Fnb & Trust of Ardmore Mortgage Lending & HMDA Data, 2021
In 2021, Fnb & Trust of Ardmore of Ardmore, OK reported 176 mortgage applications totaling $29.7 million. The average application was for $168,636, and applicants reported an average income of $131,642. 83% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Oklahoma City, OK (29), Panama City, FL (2) and Dallas-Plano-Irving, TX (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 | 176 |
| Total Mortgage Loan Application Amount | $29,680,000 |
| Average Mortgage Loan Application Amount | $168,636 |
| Highest Mortgage Loan Application Amount | $1,795,000 |
| Average Applicant Income | $131,642 |
| Highest Applicant Income | $1,200,000 |
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(HMDA) records Fnb & Trust of Ardmore filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Fnb & Trust of Ardmore in 2021
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 | 92 | $15,770,000 | $171,000 | $1,795,000 | $133,000 | $1,200,000 |
| Refinancing | 58 | $11,500,000 | $198,000 | $1,465,000 | $142,000 | $478,000 |
| Home Improvement | 15 | $645,000 | $43,000 | $105,000 | $72,000 | $151,000 |
| Other Purpose | 11 | $1,765,000 | $160,000 | $965,000 | $147,000 | $452,000 |
| 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 | 119 | $19,565,000 | $164,000 | $1,795,000 | $132,000 | $1,200,000 |
| Not applicable | 21 | $5,565,000 | $265,000 | $965,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $2,265,000 | $133,000 | $505,000 | $106,000 | $213,000 |
| Hispanic | 9 | $585,000 | $65,000 | $135,000 | $80,000 | $101,000 |
| Black or African American | 5 | $785,000 | $157,000 | $305,000 | $91,000 | $184,000 |
| Not Provided | 1 | $85,000 | $85,000 | $85,000 | $75,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $1,050,000 | $1,050,000 |
| Asian | 1 | $355,000 | $355,000 | $355,000 | $168,000 | $168,000 |
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) | 176 | $29,680,000 | $168,000 | $1,795,000 | $131,000 | $1,200,000 |
| 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 | 146 | $26,170,000 | $179,000 | $1,795,000 | $139,000 | $1,200,000 |
| Application Withdrawn By Applicant | 13 | $2,505,000 | $192,000 | $605,000 | $127,000 | $258,000 |
| Application Approved But Not Accepted | 8 | $560,000 | $70,000 | $215,000 | $99,000 | $178,000 |
| Application Denied By Financial Institution | 8 | $330,000 | $41,000 | $135,000 | $37,000 | $54,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $96,000 | $96,000 |
| 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 | 168 | $29,350,000 | $174,000 | $1,795,000 | $136,000 | $1,200,000 |
| Credit History | 5 | $125,000 | $25,000 | $65,000 | $33,000 | $43,000 |
| Debt-To-Income Ratio | 2 | $70,000 | $35,000 | $45,000 | $38,000 | $38,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $54,000 | $54,000 |
| 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 2021 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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