First United Bank And Trust Company Mortgage Rates, Fees & Info
Durant, OKLEI: 549300DMHEHNYZ2OLB41
Tax ID: 73-0222372
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Mortgage Data
Review & Overview
First United Bank And Trust Company is a small bank specializing in Home Purchase loans. First United Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Austin, Oklahoma City, Tulsa, and San Antonio among others. We have data for 145 markets. (Some data included below & more in-depth data is available with an active subscription.)First United Bank And Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First United Bank And Trust Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 7.04% | 4/5/25 |
| 30 Year Conventional Refi | 7.18% | 4/5/25 |
| 30 Year Cash-out Refi | 7.41% | 4/5/25 |
| 30 Year FHA Purchase | 7.29% | 4/5/25 |
| 30 Year FHA Refi | 6.50% | 4/5/25 |
| 30 Year VA Purchase | 6.53% | 4/5/25 |
| 30 Year VA Refi | 6.28% | 4/5/25 |
| 30 Year USDA Purchase | 6.98% | 4/5/25 |
| 15 Year Conventional Purchase | 6.51% | 4/5/25 |
| 15 Year Conventional Refi | 7.76% | 4/5/25 |
| 15 Year Cash-out Refi | 7.76% | 4/5/25 |
| 15 Year FHA Purchase | 5.92% | 4/5/25 |
| 15 Year FHA Refi | 6.37% | 4/5/25 |
| 15 Year VA Purchase | 5.36% | 4/5/25 |
| 15 Year VA Refi | 6.32% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First United Bank And Trust Company Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from First United Bank And Trust Company. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,177Origination Dollar Volume (All Markets)
$2,551,955,000Awards
First United Bank and Trust Company - 2024
First United Bank and Trust Company is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
First United Bank And Trust Company's average 30 year fixed mortgage rate was
6.75%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.2%.
Relative Fees (Closing Costs)
First United Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,403.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1,369 | $736,925,000 | $538,294 | $10,369 | 7.14% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 695 | $469,095,000 | $674,957 | $10,206 | 6.89% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1,730 | $404,140,000 | $233,607 | $6,745 | 7.41% |
| TULSA, OK (FHA|USDA|VA) | 800 | $217,780,000 | $272,225 | $8,861 | 6.60% |
| Outside of Metro Areas | 515 | $131,685,000 | $255,699 | $7,003 | 7.79% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 235 | $106,325,000 | $452,447 | $9,747 | 7.17% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 259 | $83,745,000 | $323,340 | $7,142 | 7.76% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 183 | $76,785,000 | $419,590 | $8,705 | 6.86% |
| Durant, OK (FHA|USDA|VA) | 299 | $50,935,000 | $170,351 | $5,745 | 8.10% |
| Shawnee, OK (FHA|USDA|VA) | 261 | $45,655,000 | $174,923 | $4,998 | 7.85% |
| LAWTON, OK (FHA|USDA|VA) | 186 | $40,560,000 | $218,065 | $7,747 | 6.63% |
| Ada, OK (FHA|USDA|VA) | 104 | $15,860,000 | $152,500 | $5,234 | 8.03% |
| Fredericksburg, TX (FHA|USDA|VA) | 29 | $13,985,000 | $482,241 | $9,347 | 7.79% |
| Gainesville, TX (FHA|USDA|VA) | 40 | $12,440,000 | $311,000 | $8,971 | 7.45% |
| Bonham, TX (FHA|USDA|VA) | 52 | $10,920,000 | $210,000 | $5,591 | 7.74% |
| Athens, TX (FHA|USDA|VA) | 17 | $9,975,000 | $586,765 | $7,364 | 7.27% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 24 | $8,700,000 | $362,500 | $11,142 | 7.26% |
| McAlester, OK (FHA|USDA|VA) | 46 | $7,720,000 | $167,826 | $5,709 | 7.52% |
| Ardmore, OK (FHA|USDA|VA) | 40 | $6,620,000 | $165,500 | $6,145 | 7.52% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 5 | $6,545,000 | $1,309,000 | $5,248 | 7.15% |
| Granbury, TX (FHA|USDA|VA) | 14 | $5,550,000 | $396,429 | $7,824 | 6.71% |
| Stillwater, OK (FHA|USDA|VA) | 18 | $4,510,000 | $250,556 | $7,527 | 7.13% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 8 | $4,190,000 | $523,750 | $9,668 | 7.26% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,695,000 | $539,000 | $5,008 | 6.93% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $2,535,000 | $362,143 | $7,472 | 6.70% |
| Mineral Wells, TX (FHA|USDA|VA) | 7 | $2,445,000 | $349,286 | $9,335 | 7.25% |
| Duncan, OK (FHA|USDA|VA) | 14 | $2,430,000 | $173,571 | $8,581 | 7.31% |
| Bartlesville, OK (FHA|USDA|VA) | 12 | $2,230,000 | $185,833 | $7,283 | 7.34% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $1,965,000 | $1,965,000 | $13,931 | 6.75% |
| MIDLAND, TX (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $8,986 | 6.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $1,825,000 | $608,333 | $12,378 | 6.96% |
| TYLER, TX (FHA|USDA|VA) | 4 | $1,800,000 | $450,000 | $7,980 | 7.19% |
| Kerrville, TX (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $7,917 | 6.78% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $11,692 | 6.50% |
| ENID, OK (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $6,746 | 6.96% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $7,428 | 7.00% |
| Muskogee, OK (FHA|USDA|VA) | 7 | $1,615,000 | $230,714 | $8,596 | 6.93% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $8,275 | 7.25% |
| WACO, TX (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $8,691 | 6.64% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $11,202 | 6.72% |
| SAN ANGELO, TX (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $9,223 | 7.06% |
| Paris, TX (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $10,884 | 7.37% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $5,551 | 7.19% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $6,994 | 6.56% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $5,844 | 6.40% |
| Stephenville, TX (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $13,495 | 7.24% |
| Tahlequah, OK (FHA|USDA|VA) | 8 | $1,190,000 | $148,750 | $4,941 | 7.59% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $16,027 | 8.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $5,261 | 7.23% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $8,923 | 8.06% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $16,254 | 7.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $6,363 | 6.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,623 | 6.83% |
| Taos, NM (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $9,666 | 6.81% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,738 | 7.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,725 | 6.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $4,366 | 6.88% |
| Sulphur Springs, TX (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,757 | 6.81% |
