First United Bank And Trust Company Mortgage Rates, Fees & Info
Durant, OKLEI: 549300DMHEHNYZ2OLB41
Tax ID: 73-0222372
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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, Oklahoma City, Houston, Austin, and Tulsa among others. We have data for 141 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.02% | 12/17/24 |
| 30 Year Conventional Purchase | 6.55% | 12/17/24 |
| 30 Year Conventional Refi | 6.56% | 12/17/24 |
| 30 Year Cash-out Refi | 6.70% | 12/17/24 |
| 30 Year FHA Purchase | 7.63% | 12/17/24 |
| 30 Year FHA Refi | 7.56% | 12/17/24 |
| 30 Year VA Purchase | 6.38% | 12/17/24 |
| 30 Year VA Refi | 6.40% | 12/17/24 |
| 30 Year USDA Purchase | 6.88% | 12/17/24 |
| 15 Year Conventional Purchase | 6.49% | 12/17/24 |
| 15 Year Conventional Refi | 6.47% | 12/17/24 |
| 15 Year Cash-out Refi | 6.47% | 12/17/24 |
| 15 Year FHA Purchase | 7.07% | 12/17/24 |
| 15 Year FHA Refi | 7.37% | 12/17/24 |
| 15 Year VA Purchase | 6.09% | 12/17/24 |
| 15 Year VA Refi | 5.69% | 12/17/24 |
| 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
10,076Origination Dollar Volume (All Markets)
$2,918,490,000Employee count
1,604Awards
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First United Bank and Trust Company - 2019
First United Bank and Trust Company is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 2,770 | $1,115,110,000 | $402,567 | $5,974 | 4.26% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2,050 | $407,510,000 | $198,785 | $4,306 | 4.58% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 614 | $264,270,000 | $430,407 | $6,608 | 4.08% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 427 | $235,095,000 | $550,574 | $6,483 | 4.13% |
| TULSA, OK (FHA|USDA|VA) | 1,071 | $220,595,000 | $205,971 | $5,082 | 4.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 437 | $172,595,000 | $394,954 | $6,674 | 4.21% |
| Outside of Metro Areas | 530 | $91,040,000 | $171,774 | $4,180 | 5.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 325 | $58,885,000 | $181,185 | $4,831 | 5.14% |
| LAWTON, OK (FHA|USDA|VA) | 260 | $45,700,000 | $175,769 | $5,328 | 4.13% |
| Shawnee, OK (FHA|USDA|VA) | 340 | $43,590,000 | $128,206 | $3,626 | 5.16% |
| Durant, OK (FHA|USDA|VA) | 303 | $38,915,000 | $128,432 | $4,079 | 5.52% |
| Muskogee, OK (FHA|USDA|VA) | 134 | $21,950,000 | $163,806 | $4,425 | 4.39% |
| Ardmore, OK (FHA|USDA|VA) | 138 | $20,530,000 | $148,768 | $4,470 | 4.51% |
| Bonham, TX (FHA|USDA|VA) | 77 | $15,325,000 | $199,026 | $4,247 | 5.08% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $12,115,000 | $12,115,000 | $0 | 5.18% |
| Ada, OK (FHA|USDA|VA) | 88 | $10,460,000 | $118,864 | $3,401 | 5.51% |
| Gainesville, TX (FHA|USDA|VA) | 47 | $10,445,000 | $222,234 | $4,651 | 4.67% |
| Fredericksburg, TX (FHA|USDA|VA) | 34 | $8,740,000 | $257,059 | $5,085 | 4.87% |
| Granbury, TX (FHA|USDA|VA) | 30 | $8,370,000 | $279,000 | $4,770 | 4.25% |
| McAlester, OK (FHA|USDA|VA) | 48 | $7,430,000 | $154,792 | $4,426 | 4.35% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $7,385,000 | $1,477,000 | $10,335 | 4.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 17 | $7,245,000 | $426,176 | $4,942 | 5.21% |
| Huntsville, TX (FHA|USDA|VA) | 9 | $6,165,000 | $685,000 | $8,833 | 4.28% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $8,948 | 3.50% |
| Tahlequah, OK (FHA|USDA|VA) | 22 | $4,480,000 | $203,636 | $4,622 | 4.22% |
| Stillwater, OK (FHA|USDA|VA) | 18 | $3,760,000 | $208,889 | $4,115 | 4.72% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 9 | $3,395,000 | $377,222 | $6,730 | 4.43% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $3,050,000 | $508,333 | $5,571 | 4.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 9 | $2,955,000 | $328,333 | $4,534 | 3.99% |
| Mineral Wells, TX (FHA|USDA|VA) | 11 | $2,885,000 | $262,273 | $4,634 | 4.75% |
| WACO, TX (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $6,035 | 4.74% |
| Edwards, CO (FHA|USDA|VA) | 2 | $2,460,000 | $1,230,000 | $13,203 | 3.75% |
| TYLER, TX (FHA|USDA|VA) | 9 | $2,425,000 | $269,444 | $5,639 | 4.54% |
| Bartlesville, OK (FHA|USDA|VA) | 15 | $2,175,000 | $145,000 | $5,042 | 4.13% |
| Duncan, OK (FHA|USDA|VA) | 12 | $1,960,000 | $163,333 | $3,704 | 4.28% |
| Kerrville, TX (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $7,330 | 4.34% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $4,861 | 4.19% |
| ENID, OK (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $3,731 | 4.04% |
| Rockport, TX (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $4,439 | 4.16% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $5,253 | 3.96% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $4,291 | 3.97% |
| Athens, TX (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $4,922 | 5.13% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $5,747 | 4.65% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $4,113 | 4.29% |
| Stephenville, TX (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $6,704 | 4.16% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $5,057 | 4.59% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $8,268 | 4.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $7,256 | 3.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $6,447 | 5.19% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $5,219 | 3.88% |
| Paris, TX (FHA|USDA|VA) | 7 | $855,000 | $122,143 | $3,635 | 4.70% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,694 | 4.17% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $4,917 | 4.25% |
| Ponca City, OK (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $4,191 | 4.72% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,858 | 3.75% |
