First Bank & Trust Co. Mortgage Rates, Fees & Info
Duncan, OKLEI: 549300H6C1OV8E3V1P15
Tax ID: 73-1332958
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Mortgage Data
Review & Overview
First 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, Stillwater, and Edwards 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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Originations
281Origination Dollar Volume (All Markets)
$45,685,000Top 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 |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 90 | $20,420,000 | $226,889 | $0 | 0.00% |
| Duncan, OK (FHA|USDA|VA) | 69 | $8,475,000 | $122,826 | $0 | 0.00% |
| Ardmore, OK (FHA|USDA|VA) | 58 | $5,780,000 | $99,655 | $0 | 0.00% |
| Outside of Metro Areas | 34 | $4,710,000 | $138,529 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 15 | $2,145,000 | $143,000 | $0 | 0.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,615,000 | $1,615,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| Ada, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 281 | $45,685,000 | $162,580 | $0 | 0.00% |
For 2024, First Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 281 originations.
Loan Reason
For 2024, First Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 127 originations. The 2nd most popular reason was Refi, with 110 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 281 | $45,685,000 | $162,580 | $0 | 0.00% |
For 2024, First Bank & Trust Co.'s most frequently cited loan duration was Other, with 281 originations.
Loan Sizing
2024 saw First Bank & Trust Co. place emphasis on $100,000 or less loans with 162 originations, totaling $8,280,000 in origination value.
Applicant Income
First Bank & Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 50 originations. The second most popular income band? $50k-75k, with 44 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 281 | $45,685,000 | $162,580 | $0 | 0.00% |
First Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 281 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.07%
First Bank & Trust Co. has an average approval rate.
Pick Rate
Approvals leading to origination82.56%
First Bank & Trust Co. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 281 | $45,685,000 | $162,580 |