Fnb & Trust of Ardmore Mortgage Lending & HMDA Data, 2025
In 2025, Fnb & Trust of Ardmore of Ardmore, OK reported 168 mortgage applications totaling $35.0 million, up 12% from 2024. The average application was for $208,511, and applicants reported an average income of $143,083. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oklahoma City, OK (27), Crestview-Fort Walton Beach-Destin, FL (1) and West Palm Beach-Boca Raton-Delray Beach, FL (1) (applications in parentheses).
| Mortgage Company & Address | Fnb & Trust of Ardmore 405 West Main Ardmore, OK 73401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 168 |
| Total Mortgage Loan Application Amount | $35,030,000 |
| Average Mortgage Loan Application Amount | $208,511 |
| Highest Mortgage Loan Application Amount | $1,785,000 |
| Average Applicant Income | $143,083 |
| Highest Applicant Income | $877,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fnb & Trust of Ardmore filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 139 | $ 25,455,000 | $ 183,129 | $ 128,374 |
| Oklahoma City, OK | 27 | $ 7,485,000 | $ 277,222 | $ 278,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 335,000 | $ 335,000 | $ 180,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fnb & Trust of Ardmore in 2025
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 | 83 | $17,745,000 | $213,000 | $1,705,000 | $143,000 | $692,000 |
| Refinancing | 42 | $11,720,000 | $279,000 | $1,785,000 | $149,000 | $877,000 |
| Home Improvement | 27 | $4,115,000 | $152,000 | $1,755,000 | $149,000 | $502,000 |
| Other Purpose | 16 | $1,450,000 | $90,000 | $285,000 | $118,000 | $316,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 117 | $21,545,000 | $184,000 | $1,005,000 | $145,000 | $877,000 |
| Not applicable | 31 | $11,605,000 | $374,000 | $1,785,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $955,000 | $106,000 | $325,000 | $171,000 | $692,000 |
| Hispanic | 7 | $725,000 | $103,000 | $275,000 | $109,000 | $240,000 |
| Not Provided | 2 | $10,000 | $5,000 | $5,000 | $42,000 | $72,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $63,000 | $63,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $68,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 168 | $35,030,000 | $208,000 | $1,785,000 | $142,000 | $877,000 |
| 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 | 136 | $29,740,000 | $218,000 | $1,785,000 | $156,000 | $877,000 |
| Application Withdrawn By Applicant | 18 | $3,600,000 | $200,000 | $585,000 | $121,000 | $353,000 |
| Application Denied By Financial Institution | 10 | $1,040,000 | $104,000 | $405,000 | $66,000 | $122,000 |
| Application Approved But Not Accepted | 4 | $650,000 | $162,000 | $275,000 | $83,000 | $115,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 158 | $33,990,000 | $215,000 | $1,785,000 | $149,000 | $877,000 |
| Credit History | 7 | $445,000 | $63,000 | $175,000 | $63,000 | $122,000 |
| Debt-To-Income Ratio | 2 | $190,000 | $95,000 | $105,000 | $98,000 | $110,000 |
| Other | 1 | $405,000 | $405,000 | $405,000 | $23,000 | $23,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fnb & Trust of Ardmore's 2025 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 Fnb & Trust of Ardmore'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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