| Brenham, TX (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,500 | 4.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,330 | 3.81% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,347 | 4.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,174 | 3.83% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,291 | 4.25% |
| Woodward, OK (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,858 | 4.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $4,614 | 4.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,746 | 3.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $6,592 | 4.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,978 | 4.25% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,425 | 4.31% |
| Taos, NM (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,448 | 4.06% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $7,208 | 3.63% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $10,386 | 4.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,425 | 4.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,395 | 4.38% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,433 | 4.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,845 | 4.31% |
| Hilo, HI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,207 | 3.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,902 | 3.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,715 | 4.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,524 | 3.69% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,166 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,674 | 4.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,258 | 4.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,742 | 4.38% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,702 | 4.13% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,490 | 3.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,279 | 4.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,490 | 4.38% |
| Altus, OK (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,719 | 5.33% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,474 | 3.75% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,566 | 4.19% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,682 | 3.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,526 | 3.50% |
| RENO, NV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,065 | 4.38% |
| Guymon, OK (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,639 | 4.38% |
| Beeville, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,254 | 3.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,562 | 3.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,547 | 4.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,420 | 4.88% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,802 | 4.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,187 | 4.38% |
| Durango, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,644 | 3.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,371 | 3.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 3.63% |
| Mount Pleasant, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,299 | 3.50% |
| Alice, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,330 | 5.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,432 | 3.75% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,200 | 3.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,707 | 3.44% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,847 | 4.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,436 | 3.81% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,165 | 4.13% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,866 | 3.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,703 | 3.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,880 | 3.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,813 | 3.88% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,444 | 3.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,026 | 4.13% |
| Newport, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,326 | 4.88% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,061 | 4.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.88% |
| El Campo, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,111 | 4.06% |
| Branson, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,573 | 3.63% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,188 | 4.13% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,029 | 4.38% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,192 | 4.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,301 | 3.63% |
| Miami, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,941 | 5.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,300 | 4.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,919 | 4.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,565 | 3.50% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,379 | 4.63% |
| Andrews, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,597 | 3.13% |
| Garden City, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,055 | 4.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,323 | 3.88% |
| McPherson, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,851 | 4.38% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,026 | 3.63% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,548 | 3.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,364 | 4.38% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,764 | 4.00% |
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Product Mix
For 2019, First United Bank And Trust Company's most frequently originated type of loan was Conventional, with 6,987 originations. Their 2nd most popular type was FHA, with 1,488 originations.
