The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2025
In 2025, The First National Bank & Trust Co of Chickasha, OK reported 198 mortgage applications totaling $60.7 million, up 20% from 2024. The average application was for $306,666, and applicants reported an average income of $117,523. 41% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oklahoma City, OK (139), Houston-The Woodlands-Sugar Land, TX (1) and Lawton, OK (1) (applications in parentheses).
| Mortgage Company & Address | The First National Bank & Trust Co Po Box 1130 Chickasha, OK 73018 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 198 |
| Total Mortgage Loan Application Amount | $60,720,000 |
| Average Mortgage Loan Application Amount | $306,666 |
| Highest Mortgage Loan Application Amount | $18,175,000 |
| Average Applicant Income | $117,523 |
| Highest Applicant Income | $682,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 84 | $ 12,980,000 | $ 154,523 | $ 114,000 |
| Garvin, Oklahoma | 37 | $ 4,125,000 | $ 111,486 | $ 93,000 |
| McClain, Oklahoma | 29 | $ 5,625,000 | $ 193,965 | $ 93,000 |
| Cleveland, Oklahoma | 13 | $ 5,205,000 | $ 400,384 | $ 141,000 |
| Canadian, Oklahoma | 6 | $ 1,670,000 | $ 278,333 | $ 138,000 |
| Oklahoma, Oklahoma | 6 | $ 6,820,000 | $ 1,136,666 | $ 163,000 |
| Stephens, Oklahoma | 6 | $ 2,400,000 | $ 400,000 | $ 64,000 |
| Caddo, Oklahoma | 5 | $ 1,175,000 | $ 235,000 | $ 136,000 |
| Pittsburg, Oklahoma | 2 | $ 980,000 | $ 490,000 | $ 154,000 |
| Comanche, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Creek, Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 72,000 |
| Custer, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Kingfisher, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Logan, Oklahoma | 1 | $ 575,000 | $ 575,000 | $ 173,000 |
| McIntosh, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 137,000 |
| Pushmataha, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 112,000 |
| Harris, Texas | 1 | $ 18,175,000 | $ 18,175,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co 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 | 117 | $45,815,000 | $391,000 | $18,175,000 | $122,000 | $682,000 |
| Refinancing | 41 | $11,445,000 | $279,000 | $1,945,000 | $137,000 | $398,000 |
| Home Improvement | 26 | $1,940,000 | $74,000 | $185,000 | $71,000 | $153,000 |
| Other Purpose | 8 | $940,000 | $117,000 | $395,000 | $122,000 | $239,000 |
| Cash-out Refinancing | 3 | $455,000 | $151,000 | $215,000 | $68,000 | $126,000 |
| Not Applicable | 3 | $125,000 | $41,000 | $85,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 87 | $39,825,000 | $457,000 | $18,175,000 | $0 | $0 |
| White | 76 | $12,870,000 | $169,000 | $685,000 | $113,000 | $398,000 |
| American Indian or Alaskan Native | 13 | $4,105,000 | $315,000 | $1,205,000 | $148,000 | $682,000 |
| Hispanic | 12 | $2,320,000 | $193,000 | $685,000 | $112,000 | $266,000 |
| Not Provided | 6 | $1,070,000 | $178,000 | $395,000 | $95,000 | $126,000 |
| Black or African American | 4 | $530,000 | $132,000 | $145,000 | $73,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 198 | $60,720,000 | $306,000 | $18,175,000 | $115,000 | $682,000 |
| 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 | 82 | $15,580,000 | $190,000 | $795,000 | $107,000 | $307,000 |
| Loan Purchased By The Institution | 51 | $6,105,000 | $119,000 | $595,000 | $0 | $0 |
| Application Withdrawn By Applicant | 35 | $11,285,000 | $322,000 | $1,945,000 | $160,000 | $682,000 |
| Application Denied By Financial Institution | 27 | $27,535,000 | $1,019,000 | $18,175,000 | $75,000 | $372,000 |
| Application Approved But Not Accepted | 3 | $215,000 | $71,000 | $115,000 | $113,000 | $153,000 |
| File Closed For Incompleteness | 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 | 171 | $33,185,000 | $194,000 | $1,945,000 | $125,000 | $682,000 |
| Debt-To-Income Ratio | 11 | $2,445,000 | $222,000 | $685,000 | $69,000 | $150,000 |
| Other | 7 | $24,195,000 | $3,456,000 | $18,175,000 | $52,000 | $88,000 |
| Credit History | 6 | $690,000 | $115,000 | $275,000 | $106,000 | $372,000 |
| Collateral | 3 | $205,000 | $68,000 | $105,000 | $57,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 The First National Bank & Trust Co'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 The First National Bank & Trust Co'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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