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 mid-sized bank specializing in Home Purchase 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 by origination volume include: Dallas, Austin, Houston, Oklahoma City, and Tulsa among others. We have data for 167 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% | 4/28/24 |
| 30 Year Conventional Purchase | 6.55% | 4/28/24 |
| 30 Year Conventional Refi | 6.56% | 4/28/24 |
| 30 Year Cash-out Refi | 6.70% | 4/28/24 |
| 30 Year FHA Purchase | 7.63% | 4/28/24 |
| 30 Year FHA Refi | 7.56% | 4/28/24 |
| 30 Year VA Purchase | 6.38% | 4/28/24 |
| 30 Year VA Refi | 6.40% | 4/28/24 |
| 30 Year USDA Purchase | 6.88% | 4/28/24 |
| 15 Year Conventional Purchase | 6.49% | 4/28/24 |
| 15 Year Conventional Refi | 6.47% | 4/28/24 |
| 15 Year Cash-out Refi | 6.47% | 4/28/24 |
| 15 Year FHA Purchase | 7.07% | 4/28/24 |
| 15 Year FHA Refi | 7.37% | 4/28/24 |
| 15 Year VA Purchase | 6.09% | 4/28/24 |
| 15 Year VA Refi | 5.69% | 4/28/24 |
| 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
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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
11,098Origination Dollar Volume (All Markets)
$4,915,990,000Awards
First United Bank and Trust Company - 2022
First United Bank and Trust Company is a 2022 , due to their low .
For 2022, 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) | 2,329 | $1,449,395,000 | $622,325 | $8,606 | 4.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1,169 | $1,047,715,000 | $896,249 | $10,231 | 4.57% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 952 | $599,460,000 | $629,685 | $9,583 | 4.53% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2,079 | $486,255,000 | $233,889 | $5,872 | 5.28% |
| TULSA, OK (FHA|USDA|VA) | 1,079 | $273,375,000 | $253,360 | $7,600 | 4.86% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 465 | $267,945,000 | $576,226 | $9,784 | 4.94% |
| Outside of Metro Areas | 697 | $178,415,000 | $255,976 | $6,270 | 5.49% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 380 | $138,170,000 | $363,605 | $6,532 | 5.36% |
| Shawnee, OK (FHA|USDA|VA) | 355 | $59,515,000 | $167,648 | $4,504 | 5.48% |
| Durant, OK (FHA|USDA|VA) | 350 | $58,420,000 | $166,914 | $5,167 | 5.84% |
| LAWTON, OK (FHA|USDA|VA) | 256 | $53,800,000 | $210,156 | $6,883 | 4.96% |
| Fredericksburg, TX (FHA|USDA|VA) | 59 | $40,755,000 | $690,763 | $9,970 | 4.42% |
| Bonham, TX (FHA|USDA|VA) | 99 | $20,545,000 | $207,525 | $5,713 | 5.62% |
| Ada, OK (FHA|USDA|VA) | 124 | $18,820,000 | $151,774 | $4,156 | 5.73% |
| Gainesville, TX (FHA|USDA|VA) | 55 | $14,795,000 | $269,000 | $6,462 | 5.10% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 38 | $13,940,000 | $366,842 | $8,019 | 5.60% |
| Ardmore, OK (FHA|USDA|VA) | 71 | $13,555,000 | $190,915 | $5,690 | 5.45% |
| Huntsville, TX (FHA|USDA|VA) | 16 | $11,900,000 | $743,750 | $12,185 | 4.13% |
| Brenham, TX (FHA|USDA|VA) | 10 | $9,370,000 | $937,000 | $13,212 | 3.93% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 21 | $8,235,000 | $392,143 | $7,082 | 4.87% |
| Kerrville, TX (FHA|USDA|VA) | 12 | $7,390,000 | $615,833 | $8,608 | 4.55% |
| Athens, TX (FHA|USDA|VA) | 14 | $6,680,000 | $477,143 | $8,910 | 5.07% |
| Mineral Wells, TX (FHA|USDA|VA) | 13 | $5,695,000 | $438,077 | $8,930 | 5.04% |
| McAlester, OK (FHA|USDA|VA) | 28 | $5,420,000 | $193,571 | $4,868 | 5.38% |
| Bartlesville, OK (FHA|USDA|VA) | 20 | $4,770,000 | $238,500 | $6,483 | 5.30% |
| Stillwater, OK (FHA|USDA|VA) | 24 | $4,700,000 | $195,833 | $5,555 | 5.48% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $4,200,000 | $420,000 | $8,013 | 5.46% |
| Duncan, OK (FHA|USDA|VA) | 22 | $4,170,000 | $189,545 | $4,856 | 5.08% |
| Granbury, TX (FHA|USDA|VA) | 11 | $3,965,000 | $360,455 | $7,124 | 4.63% |
| WACO, TX (FHA|USDA|VA) | 10 | $3,900,000 | $390,000 | $6,538 | 5.39% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 12 | $3,420,000 | $285,000 | $6,424 | 5.24% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $3,210,000 | $401,250 | $6,943 | 4.97% |
| LUBBOCK, TX (FHA|USDA|VA) | 11 | $3,025,000 | $275,000 | $10,318 | 5.56% |
| Corsicana, TX (FHA|USDA|VA) | 6 | $3,020,000 | $503,333 | $8,352 | 4.50% |
| AMARILLO, TX (FHA|USDA|VA) | 9 | $2,775,000 | $308,333 | $6,144 | 5.64% |
| Tahlequah, OK (FHA|USDA|VA) | 11 | $2,115,000 | $192,273 | $5,604 | 4.72% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $7,219 | 5.15% |
| LONGVIEW, TX (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $9,908 | 4.70% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 10 | $2,060,000 | $206,000 | $5,729 | 4.90% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $2,025,000 | $405,000 | $8,327 | 4.95% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $5,182 | 4.56% |
| Stephenville, TX (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $5,930 | 4.99% |
| Muskogee, OK (FHA|USDA|VA) | 13 | $1,915,000 | $147,308 | $6,289 | 5.44% |
| MIDLAND, TX (FHA|USDA|VA) | 7 | $1,765,000 | $252,143 | $6,288 | 5.18% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $7,668 | 5.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $7,439 | 5.43% |
| Mount Pleasant, TX (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $5,166 | 5.11% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $5,570 | 4.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $3,318 | 4.17% |
| EL PASO, TX (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $7,531 | 5.66% |
| TYLER, TX (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $5,575 | 4.70% |
| ENID, OK (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $4,790 | 5.43% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $13,384 | 5.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $14,058 | 4.54% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $6,202 | 5.29% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $10,453 | 4.48% |
| Palestine, TX (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $6,501 | 4.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $10,387 | 4.31% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $13,623 | 6.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $6,200 | 5.81% |
| Weatherford, OK (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $5,928 | 5.22% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $5,857 | 6.31% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $5,764 | 5.46% |
| Paris, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $8,629 | 6.19% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $11,187 | 5.56% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $5,805 | 5.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $5,702 | 4.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $4,689 | 5.78% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,188 | 6.17% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $9,822 | 6.33% |
| SAN ANGELO, TX (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,366 | 5.63% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $15,807 | 5.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $6,758 | 5.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $5,901 | 4.56% |
| Seneca, SC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $7,762 | 6.00% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,622 | 4.38% |
| Woodward, OK (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,286 | 5.17% |
| Lufkin, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $12,301 | 5.38% |
