The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2014
In 2014, The First National Bank & Trust Co of Chickasha, OK reported 375 mortgage applications totaling $33.1 million, down 3% from 2013. The average application was for $88,381, and applicants reported an average income of $71,952. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Oklahoma City, OK (327), Lawton, OK (4) and Dallas-Plano-Irving, TX (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 | 375 |
| Total Mortgage Loan Application Amount | $33,143,000 |
| Average Mortgage Loan Application Amount | $88,381 |
| Highest Mortgage Loan Application Amount | $532,000 |
| Average Applicant Income | $71,952 |
| Highest Applicant Income | $970,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma City, OK | 327 | $ 28,216,000 | $ 86,287 | $ 71,000 |
| Lawton, OK | 4 | $ 578,000 | $ 144,500 | $ 97,000 |
| Dallas-Plano-Irving, TX | 1 | $ 232,000 | $ 232,000 | $ 150,000 |
| Fort Worth-Arlington, TX | 1 | $ 158,000 | $ 158,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2014
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 | 188 | $21,107,000 | $112,000 | $532,000 | $80,000 | $970,000 |
| Refinancing | 137 | $9,841,000 | $71,000 | $355,000 | $66,000 | $284,000 |
| Home Improvement | 50 | $2,195,000 | $43,000 | $170,000 | $58,000 | $255,000 |
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 | 320 | $27,201,000 | $85,000 | $532,000 | $79,000 | $970,000 |
| Not applicable | 32 | $3,563,000 | $111,000 | $532,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $987,000 | $141,000 | $297,000 | $108,000 | $248,000 |
| Hispanic | 7 | $705,000 | $100,000 | $165,000 | $48,000 | $114,000 |
| Black or African American | 5 | $192,000 | $38,000 | $50,000 | $68,000 | $139,000 |
| Asian | 4 | $495,000 | $123,000 | $280,000 | $44,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 373 | $32,778,000 | $87,000 | $532,000 | $72,000 | $970,000 |
| VA-guaranteed (Veterans Administration) | 2 | $365,000 | $182,000 | $240,000 | $37,000 | $53,000 |
| 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 |
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 | 228 | $19,607,000 | $85,000 | $532,000 | $75,000 | $970,000 |
| Application Denied By Financial Institution | 78 | $7,517,000 | $96,000 | $532,000 | $60,000 | $328,000 |
| Application Withdrawn By Applicant | 53 | $4,061,000 | $76,000 | $265,000 | $67,000 | $225,000 |
| Application Approved But Not Accepted | 16 | $1,958,000 | $122,000 | $338,000 | $101,000 | $248,000 |
| File Closed For Incompleteness | 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 | 40 | $2,826,000 | $70,000 | $350,000 | $58,000 | $264,000 |
| Debt-To-Income Ratio | 22 | $3,259,000 | $148,000 | $532,000 | $70,000 | $328,000 |
| Collateral | 11 | $722,000 | $65,000 | $136,000 | $48,000 | $81,000 |
| Other | 3 | $445,000 | $148,000 | $270,000 | $61,000 | $98,000 |
| Employment History | 1 | $70,000 | $70,000 | $70,000 | $41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First National Bank & Trust Co's 2014 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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