Chickasha Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Chickasha Bank & Trust Company of Chickasha, OK reported 125 mortgage applications totaling $8.9 million, up 2% from 2007. The average application was for $71,312, and applicants reported an average income of $60,168. 78% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Oklahoma City, OK (77) and Lawton, OK (2).
| 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 | 125 |
| Total Mortgage Loan Application Amount | $8,914,000 |
| Average Mortgage Loan Application Amount | $71,312 |
| Highest Mortgage Loan Application Amount | $378,000 |
| Average Applicant Income | $60,168 |
| Highest Applicant Income | $242,000 |
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records Chickasha Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 52 | $ 4,075,000 | $ 78,365 | $ 53,000 |
| Caddo, Oklahoma | 41 | $ 1,676,000 | $ 40,878 | $ 62,000 |
| McClain, Oklahoma | 20 | $ 1,957,000 | $ 97,850 | $ 56,000 |
| Canadian, Oklahoma | 2 | $ 147,000 | $ 73,500 | $ 99,000 |
| Comanche, Oklahoma | 2 | $ 109,000 | $ 54,500 | $ 52,000 |
| Oklahoma, Oklahoma | 2 | $ 65,000 | $ 32,500 | $ 21,000 |
| Stephens, Oklahoma | 2 | $ 98,000 | $ 49,000 | $ 43,000 |
| Cleveland, Oklahoma | 1 | $ 370,000 | $ 370,000 | $ 242,000 |
| Garvin, Oklahoma | 1 | $ 27,000 | $ 27,000 | $ 16,000 |
| Jefferson, Oklahoma | 1 | $ 272,000 | $ 272,000 | $ 209,000 |
| Marshall, Oklahoma | 1 | $ 118,000 | $ 118,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Chickasha Bank & Trust Company in 2008
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 | 67 | $4,733,000 | $70,000 | $370,000 | $63,000 | $242,000 |
| Refinancing | 49 | $3,938,000 | $80,000 | $378,000 | $60,000 | $209,000 |
| Home Improvement | 9 | $243,000 | $27,000 | $57,000 | $40,000 | $96,000 |
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 | $8,759,000 | $72,000 | $378,000 | $61,000 | $242,000 |
| American Indian or Alaskan Native | 3 | $120,000 | $40,000 | $56,000 | $27,000 | $36,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $53,000 | $53,000 |
| 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 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 125 | $8,914,000 | $71,000 | $378,000 | $60,000 | $242,000 |
| 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 | 97 | $6,818,000 | $70,000 | $378,000 | $59,000 | $209,000 |
| Application Denied By Financial Institution | 19 | $1,124,000 | $59,000 | $180,000 | $47,000 | $127,000 |
| Application Withdrawn By Applicant | 9 | $972,000 | $108,000 | $370,000 | $99,000 | $242,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 12 | $630,000 | $52,000 | $122,000 | $49,000 | $127,000 |
| Debt-To-Income Ratio | 5 | $370,000 | $74,000 | $180,000 | $42,000 | $69,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $54,000 | $54,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chickasha Bank & Trust Company's 2008 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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