Loan Reason
For 2019, First United Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 7,295 originations. The 2nd most popular reason was Refi, with 1,553 originations.
Loan Duration/Length
For 2019, First United Bank And Trust Company's most frequently cited loan duration was 30 Year, with 7,231 originations. The 2nd most popular length was Other, with 805 originations.
Origination Fees/Closing Costs
First United Bank And Trust Company's average total fees were $5,193, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,052 originations.
Interest Rates
During 2019, First United Bank And Trust Company's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 3-4%, with 4,119 originations.
Loan Sizing
2019 saw First United Bank And Trust Company place emphasis on $200k-400k loans with 3,619 originations, totaling $1,007,785,000 in origination value.
Applicant Income
First United Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 2,201 originations. The second most popular income band? $100k-150k, with 1,856 originations.
Applicant Debt to Income Ratio
First United Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 1,987 originations. The next most common DTI ratio? 30-36%, with 1,860 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.80%
First United Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination76.76%
First United Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 10,076 | $2,918,490,000 | $289,648 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | FHA mortgage | Struggling to pay mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 2 | 13.3% |
| FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 4 | 26.7% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 20.0% |
| FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 6.7% |
| FIRST HORIZON BANK | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | VA mortgage | Closing on a mortgage | 1 | 6.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First United Bank and Trust Company | 1221 Arlington Ada, OK 74820 | Full Service B&M | $27,833 |
| First United Bank and Trust Company | 100 North Preston Road Prosper, TX 75078 | Full Service B&M | $37,124 |
| First United Bank and Trust Company | 101 Burney Street Colbert, OK 74733 | Full Service B&M | $39,080 |
| First United Bank and Trust Company | 101 East Broadway Gainesville, TX 76240 | Full Service B&M | $81,774 |
| First United Bank and Trust Company | 102 East Main Street Holdenville, OK 74848 | Full Service B&M | $90,913 |
| First United Bank and Trust Company | 102 West Main Street Bokchito, OK 74726 | Full Service B&M | $31,093 |
| First United Bank and Trust Company | 10526 West Parmer Lane Austin, TX 78717 | Full Service B&M | $46,410 |
| First United Bank and Trust Company | 10731 South Western Avenue Oklahoma City, OK 73170 | Full Service B&M | $106,650 |
| First United Bank and Trust Company | 120 West Sam Rayburn Drive Bonham, TX 75418 | Full Service B&M | $89,431 |
| First United Bank and Trust Company | 1318 South Hwy 16 Fredericksburg, TX 78624 | Full Service B&M | $18,744 |
| First United Bank and Trust Company | 1400 West Main Street Durant, OK 74701 | Full Service B&M | $729,685 |
| First United Bank and Trust Company | 1403 West Chapman Drive Sanger, TX 76266 | Full Service B&M | $61,946 |
| First United Bank and Trust Company | 1410 North First Avenue Durant, OK 74701 | Full Service B&M | $5,347 |
| First United Bank and Trust Company | 1517 Centre Place Drive Denton, TX 76205 | Full Service B&M | $134,324 |
| First United Bank and Trust Company | 1539 East Court Street Seguin, TX 78155 | Full Service B&M | $53,995 |
| First United Bank and Trust Company | 1600 South Agnew Ave Oklahoma City, OK 73108 | Full Service B&M | $47,492 |
| First United Bank and Trust Company | 1700 Redbud Blvd Mckinney, TX 75069 | Full Service B&M | $127,003 |
| First United Bank and Trust Company | 1710 North Llano Fredericksburg, TX 78624 | Full Service B&M | $185,197 |
| First United Bank and Trust Company | 19099 Fm 2252 Garden Ridge, TX 78266 | Full Service B&M | $43,808 |
| First United Bank and Trust Company | 1913 Ranch Road 620 South Lakeway, TX 78734 | Full Service B&M | $67,141 |
| First United Bank and Trust Company | 200 North Austin Street Seguin, TX 78155 | Full Service B&M | $221,205 |
| First United Bank and Trust Company | 200 W Collins Street Leonard, TX 75452 | Full Service B&M | $39,291 |
| First United Bank and Trust Company | 2000 West Grant Pauls Valley, OK 73075 | Full Service B&M | $5,535 |
| First United Bank and Trust Company | 201 N. Milt Phillips Seminole, OK 74868 | Full Service B&M | $63,051 |
| First United Bank and Trust Company | 2011 Texoma Parkway Sherman, TX 75090 | Full Service B&M | $263,357 |
| First United Bank and Trust Company | 2025 West University Durant, OK 74701 | Full Service B&M | $27,073 |
| First United Bank and Trust Company | 20480 Hwy 46 Spring Branch, TX 78070 | Full Service B&M | $34,923 |
| First United Bank and Trust Company | 2101 S I-35 Frontage Road Moore, OK 73160 | Full Service B&M | $41,781 |
| First United Bank and Trust Company | 221 West 12th Street Ada, OK 74820 | Full Service B&M | $636,126 |
| First United Bank and Trust Company | 223 South Mekusukey Avenue Wewoka, OK 74884 | Full Service B&M | $26,232 |
| First United Bank and Trust Company | 2675 North Harrison Shawnee, OK 74804 | Full Service B&M | $145,778 |
| First United Bank and Trust Company | 2725 Bee Caves Rd Austin, TX 78746 | Full Service B&M | $86,648 |
| First United Bank and Trust Company | 2730 West University Drive Denton, TX 76201 | Full Service B&M | $81,619 |
| First United Bank and Trust Company | 300 West Lillie Boulevard Madill, OK 73446 | Full Service B&M | $72,353 |
| First United Bank and Trust Company | 301 North Broadway Tecumseh, OK 74873 | Full Service B&M | $50,557 |
| First United Bank and Trust Company | 311 Ranch Road 2900 Kingsland, TX 78639 | Full Service B&M | $36,857 |
| First United Bank and Trust Company | 315 East Dewey Sapulpa, OK 74066 | Full Service B&M | $88,212 |
| First United Bank and Trust Company | 315 West Grant Avenue Pauls Valley, OK 73075 | Full Service B&M | $83,962 |
| First United Bank and Trust Company | 317 6th Street Maysville, OK 73057 | Full Service B&M | $12,209 |
| First United Bank and Trust Company | 324 West Main Street Purcell, OK 73080 | Full Service B&M | $103,606 |
| First United Bank and Trust Company | 3326 Fm 120 Denison, TX 75020 | Full Service B&M | $59,500 |
| First United Bank and Trust Company | 3712 West Main Street Durant, OK 74701 | Full Service B&M | $8,443 |
| First United Bank and Trust Company | 400 North Travis Sherman, TX 75090 | Full Service B&M | $94,428 |
| First United Bank and Trust Company | 4008 Medical Parkway Austin, TX 78756 | Full Service B&M | $42,782 |
| First United Bank and Trust Company | 401 Taylor Street Sherman, TX 75090 | Full Service B&M | $19,219 |
| First United Bank and Trust Company | 418 Highway 281 Marble Falls, TX 78654 | Full Service B&M | $184,689 |
| First United Bank and Trust Company | 4439 North Kickapoo Avenue Shawnee, OK 74804 | Full Service B&M | $22,381 |
| First United Bank and Trust Company | 4917 Fm 3009 Schertz, TX 78154 | Full Service B&M | $88,331 |
| First United Bank and Trust Company | 4925 Southeast 44th Street Norman, OK 73072 | Full Service B&M | $32,773 |
