First Bank & Trust Co. Mortgage Rates, Fees & InfoDuncan, OK
Tax ID: 73-1332958
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewFirst Bank & Trust Co. is a smaller bank specializing in Home Purchase and Refi loans. First Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Duncan, Ardmore, Dallas, and Stillwater among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)
First Bank & Trust Co. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Origination Dollar Volume (All Markets)$63,285,000
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|
|OKLAHOMA CITY, OK (FHA|USDA|VA)||84||$29,860,000||$355,476||$0||0.00%|
|Duncan, OK (FHA|USDA|VA)||79||$9,535,000||$120,696||$0||0.00%|
|Ardmore, OK (FHA|USDA|VA)||80||$8,290,000||$103,625||$0||0.00%|
|Outside of Metro Areas||41||$6,805,000||$165,976||$0||0.00%|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||2||$3,680,000||$1,840,000||$0||0.00%|
|Stillwater, OK (FHA|USDA|VA)||12||$2,040,000||$170,000||$0||0.00%|
|LAWTON, OK (FHA|USDA|VA)||6||$1,310,000||$218,333||$0||0.00%|
|TULSA, OK (FHA|USDA|VA)||6||$670,000||$111,667||$0||0.00%|
|Shawnee, OK (FHA|USDA|VA)||1||$445,000||$445,000||$0||0.00%|
|KILLEEN-TEMPLE, TX (FHA|USDA|VA)||1||$175,000||$175,000||$0||0.00%|
|Tahlequah, OK (FHA|USDA|VA)||1||$145,000||$145,000||$0||0.00%|
|SHERMAN-DENISON, TX (FHA|USDA|VA)||1||$125,000||$125,000||$0||0.00%|
|Durant, OK (FHA|USDA|VA)||1||$95,000||$95,000||$0||0.00%|
|McAlester, OK (FHA|USDA|VA)||1||$75,000||$75,000||$0||0.00%|
|Ada, OK (FHA|USDA|VA)||1||$35,000||$35,000||$0||0.00%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, First Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 317 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, First Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 141 originations. The 2nd most popular reason was Refi, with 139 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, First Bank & Trust Co.'s most frequently cited loan duration was Other, with 317 originations.
2022 saw First Bank & Trust Co. place emphasis on $100,000 or less loans with 173 originations, totaling $9,205,000 in origination value.
First Bank & Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 60 originations. The second most popular income band? $50k or less, with 57 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
First Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 317 originations.
Approval RatesTotal approvals of all applications
First Bank & Trust Co. has an average approval rate.
Pick RateApprovals leading to origination
First Bank & Trust Co. 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|
|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%|