Chickasha Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Chickasha Bank & Trust Company of Chickasha, OK reported 129 mortgage applications totaling $7.3 million, down 15% from 2005. The average application was for $56,542, and applicants reported an average income of $58,201. 81% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Oklahoma City, OK (79) and Lawton, OK (4).
| Mortgage Company & Address | Chickasha Bank & Trust Company 1924 S. 4th Chickasha, OK 73018 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 129 |
| Total Mortgage Loan Application Amount | $7,294,000 |
| Average Mortgage Loan Application Amount | $56,542 |
| Highest Mortgage Loan Application Amount | $362,000 |
| Average Applicant Income | $58,201 |
| Highest Applicant Income | $466,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Chickasha Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Grady, Oklahoma | 55 | $ 3,773,000 | $ 68,600 | $ 61,000 |
| Caddo, Oklahoma | 39 | $ 1,342,000 | $ 34,410 | $ 47,000 |
| McClain, Oklahoma | 20 | $ 1,160,000 | $ 58,000 | $ 55,000 |
| Comanche, Oklahoma | 5 | $ 206,000 | $ 41,200 | $ 73,000 |
| Cleveland, Oklahoma | 2 | $ 379,000 | $ 189,500 | $ 143,000 |
| Stephens, Oklahoma | 2 | $ 133,000 | $ 66,500 | $ 66,000 |
| Custer, Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Logan, Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 22,000 |
| Oklahoma, Oklahoma | 1 | $ 32,000 | $ 32,000 | $ 20,000 |
| Payne, Oklahoma | 1 | $ 92,000 | $ 92,000 | $ 77,000 |
| Pottawatomie, Oklahoma | 1 | $ 53,000 | $ 53,000 | $ 130,000 |
| Tillman, Oklahoma | 1 | $ 16,000 | $ 16,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Chickasha Bank & Trust Company in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 64 | $4,318,000 | $67,000 | $362,000 | $56,000 | $158,000 |
| Refinancing | 47 | $2,314,000 | $49,000 | $250,000 | $54,000 | $466,000 |
| Home Improvement | 18 | $662,000 | $36,000 | $194,000 | $77,000 | $240,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 121 | $6,999,000 | $57,000 | $362,000 | $57,000 | $466,000 |
| American Indian or Alaskan Native | 5 | $181,000 | $36,000 | $92,000 | $60,000 | $158,000 |
| Hispanic | 2 | $59,000 | $29,000 | $53,000 | $69,000 | $130,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $92,000 | $92,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 129 | $7,294,000 | $56,000 | $362,000 | $58,000 | $466,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 105 | $6,061,000 | $57,000 | $362,000 | $61,000 | $466,000 |
| Application Denied By Financial Institution | 15 | $709,000 | $47,000 | $150,000 | $36,000 | $72,000 |
| Application Withdrawn By Applicant | 8 | $471,000 | $58,000 | $125,000 | $57,000 | $150,000 |
| File Closed For Incompleteness | 1 | $53,000 | $53,000 | $53,000 | $130,000 | $130,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 10 | $528,000 | $52,000 | $150,000 | $39,000 | $72,000 |
| Collateral | 3 | $67,000 | $22,000 | $31,000 | $38,000 | $50,000 |
| Debt-To-Income Ratio | 2 | $114,000 | $57,000 | $95,000 | $18,000 | $27,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chickasha Bank & Trust Company's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Chickasha Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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