| First United Bank and Trust Company | 5000 Texoma Parkway Sherman, TX 75090 | Limited, Drive-thru | $18,659 |
| First United Bank and Trust Company | 501 West Fm 120 Pottsboro, TX 75076 | Full Service B&M | $96,562 |
| First United Bank and Trust Company | 512 North Broadway Avenue Oklahoma City, OK 73102 | Full Service B&M | $99,833 |
| First United Bank and Trust Company | 570 Northwest 24th Avenue Norman, OK 73069 | Full Service B&M | $103,594 |
| First United Bank and Trust Company | 6000 South Western Avenue Oklahoma City, OK 73139 | Full Service B&M | $72,691 |
| First United Bank and Trust Company | 601 North Service Road Calera, OK 74730 | Full Service B&M | $82,221 |
| First United Bank and Trust Company | 6100 Preston Road Frisco, TX 75034 | Full Service B&M | $63,018 |
| First United Bank and Trust Company | 6401 South Custer Road Mckinney, TX 75071 | Full Service B&M | $128,575 |
| First United Bank and Trust Company | 6905 W Fm 2147 Horseshoe Bay, TX 78657 | Full Service B&M | $97,207 |
| First United Bank and Trust Company | 7050 Lebanon Road Frisco, TX 75034 | Full Service B&M | $20,452 |
| First United Bank and Trust Company | 7286 West Adams Avenue Temple, TX 76502 | Full Service B&M | $53,236 |
| First United Bank and Trust Company | 801 12th Avenue Northeast Norman, OK 73071 | Full Service B&M | $43,272 |
| First United Bank and Trust Company | 801 East Jackson Hugo, OK 74743 | Full Service B&M | $88,458 |
| First United Bank and Trust Company | 815 South Main Sapulpa, OK 74066 | Full Service B&M | $8,269 |
| First United Bank and Trust Company | 8201 Preston Road, Suite 265 Dallas, TX 75225 | Full Service B&M | $302,523 |
| First United Bank and Trust Company | 851 Hwy. 377n Whitesboro, TX 76273 | Full Service B&M | $69,330 |
| First United Bank and Trust Company | 901 North State Hwy 46 Seguin, TX 78155 | Full Service B&M | $25,234 |
| First United Bank and Trust Company | 931 West Main Street Denison, TX 75020 | Full Service B&M | $168,597 |
| First United Bank and Trust Company | 960 East Mccart Street Krum, TX 76249 | Full Service B&M | $75,247 |
For 2019, First United Bank And Trust Company had 68 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $355,298 |
| Net interest income | $275,425 |
| Total noninterest income | $129,839 |
| Gross Fiduciary activities income | $293 |
| Service charges on deposit accounts | $17,379 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $112,167 |
| Pre-tax net operating income | $115,641 |
| Securities gains (or losses, -) | $3,235 |
| Income before extraordinary items | $59,490 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $59,490 |
| Minority interest net income | $0 |
| Net income | $59,490 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $56,934 |
First United Bank And Trust Company's gross interest income from loans was $355,298,000.
First United Bank And Trust Company's net interest income from loans was $275,425,000.
First United Bank And Trust Company's fee based income from loans was $17,379,000.
First United Bank And Trust Company's net income from loans was $59,490,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $79,873 |
| Provision for credit losses | $15,942 |
| Total noninterest expense | $273,681 |
| Salaries and employee benefits | $164,809 |
| Premises and equipment expense | $25,852 |
| Additional noninterest expense | $83,020 |
| Applicable income taxes | $59,386 |
| Net charge-offs | $7,421 |
| Cash dividends | $33,216 |
First United Bank And Trust Company's interest expense for loans was $79,873,000.
First United Bank And Trust Company's payroll and benefits expense were $164,809,000.
First United Bank And Trust Company's property, plant and equipment expenses $25,852,000.
