The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2004
In 2004, The First National Bank & Trust Co of Chickasha, OK reported 348 mortgage applications totaling $12.7 million. The average application was for $36,557, and applicants reported an average income of $52,609. 87% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Oklahoma City, OK (305) and Lawton, OK (1).
| 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 | 348 |
| Total Mortgage Loan Application Amount | $12,722,000 |
| Average Mortgage Loan Application Amount | $36,557 |
| Highest Mortgage Loan Application Amount | $200,000 |
| Average Applicant Income | $52,609 |
| Highest Applicant Income | $800,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 275 | $ 9,971,000 | $ 36,258 | $ 48,000 |
| McClain, Oklahoma | 21 | $ 806,000 | $ 38,380 | $ 49,000 |
| Garvin, Oklahoma | 18 | $ 644,000 | $ 35,777 | $ 45,000 |
| Caddo, Oklahoma | 10 | $ 589,000 | $ 58,900 | $ 34,000 |
| Stephens, Oklahoma | 7 | $ 197,000 | $ 28,142 | $ 35,000 |
| Canadian, Oklahoma | 3 | $ 109,000 | $ 36,333 | $ 75,000 |
| Cleveland, Oklahoma | 3 | $ 66,000 | $ 22,000 | $ 159,000 |
| Oklahoma, Oklahoma | 2 | $ 58,000 | $ 29,000 | $ 61,000 |
| Beckham, Oklahoma | 1 | $ 37,000 | $ 37,000 | $ 104,000 |
| Comanche, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 22,000 |
| Lincoln, Oklahoma | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Pottawatomie, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2004
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 | 165 | $6,115,000 | $28,000 | $200,000 | $46,000 | $800,000 |
| Refinancing | 125 | $4,871,000 | $38,000 | $180,000 | $52,000 | $369,000 |
| Home Improvement | 58 | $1,736,000 | $29,000 | $115,000 | $46,000 | $204,000 |
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 | 313 | $11,759,000 | $28,000 | $200,000 | $41,000 | $700,000 |
| Not applicable | 14 | $513,000 | $36,000 | $90,000 | $161,000 | $800,000 |
| American Indian or Alaskan Native | 10 | $182,000 | $18,000 | $40,000 | $27,000 | $68,000 |
| Hispanic | 5 | $97,000 | $19,000 | $60,000 | $29,000 | $58,000 |
| Not Provided | 3 | $81,000 | $27,000 | $59,000 | $46,000 | $66,000 |
| Black or African American | 3 | $90,000 | $30,000 | $38,000 | $49,000 | $97,000 |
| 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) | 345 | $12,647,000 | $27,500 | $200,000 | $44,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 3 | $75,000 | $25,000 | $30,000 | $76,000 | $98,000 |
| 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 | 303 | $11,016,000 | $23,000 | $200,000 | $55,500 | $800,000 |
| Application Denied By Financial Institution | 41 | $1,545,000 | $35,000 | $115,000 | $30,000 | $124,000 |
| Application Withdrawn By Applicant | 3 | $160,000 | $53,000 | $135,000 | $37,000 | $57,000 |
| File Closed For Incompleteness | 1 | $1,000 | $1,000 | $1,000 | $66,000 | $66,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 28 | $1,101,000 | $37,500 | $115,000 | $35,500 | $124,000 |
| Debt-To-Income Ratio | 7 | $249,000 | $33,000 | $63,000 | $24,000 | $61,000 |
| Collateral | 2 | $102,000 | $51,000 | $70,000 | $26,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $55,000 | $27,000 | $34,000 | $25,000 | $32,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $13,000 | $13,000 |
| Employment History | 1 | $33,000 | $33,000 | $33,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First National Bank & Trust Co's 2004 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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