Fnb & Trust of Ardmore Mortgage Lending & HMDA Data, 2023
In 2023, Fnb & Trust of Ardmore of Ardmore, OK reported 129 mortgage applications totaling $21.4 million, down 26% from 2022. The average application was for $166,162, and applicants reported an average income of $186,968. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oklahoma City, OK (14), Tulsa, OK (2) and Fort Worth-Arlington, 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 | 129 |
| Total Mortgage Loan Application Amount | $21,435,000 |
| Average Mortgage Loan Application Amount | $166,162 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $186,968 |
| Highest Applicant Income | $2,304,000 |
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(HMDA) records Fnb & Trust of Ardmore filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 72 | $14,860,000 | $206,000 | $705,000 | $233,000 | $2,304,000 |
| Refinancing | 22 | $3,620,000 | $164,000 | $525,000 | $110,000 | $338,000 |
| Other Purpose | 19 | $1,695,000 | $89,000 | $525,000 | $105,000 | $203,000 |
| Home Improvement | 16 | $1,260,000 | $78,000 | $295,000 | $183,000 | $730,000 |
| 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 | 84 | $14,190,000 | $168,000 | $705,000 | $176,000 | $2,304,000 |
| Not applicable | 14 | $2,240,000 | $160,000 | $465,000 | $0 | $0 |
| Hispanic | 12 | $2,390,000 | $199,000 | $405,000 | $332,000 | $2,112,000 |
| American Indian or Alaskan Native | 11 | $1,295,000 | $117,000 | $455,000 | $129,000 | $240,000 |
| Black or African American | 4 | $330,000 | $82,000 | $135,000 | $106,000 | $263,000 |
| Not Provided | 2 | $390,000 | $195,000 | $265,000 | $161,000 | $231,000 |
| Asian | 1 | $545,000 | $545,000 | $545,000 | $295,000 | $295,000 |
| 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) | 129 | $21,435,000 | $166,000 | $705,000 | $185,000 | $2,304,000 |
| 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 | 110 | $17,460,000 | $158,000 | $705,000 | $197,000 | $2,304,000 |
| Application Withdrawn By Applicant | 11 | $2,605,000 | $236,000 | $635,000 | $115,000 | $270,000 |
| Application Approved But Not Accepted | 5 | $1,135,000 | $227,000 | $405,000 | $216,000 | $469,000 |
| Application Denied By Financial Institution | 3 | $235,000 | $78,000 | $135,000 | $33,000 | $36,000 |
| 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 | 126 | $21,200,000 | $168,000 | $705,000 | $190,000 | $2,304,000 |
| Credit History | 3 | $235,000 | $78,000 | $135,000 | $33,000 | $36,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fnb & Trust of Ardmore's 2023 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About