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 markets by origination volume include: Oklahoma City, Tulsa, and Shawnee among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)First Bethany Bank & Trust has an above average approval rate when compared to the average across all lenders.
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Originations
63Origination Dollar Volume (All Markets)
$7,385,000Top 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) | 56 | $6,510,000 | $116,250 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 6 | $420,000 | $70,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 63 | $7,385,000 | $117,222 | $0 | 0.00% |
For 2019, First Bethany Bank & Trust's most frequently originated type of loan was Conventional, with 63 originations.
Loan Reason
For 2019, First Bethany Bank & Trust's most frequently cited loan purpose was Home Purchase, with 27 originations. The 2nd most popular reason was Refi, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 63 | $7,385,000 | $117,222 | $0 | 0.00% |
For 2019, First Bethany Bank & Trust's most frequently cited loan duration was Other, with 63 originations.
Loan Sizing
2019 saw First Bethany Bank & Trust place emphasis on $100,000 or less loans with 36 originations, totaling $2,190,000 in origination value.
Applicant Income
First Bethany Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 8 originations. The second most popular income band? $75k-100k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 63 | $7,385,000 | $117,222 | $0 | 0.00% |
First Bethany Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 63 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.92%
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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 63 | $7,385,000 | $117,222 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $75,000 | $75,000 |
| Single Family (1-4 Units):Site-Built | 62 | $7,310,000 | $117,903 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HORIZON BANK | VA mortgage | Closing on a mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 6.7% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 20.0% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 2 | 13.3% |
| FIRST HORIZON BANK | FHA mortgage | Struggling to pay mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 4 | 26.7% |
| FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |