The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2023
In 2023, The First National Bank & Trust Co of Chickasha, OK reported 166 mortgage applications totaling $24.3 million, down 22% from 2022. The average application was for $146,626, and applicants reported an average income of $98,602. 46% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Oklahoma City, OK (142) and Tulsa, OK (3).
| 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 | 166 |
| Total Mortgage Loan Application Amount | $24,340,000 |
| Average Mortgage Loan Application Amount | $146,626 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $98,602 |
| Highest Applicant Income | $667,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 103 | $ 12,185,000 | $ 118,300 | $ 91,000 |
| McClain, Oklahoma | 19 | $ 3,235,000 | $ 170,263 | $ 93,000 |
| Oklahoma, Oklahoma | 11 | $ 2,365,000 | $ 215,000 | $ 100,000 |
| Caddo, Oklahoma | 7 | $ 555,000 | $ 79,285 | $ 100,000 |
| Canadian, Oklahoma | 6 | $ 3,090,000 | $ 515,000 | $ 177,000 |
| Garvin, Oklahoma | 5 | $ 625,000 | $ 125,000 | $ 78,000 |
| Stephens, Oklahoma | 5 | $ 165,000 | $ 33,000 | $ 196,000 |
| Cleveland, Oklahoma | 3 | $ 665,000 | $ 221,666 | $ 187,000 |
| Tulsa, Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Carter, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| McCurtain, Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 216,000 |
| McIntosh, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 196,000 |
| Pawnee, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pottawatomie, Oklahoma | 1 | $ 485,000 | $ 485,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2023
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 | 81 | $12,865,000 | $158,000 | $795,000 | $110,000 | $667,000 |
| Refinancing | 41 | $8,625,000 | $210,000 | $2,005,000 | $95,000 | $269,000 |
| Home Improvement | 27 | $1,725,000 | $63,000 | $385,000 | $69,000 | $148,000 |
| Other Purpose | 15 | $915,000 | $61,000 | $175,000 | $104,000 | $196,000 |
| Cash-out Refinancing | 2 | $210,000 | $105,000 | $135,000 | $70,000 | $79,000 |
| 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 | 105 | $13,775,000 | $131,000 | $665,000 | $101,000 | $667,000 |
| Not applicable | 33 | $7,465,000 | $226,000 | $2,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $1,750,000 | $145,000 | $355,000 | $80,000 | $137,000 |
| Not Provided | 7 | $615,000 | $87,000 | $225,000 | $116,000 | $183,000 |
| Black or African American | 5 | $285,000 | $57,000 | $85,000 | $66,000 | $93,000 |
| Hispanic | 3 | $195,000 | $65,000 | $135,000 | $90,000 | $148,000 |
| Asian | 1 | $255,000 | $255,000 | $255,000 | $94,000 | $94,000 |
| 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) | 165 | $24,265,000 | $147,000 | $2,005,000 | $99,000 | $667,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $75,000 | $75,000 | $75,000 | $62,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 77 | $11,665,000 | $151,000 | $2,005,000 | $117,000 | $667,000 |
| Application Denied By Financial Institution | 53 | $7,525,000 | $141,000 | $575,000 | $77,000 | $216,000 |
| Application Withdrawn By Applicant | 32 | $4,950,000 | $154,000 | $665,000 | $95,000 | $288,000 |
| Application Approved But Not Accepted | 3 | $175,000 | $58,000 | $95,000 | $93,000 | $93,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $26,000 | $26,000 |
| 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 | 113 | $16,815,000 | $148,000 | $2,005,000 | $109,000 | $667,000 |
| Debt-To-Income Ratio | 19 | $3,475,000 | $182,000 | $575,000 | $68,000 | $168,000 |
| Credit History | 13 | $1,085,000 | $83,000 | $355,000 | $70,000 | $216,000 |
| Collateral | 8 | $1,400,000 | $175,000 | $375,000 | $90,000 | $171,000 |
| Credit Application Incomplete | 5 | $675,000 | $135,000 | $465,000 | $96,000 | $155,000 |
| Other | 4 | $560,000 | $140,000 | $255,000 | $67,000 | $94,000 |
| Unverifiable Information | 3 | $235,000 | $78,000 | $125,000 | $88,000 | $128,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $120,000 | $120,000 |
| 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 2023 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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