The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, The First National Bank & Trust Co of Chickasha, OK reported 327 mortgage applications totaling $18.8 million, down 7% from 2008. The average application was for $57,605, and applicants reported an average income of $90,733. 84% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oklahoma City, OK (267) and Lawton, OK (6).
| 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 | 327 |
| Total Mortgage Loan Application Amount | $18,837,000 |
| Average Mortgage Loan Application Amount | $57,605 |
| Highest Mortgage Loan Application Amount | $841,000 |
| Average Applicant Income | $90,733 |
| Highest Applicant Income | $2,350,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 224 | $ 13,859,000 | $ 61,870 | $ 94,000 |
| McClain, Oklahoma | 29 | $ 2,037,000 | $ 70,241 | $ 131,000 |
| Garvin, Oklahoma | 24 | $ 931,000 | $ 38,791 | $ 88,000 |
| Caddo, Oklahoma | 20 | $ 620,000 | $ 31,000 | $ 39,000 |
| Oklahoma, Oklahoma | 8 | $ 382,000 | $ 47,750 | $ 66,000 |
| Comanche, Oklahoma | 6 | $ 194,000 | $ 32,333 | $ 95,000 |
| Stephens, Oklahoma | 6 | $ 339,000 | $ 56,500 | $ 62,000 |
| Cleveland, Oklahoma | 3 | $ 71,000 | $ 23,666 | $ 37,000 |
| Canadian, Oklahoma | 2 | $ 183,000 | $ 91,500 | $ 49,000 |
| Lincoln, Oklahoma | 1 | $ 7,000 | $ 7,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 134 | $10,076,000 | $75,000 | $841,000 | $113,000 | $2,350,000 |
| Home Purchase | 123 | $5,467,000 | $44,000 | $495,000 | $76,000 | $503,000 |
| Home Improvement | 70 | $3,294,000 | $47,000 | $766,000 | $74,000 | $370,000 |
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 | 264 | $15,773,000 | $59,000 | $841,000 | $81,000 | $2,350,000 |
| Not applicable | 34 | $2,245,000 | $66,000 | $350,000 | $201,000 | $1,026,000 |
| American Indian or Alaskan Native | 15 | $510,000 | $34,000 | $106,000 | $61,000 | $289,000 |
| Black or African American | 9 | $207,000 | $23,000 | $40,000 | $43,000 | $94,000 |
| Not Provided | 4 | $72,000 | $18,000 | $30,000 | $26,000 | $75,000 |
| Hispanic | 1 | $30,000 | $30,000 | $30,000 | $26,000 | $26,000 |
| 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) | 327 | $18,837,000 | $57,000 | $841,000 | $91,000 | $2,350,000 |
| 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 | 275 | $16,891,000 | $61,000 | $841,000 | $98,000 | $2,350,000 |
| Application Denied By Financial Institution | 45 | $1,770,000 | $39,000 | $206,000 | $55,000 | $528,000 |
| Application Withdrawn By Applicant | 3 | $105,000 | $35,000 | $50,000 | $32,000 | $34,000 |
| File Closed For Incompleteness | 2 | $41,000 | $20,000 | $30,000 | $13,000 | $26,000 |
| Application Approved But Not Accepted | 2 | $30,000 | $15,000 | $17,000 | $29,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 27 | $1,082,000 | $40,000 | $206,000 | $68,000 | $528,000 |
| Debt-To-Income Ratio | 13 | $579,000 | $44,000 | $121,000 | $42,000 | $83,000 |
| Collateral | 3 | $76,000 | $25,000 | $50,000 | $29,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $8,000 | $8,000 |
| Other | 1 | $3,000 | $3,000 | $3,000 | $26,000 | $26,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First National Bank & Trust Co's 2009 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.
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