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. Their top markets by origination volume include: Oklahoma City, Shawnee, Lawton, Washington, and Los Angeles 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 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
47Origination Dollar Volume (All Markets)
$10,905,000Top 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 |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $6,515,000 | $723,889 | $0 | 0.00% |
| Outside of Metro Areas | 17 | $1,545,000 | $90,882 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 9 | $735,000 | $81,667 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 7 | $605,000 | $86,429 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| McAlester, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $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 | 47 | $10,905,000 | $232,021 | $0 | 0.00% |
For 2019, First National Bank And Trust Company's most frequently originated type of loan was Conventional, with 47 originations.
Loan Reason
For 2019, First National Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 47 | $10,905,000 | $232,021 | $0 | 0.00% |
For 2019, First National Bank And Trust Company's most frequently cited loan duration was Other, with 47 originations.
Loan Sizing
2019 saw First National Bank And Trust Company place emphasis on $100,000 or less loans with 26 originations, totaling $1,060,000 in origination value.
Applicant Income
First National Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 15 originations. The second most popular income band? $100k-150k, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 47 | $10,905,000 | $232,021 | $0 | 0.00% |
First National Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 47 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.38%
First National Bank And Trust Company has a below average approval rate.
Pick Rate
Approvals leading to origination78.72%
First National Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 47 | $10,905,000 | $232,021 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 2 | $790,000 | $395,000 |
| Single Family (1-4 Units):Site-Built | 45 | $10,115,000 | $224,778 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Closing on a mortgage | 2 | 33.3% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 3 | 50.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 16.7% |