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 | 1.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 3.5% |
| 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 | $6,603,058 |
| Deposits held in domestic offices | $6,603,058 |
| Deposits by Individuals, partnerships, and corporations | $5,401,430 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $1,201,382 |
| Deposits by Commercial banks and other depository institutions in U.S. | $246 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $833,783 |
| Demand deposits | $480,982 |
| Nontransaction accounts | $5,769,275 |
| Money market deposit accounts (MMDAs) | $3,357,411 |
| Other savings deposits (excluding MMDAs) | $392,531 |
| Total time deposits | $2,019,333 |
| Total time and savings deposits | $6,122,076 |
| Noninterest-bearing deposits | $1,553,085 |
| Interest-bearing deposits | $5,049,973 |
| Retail deposits | $5,816,324 |
| IRAs and Keogh plan accounts | $192,917 |
| Brokered deposits | $221,426 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $8,090,901 |
| Cash & Balances due from depository institutions | $306,995 |
| Interest-bearing balances | $198,698 |
| Total securities | $1,246,323 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $5,926,523 |
| Loan and leases loss allowance | $48,434 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $177,999 |
| Other real estate owned | $9,899 |
| Goodwill and other intangibles | $171,035 |
| All other assets | $252,127 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $8,090,901 |
| Total Liabilities | $7,278,506 |
| Total deposits | $6,603,058 |
| Interest-bearing deposits | $5,049,973 |
| Deposits held in domestic offices | $6,603,058 |
| % insured (estimated) | $68 |
| Federal funds purchased and repurchase agreements | $133,096 |
| Trading liabilities | $0 |
| Other borrowed funds | $458,952 |
| Subordinated debt | $3,093 |
| All other liabilities | $80,307 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $5,926,523 |
| Loan and leases loss allowance | $48,434 |
| Total loans and leases (domestic) | $5,974,957 |
| All real estate loans | $5,020,516 |
| Real estate loans in domestic offices | $5,020,516 |
| Construction and development loans | $1,182,131 |
| Residential 1-4 family construction | $512,304 |
| Other construction, all land development and other land | $669,827 |
| Loans secured by nonfarm nonresidential properties | $1,764,686 |
| Nonfarm nonresidential secured by owner-occupied properties | $404,261 |
| Commercial real estate & other non-farm, non-residential | $1,360,425 |
| Multifamily residential real estate | $122,792 |
| 1-4 family residential loans | $1,798,644 |
| Farmland loans | $152,263 |
| Loans held in foreign offices | $0 |
| Farm loans | $62,323 |
| Commercial and industrial loans | $617,101 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $174,838 |
| Credit card loans | $6,584 |
| Related Plans | $8,424 |
| Consumer Auto Loans | $85,365 |
| Other loans to individuals | $74,465 |
| All other loans & leases | $103,120 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $6,002 |
| 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 | $2,561 |
| Non 1-4 family restructured loans & leases | $2,561 |
| Total loans and leases (foreign) | $0 |
First United Bank and Trust Company had $5,926,523,000 of loans outstanding in 2019. $5,020,516,000 of loans were in real estate loans. $1,182,131,000 of loans were in development loans. $122,792,000 of loans were in multifamily mortgage loans. $1,798,644,000 of loans were in 1-4 family mortgage loans. $62,323,000 of loans were in farm loans. $6,584,000 of loans were in credit card loans. $85,365,000 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 | 1,158 | $246,149 | $212,564 |
| Nonfarm, nonresidential loans - <$100k | 293 | $12,078 | $41,222 |
| Nonfarm, nonresidential loans - $100-250k | 384 | $48,641 | $126,669 |
| Nonfarm, nonresidential loans - $250k-1MM | 481 | $185,430 | $385,509 |
| Commercial & Industrial, US addressed loans - <$1MM | 3,185 | $225,786 | $70,890 |
| Commercial & Industrial, US addressed loans - <$100k | 2,274 | $54,818 | $24,106 |
| Commercial & Industrial, US addressed loans - $100-250k | 520 | $54,578 | $104,958 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 391 | $116,390 | $297,673 |
| Farmland loans - <$1MM | 643 | $67,655 | $105,218 |
| Farmland loans - <$100k | 330 | $13,451 | $40,761 |
| Farmland loans - $100-250k | 228 | $30,136 | $132,175 |
| Farmland loans - $250k-1MM | 85 | $24,068 | $283,153 |
| Agriculture operations loans - <$1MM | 1,378 | $54,831 | $39,790 |
| Agriculture operations loans - <$100k | 1,182 | $27,074 | $22,905 |
| Agriculture operations loans - $100-250k | 153 | $16,831 | $110,007 |
| Agriculture operations loans - $250k-1MM | 43 | $10,926 | $254,093 |