First National Bank And Trust Company Of Ardmore Mortgage Rates, Fees & Info
Ardmore, OKLEI: 54930080KJR5G1HZVI89
Tax ID: 73-0130930
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
First National Bank And Trust Company Of Ardmore is a smaller bank specializing in Home Purchase and Refi 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, Dallas, and Shawnee among others. We have data for 11 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
147Origination Dollar Volume (All Markets)
$23,295,000Top 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) | 69 | $8,905,000 | $129,058 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 24 | $6,590,000 | $274,583 | $0 | 0.00% |
| Outside of Metro Areas | 32 | $3,690,000 | $115,313 | $0 | 0.00% |
| Duncan, OK (FHA|USDA|VA) | 15 | $2,205,000 | $147,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 147 | $23,295,000 | $158,469 | $0 | 0.00% |
For 2022, First National Bank And Trust Company Of Ardmore's most frequently originated type of loan was Conventional, with 147 originations.
Loan Reason
For 2022, First National Bank And Trust Company Of Ardmore's most frequently cited loan purpose was Home Purchase, with 80 originations. The 2nd most popular reason was Refi, with 38 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 147 | $23,295,000 | $158,469 | $0 | 0.00% |
For 2022, First National Bank And Trust Company Of Ardmore's most frequently cited loan duration was Other, with 147 originations.
Loan Sizing
2022 saw First National Bank And Trust Company Of Ardmore place emphasis on $100,000 or less loans with 69 originations, totaling $3,755,000 in origination value.
Applicant Income
First National Bank And Trust Company Of Ardmore lent most frequently to those with incomes in the $100k-150k range, with 30 originations. The second most popular income band? $50k-75k, with 28 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 147 | $23,295,000 | $158,469 | $0 | 0.00% |
First National Bank And Trust Company Of Ardmore lent most frequently to those with DTI ratios of Exempt%, with 147 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.25%
First National Bank And Trust Company Of Ardmore has an average approval rate.
Pick Rate
Approvals leading to origination88.44%
First National Bank And Trust Company Of Ardmore has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 147 | $23,295,000 | $158,469 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |