First Bethany Bank & Trust Mortgage Rates, Fees & Info

Bethany, OK

LEI: 549300M16942DXVSKE61

Tax ID: 73-0509524

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First Bethany Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. First Bethany Bank & Trust has a high proportion of conventional loans. Their top (well, only) market is Oklahoma City.

    First Bethany Bank & Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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    Originations

    46

    Origination Dollar Volume (All Markets)

    $9,160,000

    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
    OKLAHOMA CITY, OK (FHA|USDA|VA) 46 $9,160,000 $199,130 $0 0.00%
    First Bethany Bank & Trust's top markets include and Oklahoma City among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 46 $9,160,000 $199,130 $0 0.00%

    For 2024, First Bethany Bank & Trust's most frequently originated type of loan was Conventional, with 46 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 30 $5,450,000 $181,667 $0 0.00%
    Refi 13 $3,075,000 $236,538 $0 0.00%
    Other 2 $470,000 $235,000 $0 0.00%
    Home Improvement 1 $165,000 $165,000 $0 0.00%

    For 2024, First Bethany Bank & Trust's most frequently cited loan purpose was Home Purchase, with 30 originations. The 2nd most popular reason was Refi, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 46 $9,160,000 $199,130 $0 0.00%

    For 2024, First Bethany Bank & Trust's most frequently cited loan duration was Other, with 46 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 28 $1,940,000 $69,286 $0 0.00%
    $100k-200k 10 $1,420,000 $142,000 $0 0.00%
    $200k-400k 4 $990,000 $247,500 $0 0.00%
    $1MM+ 3 $4,175,000 $1,391,667 $0 0.00%
    $600k-1MM 1 $635,000 $635,000 $0 0.00%

    2024 saw First Bethany Bank & Trust place emphasis on $100,000 or less loans with 28 originations, totaling $1,940,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3 $465,000 $155,000 $0 0.00%
    $250k+ 2 $1,260,000 $630,000 $0 0.00%
    $150k-250k 1 $205,000 $205,000 $0 0.00%
    $50k-75k 1 $65,000 $65,000 $0 0.00%
    $50k or less 1 $85,000 $85,000 $0 0.00%
    $75k-100k 1 $165,000 $165,000 $0 0.00%

    First Bethany Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 3 originations. The second most popular income band? $250k+, with 2 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 46 $9,160,000 $199,130 $0 0.00%

    First Bethany Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 46 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 37 $6,915,000 $186,892 $0 0.00%
    Asian 3 $1,315,000 $438,333 $0 0.00%
    White 6 $930,000 $155,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.96%

    First Bethany Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    95.65%

    First Bethany Bank & Trust has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 46 $9,160,000 $199,130

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    46 $9,160,000 $199,130