The First National Bank And Trust Co. Mortgage Rates, Fees & Info
Chickasha, OKLEI: 549300HCWCQYV87S4729
Tax ID: 73-0181535
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
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, Crestview, Ardmore, Duncan, and Lawton among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)The First National Bank And Trust Co. 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
137Origination Dollar Volume (All Markets)
$20,885,000Top 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) | 118 | $16,570,000 | $140,424 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $2,410,000 | $1,205,000 | $0 | 0.00% |
| Outside of Metro Areas | 11 | $905,000 | $82,273 | $0 | 0.00% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| Duncan, OK (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 137 | $20,885,000 | $152,445 | $0 | 0.00% |
For 2022, The First National Bank And Trust Co.'s most frequently originated type of loan was Conventional, with 137 originations.
Loan Reason
For 2022, The First National Bank And Trust Co.'s most frequently cited loan purpose was Home Purchase, with 70 originations. The 2nd most popular reason was Refi, with 41 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 137 | $20,885,000 | $152,445 | $0 | 0.00% |
For 2022, The First National Bank And Trust Co.'s most frequently cited loan duration was Other, with 137 originations.
Loan Sizing
2022 saw The First National Bank And Trust Co. place emphasis on $100,000 or less loans with 72 originations, totaling $3,830,000 in origination value.
Applicant Income
The First National Bank And Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 24 originations. The second most popular income band? $100k-150k, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 137 | $20,885,000 | $152,445 | $0 | 0.00% |
The First National Bank And Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 137 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.16%
The First National Bank And Trust Co. has a below average approval rate.
Pick Rate
Approvals leading to origination73.72%
The First National Bank And Trust Co. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 137 | $20,885,000 | $152,445 |