 570 Northwest 24th Avenue Norman, OK 73069 Full Service B&M $155,463
First United Bank and Trust Company 6000 South Western Avenue Oklahoma City, OK 73139 Full Service B&M $84,283
First United Bank and Trust Company 601 North Service Road Calera, OK 74730 Full Service B&M $95,548
First United Bank and Trust Company 6100 Preston Road Frisco, TX 75034 Full Service B&M $93,438
First United Bank and Trust Company 6401 South Custer Road Mckinney, TX 75071 Full Service B&M $261,929
First United Bank and Trust Company 6905 W Fm 2147 Horseshoe Bay, TX 78657 Full Service B&M $118,535
First United Bank and Trust Company 7050 Lebanon Road Frisco, TX 75034 Full Service B&M $23,834
First United Bank and Trust Company 7286 West Adams Avenue Temple, TX 76502 Full Service B&M $55,509
First United Bank and Trust Company 201 N. Milt Phillips Seminole, OK 74868 Full Service B&M $68,729
First United Bank and Trust Company 2025 West University Durant, OK 74701 Full Service B&M $51,905
First United Bank and Trust Company 20480 Hwy 46 Spring Branch, TX 78070 Full Service B&M $42,764
First United Bank and Trust Company 2101 S I-35 Frontage Road Moore, OK 73160 Full Service B&M $48,485
First United Bank and Trust Company 221 West 12th Street Ada, OK 74820 Full Service B&M $1,152,915
First United Bank and Trust Company 223 South Mekusukey Avenue Wewoka, OK 74884 Full Service B&M $37,818
First United Bank and Trust Company 2600 N. Harrison St. Shawnee, OK 74804 Full Service B&M $177,475
First United Bank and Trust Company 2725 Bee Caves Rd Austin, TX 78746 Full Service B&M $125,747
First United Bank and Trust Company 2730 West University Drive Denton, TX 76201 Full Service B&M $78,075
First United Bank and Trust Company 300 West Lillie Boulevard Madill, OK 73446 Full Service B&M $107,434
First United Bank and Trust Company 301 North Broadway Tecumseh, OK 74873 Full Service B&M $61,964
First United Bank and Trust Company 311 Ranch Road 2900 Kingsland, TX 78639 Full Service B&M $48,238

For 2021, First United Bank And Trust Company had 69 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $444,120
Net interest income $400,019
Total noninterest income $228,268
Gross Fiduciary activities income $406
Service charges on deposit accounts $17,719
Trading account gains and fees $0
Additional Noninterest Income $210,143
Pre-tax net operating income $227,259
Securities gains (or losses, -) $2,898
Income before extraordinary items $184,422
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $184,422
Minority interest net income $0
Net income $184,422
Sale, conversion, retirement of capital stock, net $0
Net operating income $182,103

First United Bank And Trust Company's gross interest income from loans was $444,120,000.
First United Bank And Trust Company's net interest income from loans was $400,019,000.
First United Bank And Trust Company's fee based income from loans was $17,719,000.
First United Bank And Trust Company's net income from loans was $184,422,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $44,101
Provision for credit losses $12,726
Total noninterest expense $388,302
Salaries and employee benefits $243,753
Premises and equipment expense $32,144
Additional noninterest expense $112,405
Applicable income taxes $45,735
Net charge-offs $2,100
Cash dividends $27,774

