The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2020
In 2020, The First National Bank & Trust Co of Chickasha, OK reported 247 mortgage applications totaling $56.5 million, down 4% from 2019. The average application was for $228,886, and applicants reported an average income of $103,309. 51% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Oklahoma City, OK (197), Tulsa, OK (10) and Lawton, OK (5) (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 | 247 |
| Total Mortgage Loan Application Amount | $56,535,000 |
| Average Mortgage Loan Application Amount | $228,886 |
| Highest Mortgage Loan Application Amount | $1,615,000 |
| Average Applicant Income | $103,309 |
| Highest Applicant Income | $847,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 104 | $ 11,620,000 | $ 111,730 | $ 83,000 |
| Oklahoma, Oklahoma | 48 | $ 18,150,000 | $ 378,125 | $ 192,000 |
| McClain, Oklahoma | 22 | $ 5,540,000 | $ 251,818 | $ 147,000 |
| Cleveland, Oklahoma | 16 | $ 6,410,000 | $ 400,625 | $ 133,000 |
| Caddo, Oklahoma | 13 | $ 505,000 | $ 38,846 | $ 53,000 |
| Stephens, Oklahoma | 8 | $ 610,000 | $ 76,250 | $ 106,000 |
| Comanche, Oklahoma | 5 | $ 355,000 | $ 71,000 | $ 65,000 |
| Rogers, Oklahoma | 5 | $ 3,005,000 | $ 601,000 | $ 0 |
| Tulsa, Oklahoma | 5 | $ 4,285,000 | $ 857,000 | $ 0 |
| Garvin, Oklahoma | 4 | $ 670,000 | $ 167,500 | $ 82,000 |
| Canadian, Oklahoma | 3 | $ 475,000 | $ 158,333 | $ 103,000 |
| Logan, Oklahoma | 3 | $ 585,000 | $ 195,000 | $ 105,000 |
| Delaware, Oklahoma | 2 | $ 1,340,000 | $ 670,000 | $ 0 |
| McCurtain, Oklahoma | 2 | $ 1,170,000 | $ 585,000 | $ 197,000 |
| Archuleta, Colorado | 1 | $ 875,000 | $ 875,000 | $ 246,000 |
| Lincoln, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| McIntosh, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Murray, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Payne, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sequoyah, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Harris, Texas | 1 | $ 365,000 | $ 365,000 | $ 189,000 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2020
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 | 111 | $24,625,000 | $221,000 | $1,095,000 | $112,000 | $665,000 |
| Refinancing | 74 | $20,550,000 | $277,000 | $1,615,000 | $108,000 | $847,000 |
| Cash-out Refinancing | 18 | $2,650,000 | $147,000 | $305,000 | $91,000 | $205,000 |
| Home Improvement | 18 | $880,000 | $48,000 | $165,000 | $63,000 | $166,000 |
| Other Purpose | 15 | $1,475,000 | $98,000 | $255,000 | $79,000 | $209,000 |
| Not Applicable | 11 | $6,355,000 | $577,000 | $1,045,000 | $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 |
|---|---|---|---|---|---|---|
| White | 127 | $18,545,000 | $146,000 | $875,000 | $101,000 | $847,000 |
| Not applicable | 85 | $32,735,000 | $385,000 | $1,615,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $2,470,000 | $176,000 | $1,115,000 | $114,000 | $519,000 |
| Not Provided | 11 | $2,085,000 | $189,000 | $425,000 | $103,000 | $189,000 |
| Hispanic | 5 | $435,000 | $87,000 | $135,000 | $60,000 | $84,000 |
| Black or African American | 3 | $115,000 | $38,000 | $45,000 | $50,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $99,000 | $99,000 |
| 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) | 247 | $56,535,000 | $228,000 | $1,615,000 | $100,000 | $847,000 |
| 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 | 126 | $20,930,000 | $166,000 | $1,115,000 | $118,000 | $847,000 |
| Application Withdrawn By Applicant | 49 | $6,875,000 | $140,000 | $655,000 | $97,000 | $555,000 |
| Loan Purchased By The Institution | 39 | $25,245,000 | $647,000 | $1,615,000 | $0 | $0 |
| Application Denied By Financial Institution | 33 | $3,485,000 | $105,000 | $515,000 | $55,000 | $209,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 214 | $53,050,000 | $247,000 | $1,615,000 | $111,000 | $847,000 |
| Credit History | 17 | $1,125,000 | $66,000 | $195,000 | $49,000 | $111,000 |
| Debt-To-Income Ratio | 10 | $1,680,000 | $168,000 | $515,000 | $63,000 | $209,000 |
| Collateral | 5 | $565,000 | $113,000 | $255,000 | $61,000 | $113,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $69,000 | $69,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2020 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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