| RENO, NV (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $14,516 | 6.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $7,125 | 7.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,198 | 7.31% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $8,151 | 6.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,194 | 7.81% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,471 | 7.06% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,268 | 6.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $7,320 | 6.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,282 | 7.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,859 | 6.86% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $6,346 | 7.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,545 | 7.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,559 | 7.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,031 | 7.13% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 6.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,837 | 6.88% |
| Altus, OK (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,606 | 5.96% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,571 | 6.12% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $12,673 | 6.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,761 | 7.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 7.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $8,257 | 6.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,858 | 6.63% |
| Palestine, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,247 | 7.81% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,107 | 6.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,364 | 7.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,444 | 7.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,235 | 6.63% |
| Centralia, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,359 | 6.63% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 10.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,774 | 8.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,915 | 6.88% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 7.63% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,499 | 6.63% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $19,806 | 5.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,071 | 6.63% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,384 | 7.13% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,309 | 5.92% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 6.63% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,076 | 7.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,248 | 6.13% |
| Albertville, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,004 | 6.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.00% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,449 | 5.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,726 | 6.63% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,649 | 6.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,598 | 5.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,093 | 7.13% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,641 | 6.50% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,474 | 6.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,158 | 7.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,423 | 6.38% |
| Borger, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,768 | 6.50% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,923 | 7.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,852 | 7.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.88% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,238 | 7.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,007 | 6.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,112 | 8.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,806 | 6.63% |
| Newport, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,749 | 6.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,621 | 7.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,405 | 6.88% |
| Andrews, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,064 | 6.63% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,505 | 6.88% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,057 | 6.38% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.88% |
| Dumas, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,913 | 7.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.50% |
| Malvern, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,678 | 7.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,860 | 6.13% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.13% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,927 | 6.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,441 | 6.88% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.25% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,803 | 7.38% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,623 | 7.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,820 | 7.13% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,724 | 7.50% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,010 | 6.63% |
| Miami, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,275 | 6.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,733 | 6.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,085 | 6.75% |
| Winfield, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,082 | 6.38% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,043 | 7.13% |
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We use machine learning to identify the top lenders compared against First United Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, First United Bank And Trust Company's most frequently originated type of loan was Conventional, with 4,558 originations. Their 2nd most popular type was HELOC, with 1,031 originations.
Loan Reason
For 2024, First United Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 5,394 originations. The 2nd most popular reason was Other, with 662 originations.
Loan Duration/Length
For 2024, First United Bank And Trust Company's most frequently cited loan duration was 30 Year, with 4,946 originations. The 2nd most popular length was Other, with 1,117 originations.
Origination Fees/Closing Costs
First United Bank And Trust Company's average total fees were $8,403, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,268 originations.
Interest Rates
During 2024, First United Bank And Trust Company's average interest rate for loans was 6.75%, while their most frequently originated rate bucket for loans was 6-7%, with 3,146 originations.
Loan Sizing
2024 saw First United Bank And Trust Company place emphasis on $200k-400k loans with 2,819 originations, totaling $808,395,000 in origination value.
Applicant Income
First United Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 1,573 originations. The second most popular income band? $150k-250k, with 1,557 originations.
Applicant Debt to Income Ratio
First United Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 1,125 originations. The next most common DTI ratio? 30-36%, with 1,116 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.30%
First United Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination68.22%
First United Bank And Trust Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,177 | $2,551,955,000 | $355,574 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,177 | $2,551,955,000 | $355,574 |