First United Bank And Trust Company's interest expense for loans was $44,101,000.
First United Bank And Trust Company's payroll and benefits expense were $243,753,000.
First United Bank And Trust Company's property, plant and equipment expenses $32,144,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 2.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $10,613,920
Deposits held in domestic offices $10,613,920
Deposits by Individuals, partnerships, and corporations $8,029,065
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $2,476,189
Deposits by Commercial banks and other depository institutions in U.S. $108,633
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $33
Transaction accounts $2,248,226
Demand deposits $1,482,296
Nontransaction accounts $8,365,694
Money market deposit accounts (MMDAs) $6,795,660
Other savings deposits (excluding MMDAs) $650,648
Total time deposits $919,386
Total time and savings deposits $9,131,624
Noninterest-bearing deposits $2,952,863
Interest-bearing deposits $7,661,057
Retail deposits $9,626,895
IRAs and Keogh plan accounts $143,238
Brokered deposits $696,042
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $12,464,313
Cash & Balances due from depository institutions $603,045
Interest-bearing balances $516,300
Total securities $1,212,780
Federal funds sold & reverse repurchase $81,659
Net loans and leases $9,631,036
Loan and leases loss allowance $98,562
Trading account assets $0
Bank premises and fixed assets $316,173
Other real estate owned $9,695
Goodwill and other intangibles $191,797
All other assets $418,128

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $12,464,313
Total Liabilities $11,342,425
Total deposits $10,613,920
Interest-bearing deposits $7,661,057
Deposits held in domestic offices $10,613,920
% insured (estimated) $56
Federal funds purchased and repurchase agreements $114,401
Trading liabilities $0
Other borrowed funds $506,108
Subordinated debt $3,093
All other liabilities $104,903

Issued Loan Types

Type Value (in 000's)
Net loans and leases $9,631,036
Loan and leases loss allowance $98,562
Total loans and leases (domestic) $9,729,598
All real estate loans $8,568,867
Real estate loans in domestic offices $8,568,867
Construction and development loans $2,175,570
Residential 1-4 family construction $926,901
Other construction, all land development and other land $1,248,669
Loans secured by nonfarm nonresidential properties $2,608,411
Nonfarm nonresidential secured by owner-occupied properties $644,793
Commercial real estate & other non-farm, non-residential $1,963,618
Multifamily residential real estate $467,879
1-4 family residential loans $3,133,919
Farmland loans $183,088
Loans held in foreign offices $0
Farm loans $63,369
Commercial and industrial loans $868,868
To non-U.S. addressees $0
Loans to individuals $144,565
Credit card loans $0
Related Plans $8,781
Consumer Auto Loans $54,290
Other loans to individuals $81,494
All other loans & leases $94,137
Loans to foreign governments and official institutions $0
Other loans $6,128
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $16,065
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,376
Non 1-4 family restructured loans & leases $1,341
Total loans and leases (foreign) $0

First United Bank and Trust Company had $9,631,036,000 of loans outstanding in 2021. $8,568,867,000 of loans were in real estate loans. $2,175,570,000 of loans were in development loans. $467,879,000 of loans were in multifamily mortgage loans. $3,133,919,000 of loans were in 1-4 family mortgage loans. $63,369,000 of loans were in farm loans. $0 of loans were in credit card loans. $54,290,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,386 $343,380 $247,749
Nonfarm, nonresidential loans - <$100k 279 $12,007 $43,036
Nonfarm, nonresidential loans - $100-250k 429 $55,048 $128,317
Nonfarm, nonresidential loans - $250k-1MM 678 $276,325 $407,559
Commercial & Industrial, US addressed loans - <$1MM 6,003 $380,997 $63,468
Commercial & Industrial, US addressed loans - <$100k 4,602 $109,322 $23,755
Commercial & Industrial, US addressed loans - $100-250k 849 $96,921 $114,159
Commercial & Industrial, US addressed loans - $250k-1MM 552 $174,754 $316,583
Farmland loans - <$1MM 674 $78,315 $116,194
Farmland loans - <$100k 308 $13,181 $42,795
Farmland loans - $100-250k 271 $36,828 $135,897
Farmland loans - $250k-1MM 95 $28,306 $297,958
Agriculture operations loans - <$1MM 1,398 $53,789 $38,476
Agriculture operations loans - <$100k 1,193 $27,190 $22,791
Agriculture operations loans - $100-250k 164 $17,415 $106,189
Agriculture operations loans - $250k-1MM 41 $9,184 $224,000