First Bethany Bank & Trust Mortgage Rates, Fees & Info
Bethany, OKLEI: 549300M16942DXVSKE61
Tax ID: 73-0509524
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Mortgage Data
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 two markets are Oklahoma City and Shawnee .First Bethany Bank & Trust 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.
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Originations
53Origination Dollar Volume (All Markets)
$11,105,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 52 | $10,990,000 | $211,346 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 53 | $11,105,000 | $209,528 | $0 | 0.00% |
For 2018, First Bethany Bank & Trust's most frequently originated type of loan was Conventional, with 53 originations.
Loan Reason
For 2018, First Bethany Bank & Trust's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 53 | $11,105,000 | $209,528 | $0 | 0.00% |
For 2018, First Bethany Bank & Trust's most frequently cited loan duration was Other, with 53 originations.
Loan Sizing
2018 saw First Bethany Bank & Trust place emphasis on $100,000 or less loans with 19 originations, totaling $1,175,000 in origination value.
Applicant Income
First Bethany Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 5 originations. The second most popular income band? $50k or less, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 53 | $11,105,000 | $209,528 | $0 | 0.00% |
First Bethany Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 53 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 origination88.68%
First Bethany Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 53 | $11,105,000 | $209,528 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 4 | $2,300,000 | $575,000 |
| Single Family (1-4 Units):Site-Built | 49 | $8,805,000 | $179,694 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 1 | 7.1% |
| FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 3 | 21.4% |
| FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 5 | 35.7% |
| FIRST HORIZON BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 7.1% |
| FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 7.1% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 7.1% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 7.1% |