The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2021
In 2021, The First National Bank & Trust Co of Chickasha, OK reported 190 mortgage applications totaling $40.6 million, down 23% from 2020. The average application was for $213,684, and applicants reported an average income of $106,268. 66% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Oklahoma City, OK (163), Lawton, OK (3) and Pensacola-Ferry Pass-Brent, FL (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 | 190 |
| Total Mortgage Loan Application Amount | $40,600,000 |
| Average Mortgage Loan Application Amount | $213,684 |
| Highest Mortgage Loan Application Amount | $6,555,000 |
| Average Applicant Income | $106,268 |
| Highest Applicant Income | $827,000 |
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The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 163 | $ 33,405,000 | $ 204,938 | $ 109,000 |
| Outside any metro area | 23 | $ 3,645,000 | $ 158,478 | $ 93,000 |
| Lawton, OK | 3 | $ 3,225,000 | $ 1,075,000 | $ 52,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 325,000 | $ 325,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2021
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 | 96 | $14,310,000 | $149,000 | $1,095,000 | $104,000 | $631,000 |
| Refinancing | 51 | $21,515,000 | $421,000 | $6,555,000 | $104,000 | $470,000 |
| Home Improvement | 24 | $1,280,000 | $53,000 | $205,000 | $94,000 | $230,000 |
| Other Purpose | 12 | $2,130,000 | $177,000 | $1,065,000 | $164,000 | $827,000 |
| Cash-out Refinancing | 7 | $1,365,000 | $195,000 | $345,000 | $97,000 | $184,000 |
| 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 | 106 | $13,070,000 | $123,000 | $1,065,000 | $109,000 | $827,000 |
| Not applicable | 56 | $23,590,000 | $421,000 | $6,555,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $1,530,000 | $127,000 | $465,000 | $97,000 | $282,000 |
| Not Provided | 9 | $2,045,000 | $227,000 | $655,000 | $142,000 | $230,000 |
| Hispanic | 4 | $270,000 | $67,000 | $145,000 | $57,000 | $102,000 |
| Black or African American | 3 | $95,000 | $31,000 | $65,000 | $53,000 | $74,000 |
| 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) | 190 | $40,600,000 | $213,000 | $6,555,000 | $107,000 | $827,000 |
| 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 | 125 | $20,245,000 | $161,000 | $1,095,000 | $129,000 | $827,000 |
| Application Denied By Financial Institution | 40 | $10,250,000 | $256,000 | $2,465,000 | $55,000 | $140,000 |
| Application Withdrawn By Applicant | 23 | $9,965,000 | $433,000 | $6,555,000 | $105,000 | $230,000 |
| Application Approved But Not Accepted | 2 | $140,000 | $70,000 | $105,000 | $0 | $0 |
| 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 | 150 | $30,350,000 | $202,000 | $6,555,000 | $124,000 | $827,000 |
| Credit History | 17 | $2,885,000 | $169,000 | $2,295,000 | $52,000 | $102,000 |
| Debt-To-Income Ratio | 8 | $3,960,000 | $495,000 | $2,465,000 | $47,000 | $109,000 |
| Collateral | 6 | $2,810,000 | $468,000 | $2,295,000 | $80,000 | $140,000 |
| Credit Application Incomplete | 5 | $165,000 | $33,000 | $65,000 | $48,000 | $89,000 |
| Unverifiable Information | 2 | $100,000 | $50,000 | $75,000 | $31,000 | $31,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $108,000 | $108,000 |
| Mortgage Insurance Denied | 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 2021 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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