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 Cash Out Refi loans. First National Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Lawton, Shawnee, Hobbs, and Ada among others. We have data for 9 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 5/25/25 |
| 30 Year Conventional Purchase | 6.98% | 5/25/25 |
| 30 Year Conventional Refi | 6.71% | 5/25/25 |
| 30 Year Cash-out Refi | 6.83% | 5/25/25 |
| 30 Year FHA Purchase | 7.40% | 5/25/25 |
| 30 Year VA Purchase | 6.51% | 5/25/25 |
| 30 Year VA Refi | 5.32% | 5/25/25 |
| 30 Year USDA Purchase | 7.10% | 5/25/25 |
| 15 Year Conventional Purchase | 6.66% | 5/25/25 |
| 15 Year Conventional Refi | 7.22% | 5/25/25 |
| 15 Year Cash-out Refi | 7.22% | 5/25/25 |
| 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
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This is not an official calculator from First National Bank And Trust Company. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
65Origination Dollar Volume (All Markets)
$7,415,000Top Markets
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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) | 8 | $2,260,000 | $282,500 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 13 | $1,465,000 | $112,692 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 17 | $1,335,000 | $78,529 | $0 | 0.00% |
| Outside of Metro Areas | 19 | $1,075,000 | $56,579 | $0 | 0.00% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| Ada, OK (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 0.00% |
| Astoria, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Duncan, OK (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 0.00% |
| Altus, OK (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 0.00% |
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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 65 | $7,415,000 | $114,077 | $0 | 0.00% |
For 2018, First National Bank And Trust Company's most frequently originated type of loan was Conventional, with 65 originations.
Loan Reason
For 2018, First National Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 35 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 65 | $7,415,000 | $114,077 | $0 | 0.00% |
For 2018, First National Bank And Trust Company's most frequently cited loan duration was Other, with 65 originations.
Loan Sizing
2018 saw First National Bank And Trust Company place emphasis on $100,000 or less loans with 40 originations, totaling $1,970,000 in origination value.
Applicant Income
First National Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 13 originations. The second most popular income band? $100k-150k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 65 | $7,415,000 | $114,077 | $0 | 0.00% |
First National Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 65 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.77%
First National Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination81.54%
First National Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 65 | $7,415,000 | $114,077 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $275,000 | $55,000 |
| Single Family (1-4 Units):Site-Built | 60 | $7,140,000 | $119,000 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |