Fnb & Trust of Ardmore Mortgage Lending & HMDA Data, 2024
In 2024, Fnb & Trust of Ardmore of Ardmore, OK reported 150 mortgage applications totaling $26.1 million, up 16% from 2023. The average application was for $173,666, and applicants reported an average income of $202,053. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Oklahoma City, OK (24), 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 | 150 |
| Total Mortgage Loan Application Amount | $26,050,000 |
| Average Mortgage Loan Application Amount | $173,666 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $202,053 |
| Highest Applicant Income | $4,020,000 |
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(HMDA) records Fnb & Trust of Ardmore filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 84 | $17,650,000 | $210,000 | $1,175,000 | $201,000 | $2,174,000 |
| Refinancing | 30 | $6,270,000 | $209,000 | $615,000 | $155,000 | $493,000 |
| Other Purpose | 22 | $1,100,000 | $50,000 | $225,000 | $115,000 | $553,000 |
| Home Improvement | 14 | $1,030,000 | $73,000 | $155,000 | $446,000 | $4,020,000 |
| 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 | 95 | $14,195,000 | $149,000 | $665,000 | $202,000 | $4,020,000 |
| Not applicable | 25 | $5,735,000 | $229,000 | $1,175,000 | $0 | $0 |
| Hispanic | 10 | $1,540,000 | $154,000 | $375,000 | $110,000 | $300,000 |
| American Indian or Alaskan Native | 8 | $2,470,000 | $308,000 | $755,000 | $369,000 | $2,174,000 |
| Not Provided | 5 | $1,245,000 | $249,000 | $595,000 | $173,000 | $380,000 |
| Asian | 4 | $660,000 | $165,000 | $385,000 | $118,000 | $179,000 |
| Black or African American | 3 | $205,000 | $68,000 | $105,000 | $174,000 | $330,000 |
| 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) | 150 | $26,050,000 | $173,000 | $1,175,000 | $201,000 | $4,020,000 |
| 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 | 121 | $21,565,000 | $178,000 | $1,175,000 | $205,000 | $4,020,000 |
| Application Withdrawn By Applicant | 17 | $2,935,000 | $172,000 | $755,000 | $261,000 | $2,174,000 |
| Application Denied By Financial Institution | 7 | $905,000 | $129,000 | $535,000 | $52,000 | $132,000 |
| Application Approved But Not Accepted | 4 | $600,000 | $150,000 | $375,000 | $145,000 | $300,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| 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 | 143 | $25,145,000 | $175,000 | $1,175,000 | $210,000 | $4,020,000 |
| Credit History | 5 | $335,000 | $67,000 | $115,000 | $39,000 | $54,000 |
| Debt-To-Income Ratio | 2 | $570,000 | $285,000 | $535,000 | $83,000 | $132,000 |
| 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 2024 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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