First National Bank and Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, First National Bank and Trust Company of Shawnee, OK reported 74 mortgage applications totaling $14.2 million, down 11% from 2018. The average application was for $191,351, and applicants reported an average income of $116,445. 64% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Lawton, OK (13), Oklahoma City, OK (11) and Fresno, CA (2) (applications in parentheses).
| Mortgage Company & Address | First National Bank and Trust Company 130 E Macarthur Shawnee, OK 74804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2003 |
| Total Number of Mortgage Applications | 74 |
| Total Mortgage Loan Application Amount | $14,160,000 |
| Average Mortgage Loan Application Amount | $191,351 |
| Highest Mortgage Loan Application Amount | $2,595,000 |
| Average Applicant Income | $116,445 |
| Highest Applicant Income | $1,164,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 42 | $ 3,990,000 | $ 95,000 | $ 59,000 |
| Lawton, OK | 13 | $ 1,285,000 | $ 98,846 | $ 87,000 |
| Oklahoma City, OK | 11 | $ 6,825,000 | $ 620,454 | $ 393,000 |
| Fresno, CA | 2 | $ 440,000 | $ 220,000 | $ 134,000 |
| Chicago-Naperville, IL | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Las Cruces, NM | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 405,000 | $ 405,000 | $ 120,000 |
| Midland, TX | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 435,000 | $ 435,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for First National Bank and Trust Company 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 | 39 | $8,055,000 | $206,000 | $1,365,000 | $98,000 | $707,000 |
| Refinancing | 17 | $4,195,000 | $246,000 | $2,595,000 | $211,000 | $1,164,000 |
| Cash-out Refinancing | 11 | $1,565,000 | $142,000 | $405,000 | $78,000 | $166,000 |
| Home Improvement | 7 | $345,000 | $49,000 | $115,000 | $50,000 | $101,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 39 | $4,555,000 | $116,000 | $415,000 | $90,000 | $707,000 |
| American Indian or Alaskan Native | 21 | $5,955,000 | $283,000 | $2,595,000 | $174,000 | $1,164,000 |
| Not applicable | 8 | $2,970,000 | $371,000 | $1,365,000 | $0 | $0 |
| Not Provided | 3 | $155,000 | $51,000 | $85,000 | $94,000 | $221,000 |
| Hispanic | 2 | $450,000 | $225,000 | $405,000 | $91,000 | $142,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $37,000 | $37,000 |
| 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) | 67 | $13,305,000 | $198,000 | $2,595,000 | $124,000 | $1,164,000 |
| FHA-insured (Federal Housing Administration) | 4 | $540,000 | $135,000 | $215,000 | $51,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $315,000 | $105,000 | $135,000 | $48,000 | $69,000 |
| 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 | 47 | $10,905,000 | $232,000 | $2,595,000 | $150,000 | $1,164,000 |
| Application Denied By Financial Institution | 16 | $1,580,000 | $98,000 | $155,000 | $51,000 | $166,000 |
| Application Withdrawn By Applicant | 10 | $1,480,000 | $148,000 | $405,000 | $92,000 | $221,000 |
| File Closed For Incompleteness | 1 | $195,000 | $195,000 | $195,000 | $138,000 | $138,000 |
| Application Approved But Not Accepted | 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 | 58 | $12,580,000 | $216,000 | $2,595,000 | $137,000 | $1,164,000 |
| Credit History | 7 | $475,000 | $67,000 | $125,000 | $44,000 | $80,000 |
| Collateral | 4 | $550,000 | $137,000 | $155,000 | $47,000 | $63,000 |
| Debt-To-Income Ratio | 2 | $170,000 | $85,000 | $115,000 | $33,000 | $34,000 |
| Employment History | 2 | $260,000 | $130,000 | $135,000 | $43,000 | $69,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $166,000 | $166,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 First National Bank and Trust Company'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 First National Bank and Trust Company'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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