First National Bank And Trust Company Of Ardmore Mortgage Rates, Fees & Info
Ardmore, OKLEI: 54930080KJR5G1HZVI89
Tax ID: 73-0130930
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Mortgage Data
Review & Overview
First National Bank And Trust Company Of Ardmore is a smaller bank specializing in Home Purchase loans. First National Bank And Trust Company Of Ardmore has a high proportion of conventional loans. Their top markets by origination volume include: Ardmore, Oklahoma City, Duncan, Houston, and Tulsa among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank And Trust Company Of Ardmore has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
110Origination Dollar Volume (All Markets)
$17,460,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Ardmore, OK (FHA|USDA|VA) | 51 | $6,125,000 | $120,098 | $0 | 0.00% |
| Outside of Metro Areas | 24 | $3,420,000 | $142,500 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 14 | $3,270,000 | $233,571 | $0 | 0.00% |
| Duncan, OK (FHA|USDA|VA) | 12 | $2,450,000 | $204,167 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Ada, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 110 | $17,460,000 | $158,727 | $0 | 0.00% |
For 2023, First National Bank And Trust Company Of Ardmore's most frequently originated type of loan was Conventional, with 110 originations.
Loan Reason
For 2023, First National Bank And Trust Company Of Ardmore's most frequently cited loan purpose was Home Purchase, with 60 originations. The 2nd most popular reason was Refi, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 110 | $17,460,000 | $158,727 | $0 | 0.00% |
For 2023, First National Bank And Trust Company Of Ardmore's most frequently cited loan duration was Other, with 110 originations.
Loan Sizing
2023 saw First National Bank And Trust Company Of Ardmore place emphasis on $100,000 or less loans with 54 originations, totaling $3,030,000 in origination value.
Applicant Income
First National Bank And Trust Company Of Ardmore lent most frequently to those with incomes in the $75k-100k range, with 18 originations. The second most popular income band? $250k+, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 110 | $17,460,000 | $158,727 | $0 | 0.00% |
First National Bank And Trust Company Of Ardmore lent most frequently to those with DTI ratios of Exempt%, with 110 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.67%
First National Bank And Trust Company Of Ardmore has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination85.45%
First National Bank And Trust Company Of Ardmore has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 110 | $17,460,000 | $158,727 |