Chickasha Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Chickasha Bank & Trust Company of Chickasha, OK reported 64 mortgage applications totaling $9.7 million, up 21% from 2011. The average application was for $150,984, and applicants reported an average income of $91,531. 78% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Oklahoma City, OK (48) and Fort Worth-Arlington, TX (1).
| 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 | 64 |
| Total Mortgage Loan Application Amount | $9,663,000 |
| Average Mortgage Loan Application Amount | $150,984 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $91,531 |
| Highest Applicant Income | $671,000 |
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records Chickasha Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 34 | $ 3,622,000 | $ 106,529 | $ 83,000 |
| Caddo, Oklahoma | 7 | $ 488,000 | $ 69,714 | $ 59,000 |
| McClain, Oklahoma | 5 | $ 2,453,000 | $ 490,600 | $ 132,000 |
| Canadian, Oklahoma | 4 | $ 265,000 | $ 66,250 | $ 74,000 |
| Oklahoma, Oklahoma | 4 | $ 491,000 | $ 122,750 | $ 66,000 |
| Garvin, Oklahoma | 2 | $ 870,000 | $ 435,000 | $ 245,000 |
| McIntosh, Oklahoma | 2 | $ 74,000 | $ 37,000 | $ 97,000 |
| Cleveland, Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 50,000 |
| Payne, Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 37,000 |
| Pontotoc, Oklahoma | 1 | $ 989,000 | $ 989,000 | $ 434,000 |
| Pottawatomie, Oklahoma | 1 | $ 169,000 | $ 169,000 | $ 77,000 |
| Stephens, Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 76,000 |
| Tarrant, Texas | 1 | $ 124,000 | $ 124,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Chickasha Bank & Trust Company in 2012
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 | 35 | $4,611,000 | $131,000 | $1,200,000 | $81,000 | $671,000 |
| Refinancing | 27 | $4,937,000 | $182,000 | $1,425,000 | $107,000 | $434,000 |
| Home Improvement | 2 | $115,000 | $57,000 | $95,000 | $67,000 | $69,000 |
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 | 55 | $8,789,000 | $159,000 | $1,425,000 | $99,000 | $671,000 |
| Not applicable | 4 | $311,000 | $77,000 | $162,000 | $0 | $0 |
| Asian | 2 | $269,000 | $134,000 | $204,000 | $95,000 | $133,000 |
| Hispanic | 2 | $125,000 | $62,000 | $95,000 | $78,000 | $101,000 |
| Black or African American | 1 | $169,000 | $169,000 | $169,000 | $77,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 64 | $9,663,000 | $150,000 | $1,425,000 | $91,000 | $671,000 |
| 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 | 50 | $8,564,000 | $171,000 | $1,425,000 | $102,000 | $671,000 |
| Application Denied By Financial Institution | 8 | $719,000 | $89,000 | $180,000 | $56,000 | $101,000 |
| Application Withdrawn By Applicant | 6 | $380,000 | $63,000 | $128,000 | $53,000 | $101,000 |
| 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 | 5 | $421,000 | $84,000 | $169,000 | $52,000 | $101,000 |
| Collateral | 2 | $118,000 | $59,000 | $68,000 | $65,000 | $84,000 |
| Credit Application Incomplete | 1 | $180,000 | $180,000 | $180,000 | $54,000 | $54,000 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chickasha Bank & Trust Company's 2012 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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