The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2019
In 2019, The First National Bank & Trust Co of Chickasha, OK reported 257 mortgage applications totaling $28.9 million, up 5% from 2018. The average application was for $112,548, and applicants reported an average income of $87,953. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Oklahoma City, OK (224), Lawton, OK (7) and Crestview-Fort Walton Beach-Destin, FL (3) (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 | 257 |
| Total Mortgage Loan Application Amount | $28,925,000 |
| Average Mortgage Loan Application Amount | $112,548 |
| Highest Mortgage Loan Application Amount | $2,085,000 |
| Average Applicant Income | $87,953 |
| Highest Applicant Income | $506,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 224 | $ 24,140,000 | $ 107,767 | $ 90,000 |
| Outside any metro area | 22 | $ 1,070,000 | $ 48,636 | $ 61,000 |
| Lawton, OK | 7 | $ 805,000 | $ 115,000 | $ 142,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 2,875,000 | $ 958,333 | $ 0 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2019
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 | 115 | $14,835,000 | $129,000 | $755,000 | $88,000 | $260,000 |
| Refinancing | 74 | $8,260,000 | $111,000 | $2,085,000 | $84,000 | $334,000 |
| Home Improvement | 28 | $1,310,000 | $46,000 | $175,000 | $77,000 | $253,000 |
| Other Purpose | 24 | $2,110,000 | $87,000 | $505,000 | $108,000 | $506,000 |
| Cash-out Refinancing | 16 | $2,410,000 | $150,000 | $345,000 | $95,000 | $235,000 |
| 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 | 156 | $15,470,000 | $99,000 | $755,000 | $85,000 | $506,000 |
| Not applicable | 68 | $9,730,000 | $143,000 | $2,085,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $655,000 | $43,000 | $115,000 | $99,000 | $444,000 |
| Not Provided | 11 | $2,365,000 | $215,000 | $435,000 | $122,000 | $260,000 |
| Hispanic | 5 | $465,000 | $93,000 | $165,000 | $103,000 | $160,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $98,000 | $98,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $45,000 | $45,000 |
| 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) | 257 | $28,925,000 | $112,000 | $2,085,000 | $88,000 | $506,000 |
| 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 | 171 | $21,615,000 | $126,000 | $2,085,000 | $105,000 | $506,000 |
| Application Denied By Financial Institution | 45 | $4,295,000 | $95,000 | $755,000 | $65,000 | $232,000 |
| Application Withdrawn By Applicant | 39 | $2,695,000 | $69,000 | $505,000 | $69,000 | $180,000 |
| Application Approved But Not Accepted | 2 | $320,000 | $160,000 | $165,000 | $59,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 212 | $24,630,000 | $116,000 | $2,085,000 | $96,000 | $506,000 |
| Credit History | 28 | $2,870,000 | $102,000 | $755,000 | $73,000 | $232,000 |
| Debt-To-Income Ratio | 10 | $980,000 | $98,000 | $255,000 | $39,000 | $91,000 |
| Collateral | 7 | $445,000 | $63,000 | $145,000 | $72,000 | $150,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2019 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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