First National Bank And Trust Company Mortgage Rates, Fees & Info
SHAWNEE, OKLEI: 549300CKJ4DTUYAZXI11
Tax ID: 73-1210302
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Mortgage Data
Review & Overview
First National Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. First National Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Lawton, Shawnee, Tulsa, and Sioux City among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank And Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. First National Bank And Trust Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.98% | 4/5/25 |
| 30 Year Conventional Refi | 6.71% | 4/5/25 |
| 30 Year Cash-out Refi | 6.83% | 4/5/25 |
| 30 Year FHA Purchase | 7.40% | 4/5/25 |
| 30 Year VA Purchase | 6.51% | 4/5/25 |
| 30 Year VA Refi | 5.32% | 4/5/25 |
| 30 Year USDA Purchase | 7.10% | 4/5/25 |
| 15 Year Conventional Purchase | 6.66% | 4/5/25 |
| 15 Year Conventional Refi | 7.22% | 4/5/25 |
| 15 Year Cash-out Refi | 7.22% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First National Bank And Trust Company Mortgage Calculator
Your Estimates
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This is not an official calculator from First National Bank And Trust Company. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
525Origination Dollar Volume (All Markets)
$156,775,000Awards
First National Bank and Trust Company - 2024
First National Bank and Trust Company is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
First National Bank And Trust Company's average 30 year fixed mortgage rate was
6.63%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.08%.
Relative Fees (Closing Costs)
First National Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,346.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top 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 |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 312 | $117,190,000 | $375,609 | $7,024 | 7.21% |
| LAWTON, OK (FHA|USDA|VA) | 87 | $13,805,000 | $158,678 | $7,947 | 7.29% |
| Shawnee, OK (FHA|USDA|VA) | 39 | $6,205,000 | $159,103 | $6,732 | 7.72% |
| Outside of Metro Areas | 40 | $5,310,000 | $132,750 | $5,823 | 7.49% |
| TULSA, OK (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $5,964 | 7.36% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $0 | 8.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $6,920 | 8.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $17,105 | 7.83% |
| ENID, OK (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $9,773 | 7.21% |
| Duncan, OK (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $7,909 | 7.13% |
| Stillwater, OK (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $4,288 | 7.91% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 8.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 7.95% |
| Altus, OK (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $12,219 | 7.88% |
| Bartlesville, OK (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,342 | 6.44% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,907 | 6.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,003 | 6.63% |
| McAlester, OK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,643 | 7.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,078 | 5.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,351 | 7.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,086 | 6.88% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,937 | 6.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,855 | 6.88% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,411 | 7.13% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,890 | 6.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.95% |
| Ada, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,284 | 6.75% |
| Elk City, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against First National Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, First National Bank And Trust Company's most frequently originated type of loan was Conventional, with 338 originations. Their 2nd most popular type was FHA, with 103 originations.
Loan Reason
For 2024, First National Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 407 originations. The 2nd most popular reason was Refi, with 87 originations.
Loan Duration/Length
For 2024, First National Bank And Trust Company's most frequently cited loan duration was 30 Year, with 337 originations. The 2nd most popular length was Other, with 88 originations.
Origination Fees/Closing Costs
First National Bank And Trust Company's average total fees were $7,346, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 182 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 233 | $63,355,000 | $271,910 |
| Over 8% | 139 | $37,055,000 | $266,583 |
| 7-8% | 107 | $44,875,000 | $419,393 |
| 5-6% | 43 | $10,705,000 | $248,953 |
| 4-5% | 2 | $650,000 | $325,000 |
During 2024, First National Bank And Trust Company's average interest rate for loans was 6.63%, while their most frequently originated rate bucket for loans was 6-7%, with 233 originations.
Loan Sizing
2024 saw First National Bank And Trust Company place emphasis on $200k-400k loans with 219 originations, totaling $61,915,000 in origination value.
Applicant Income
First National Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 102 originations. The second most popular income band? $50k-75k, with 76 originations.
Applicant Debt to Income Ratio
First National Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 61 originations. The next most common DTI ratio? 30-36%, with 59 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.29%
First National Bank And Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination90.48%
First National Bank And Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 525 | $156,775,000 | $298,619 |