The First National Bank And Trust Co. Mortgage Rates, Fees & Info

Chickasha, OK

LEI: 549300HCWCQYV87S4729

Tax ID: 73-0181535

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The First National Bank And Trust Co. is a smaller bank specializing in Home Purchase and Refi loans. The First National Bank And Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Tulsa, and Duncan among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The First National Bank And Trust Co. has a below 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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    Originations

    77

    Origination Dollar Volume (All Markets)

    $11,665,000

    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) 66 $10,600,000 $160,606 $0 0.00%
    Outside of Metro Areas 5 $695,000 $139,000 $0 0.00%
    TULSA, OK (FHA|USDA|VA) 2 $230,000 $115,000 $0 0.00%
    Duncan, OK (FHA|USDA|VA) 4 $140,000 $35,000 $0 0.00%
    The First National Bank And Trust Co.'s top markets include Oklahoma City, Tulsa, and Duncan among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 77 $11,665,000 $151,494 $0 0.00%

    For 2023, The First National Bank And Trust Co.'s most frequently originated type of loan was Conventional, with 77 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $5,960,000 $156,842 $0 0.00%
    Refi 20 $4,550,000 $227,500 $0 0.00%
    Home Improvement 12 $690,000 $57,500 $0 0.00%
    Other 5 $255,000 $51,000 $0 0.00%
    Cash Out Refi 2 $210,000 $105,000 $0 0.00%

    For 2023, The First National Bank And Trust Co.'s most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Refi, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 77 $11,665,000 $151,494 $0 0.00%

    For 2023, The First National Bank And Trust Co.'s most frequently cited loan duration was Other, with 77 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 42 $2,270,000 $54,048 $0 0.00%
    $100k-200k 22 $3,100,000 $140,909 $0 0.00%
    $200k-400k 8 $2,140,000 $267,500 $0 0.00%
    $400k-600k 3 $1,355,000 $451,667 $0 0.00%
    $1MM+ 1 $2,005,000 $2,005,000 $0 0.00%
    $600k-1MM 1 $795,000 $795,000 $0 0.00%

    2023 saw The First National Bank And Trust Co. place emphasis on $100,000 or less loans with 42 originations, totaling $2,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $1,700,000 $121,429 $0 0.00%
    $50k-75k 13 $1,195,000 $91,923 $0 0.00%
    $75k-100k 11 $1,505,000 $136,818 $0 0.00%
    $150k-250k 10 $2,020,000 $202,000 $0 0.00%
    $50k or less 7 $285,000 $40,714 $0 0.00%
    $250k+ 3 $615,000 $205,000 $0 0.00%

    The First National Bank And Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $50k-75k, with 13 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 77 $11,665,000 $151,494 $0 0.00%

    The First National Bank And Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 77 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 49 $6,355,000 $129,694 $0 0.00%
    Not applicable 18 $4,330,000 $240,556 $0 0.00%
    American Indian 4 $450,000 $112,500 $0 0.00%
    Not provided 4 $390,000 $97,500 $0 0.00%
    Black 2 $140,000 $70,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    68.07%

    The First National Bank And Trust Co. has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    54.55%

    The First National Bank And Trust Co. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 77 $11,665,000 $151,494

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    77 $11,665,000 $151,494