| Taos, NM (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,750 | 4.63% |
| Altus, OK (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,129 | 4.17% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $9,892 | 4.81% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $7,578 | 5.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $12,704 | 6.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $24,434 | 5.63% |
| Ponca City, OK (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $4,720 | 5.68% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $17,121 | 4.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $6,175 | 3.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,282 | 4.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $9,510 | 3.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,247 | 6.94% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,529 | 4.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,130 | 5.00% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,219 | 4.58% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $15,302 | 5.75% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,728 | 6.63% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 4.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,890 | 7.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,340 | 3.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,084 | 7.50% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,464 | 6.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,920 | 5.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,597 | 5.13% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,404 | 6.38% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,973 | 3.38% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 6.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,649 | 3.00% |
| FLINT, MI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $21,179 | 4.38% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,117 | 4.63% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $16,633 | 6.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,730 | 5.19% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $12,071 | 4.50% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,448 | 2.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,914 | 3.25% |
| BEND, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,072 | 5.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,408 | 5.63% |
| Snyder, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,780 | 6.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,738 | 3.63% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 6.69% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 6.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,127 | 7.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,394 | 5.13% |
| Bay City, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,269 | 3.50% |
| Roswell, NM (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,814 | 3.94% |
| Miami, OK (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,121 | 5.38% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,003 | 5.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,325 | 6.38% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,276 | 6.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 5.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,066 | 3.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,081 | 4.88% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,998 | 3.13% |
| Key West, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,082 | 6.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,277 | 6.25% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,602 | 5.13% |
| El Campo, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,271 | 3.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.50% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,533 | 5.88% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,415 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,101 | 6.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,139 | 4.25% |
| Danville, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,589 | 5.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,101 | 5.88% |
| Branson, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,233 | 6.63% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,783 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,051 | 5.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,940 | 4.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,645 | 5.88% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,877 | 6.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,996 | 5.00% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,898 | 6.13% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,580 | 3.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.50% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,696 | 3.88% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,694 | 3.63% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,300 | 7.63% |
| Emporia, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,540 | 5.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.00% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,776 | 5.38% |
| Elk City, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,363 | 4.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,906 | 5.50% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,032 | 4.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.63% |
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Product Mix
For 2022, First United Bank And Trust Company's most frequently originated type of loan was Conventional, with 8,330 originations. Their 2nd most popular type was HELOC, with 1,215 originations.
Loan Reason
For 2022, First United Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 8,326 originations. The 2nd most popular reason was Refi, with 845 originations.
Loan Duration/Length
For 2022, First United Bank And Trust Company's most frequently cited loan duration was 30 Year, with 7,552 originations. The 2nd most popular length was Other, with 1,343 originations.
Origination Fees/Closing Costs
First United Bank And Trust Company's average total fees were $7,469, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,348 originations.
Interest Rates
During 2022, First United Bank And Trust Company's average interest rate for loans was 4.92%, while their most frequently originated rate bucket for loans was 5-6%, with 3,038 originations.
Loan Sizing
2022 saw First United Bank And Trust Company place emphasis on $200k-400k loans with 3,886 originations, totaling $1,117,150,000 in origination value.
Applicant Income
First United Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 2,301 originations. The second most popular income band? $150k-250k, with 2,207 originations.
Applicant Debt to Income Ratio
First United Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 2,040 originations. The next most common DTI ratio? 30-36%, with 2,009 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.66%
First United Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination70.12%
First United Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 11,098 | $4,915,990,000 | $442,962 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 11,098 | $4,915,990,000 | $442,962 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |