Chickasaw Community Bank Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 549300LIZH7VW4DFJK44

Tax ID: 73-0242063

4.2 stars - out of 5 stars, based on 48 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Chickasaw Community Bank is a smaller bank specializing in Home Purchase and Refi loans. They have a a high proportion of FHA loans. Chickasaw Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Des Moines, Tulsa, Omaha, and Altus among others. We have data for 143 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Chickasaw Community Bank 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. Chickasaw Community Bank 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.80% 10/3/22
    30 Year Conventional Refi 6.62% 10/3/22
    30 Year Cash-out Refi 6.75% 10/3/22
    30 Year FHA Purchase 7.12% 10/3/22
    30 Year FHA Refi 6.51% 10/3/22
    30 Year VA Purchase 6.51% 10/3/22
    30 Year VA Refi 6.24% 10/3/22
    30 Year USDA Purchase 6.90% 10/3/22
    30 Year USDA Refi 6.72% 10/3/22
    15 Year Conventional Purchase 6.70% 10/3/22
    15 Year Conventional Refi 6.64% 10/3/22
    15 Year Cash-out Refi 6.64% 10/3/22
    15 Year FHA Purchase 7.21% 10/3/22
    15 Year FHA Refi 6.60% 10/3/22
    15 Year VA Purchase 6.61% 10/3/22
    15 Year VA Refi 6.44% 10/3/22
    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.


    Originations

    2,309

    Origination Dollar Volume (All Markets)

    $442,925,000

    Employee count

    132 Show all (11) awards

    Relative Rate

    Chickasaw Community Bank's average 30 year fixed mortgage rate was 3.04%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.11%.

    Relative Fees (Closing Costs)

    Chickasaw Community Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,901.

    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 $4,750.

    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) 532 $102,960,000 $193,534 $6,198 3.44%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 320 $71,790,000 $224,344 $4,692 3.09%
    TULSA, OK (FHA|USDA|VA) 281 $63,905,000 $227,420 $6,326 3.70%
    Outside of Metro Areas 311 $39,755,000 $127,830 $5,213 3.12%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 65 $13,965,000 $214,846 $5,224 3.07%
    Altus, OK (FHA|USDA|VA) 50 $11,820,000 $236,400 $5,419 2.95%
    Tahlequah, OK (FHA|USDA|VA) 81 $7,965,000 $98,333 $6,712 3.09%
    Ada, OK (FHA|USDA|VA) 45 $7,885,000 $175,222 $5,737 2.75%
    ANCHORAGE, AK (FHA|USDA|VA) 29 $7,825,000 $269,828 $7,840 2.69%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 37 $7,245,000 $195,811 $7,017 3.33%
    Ardmore, OK (FHA|USDA|VA) 31 $5,575,000 $179,839 $7,097 2.78%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $4,395,000 $399,545 $9,960 2.59%
    FORT SMITH, AR-OK (FHA|USDA|VA) 47 $4,365,000 $92,872 $5,213 3.11%
    AMES, IA (FHA|USDA|VA) 22 $4,260,000 $193,636 $5,352 3.14%
    Miami, OK (FHA|USDA|VA) 34 $3,450,000 $101,471 $3,705 2.85%
    Shawnee, OK (FHA|USDA|VA) 20 $3,380,000 $169,000 $4,967 3.15%
    LAWTON, OK (FHA|USDA|VA) 25 $3,345,000 $133,800 $5,620 3.01%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $3,250,000 $406,250 $11,288 2.75%
    Muskogee, OK (FHA|USDA|VA) 35 $3,245,000 $92,714 $4,701 3.30%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $3,140,000 $224,286 $4,810 2.90%
    Duncan, OK (FHA|USDA|VA) 26 $3,130,000 $120,385 $4,863 3.20%
    LINCOLN, NE (FHA|USDA|VA) 15 $2,825,000 $188,333 $4,366 3.08%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,765,000 $395,000 $9,508 2.84%
    LAKE CHARLES, LA (FHA|USDA|VA) 14 $2,520,000 $180,000 $7,054 3.14%
    McAlester, OK (FHA|USDA|VA) 3 $2,425,000 $808,333 $7,846 3.83%
    Ponca City, OK (FHA|USDA|VA) 3 $2,275,000 $758,333 $4,826 3.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $2,220,000 $370,000 $6,302 2.75%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $1,990,000 $248,750 $6,580 2.63%
    ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,990,000 $248,750 $6,395 2.86%
    SIOUX FALLS, SD (FHA|USDA|VA) 9 $1,785,000 $198,333 $5,199 3.14%
    RICHMOND, VA (FHA|USDA|VA) 8 $1,590,000 $198,750 $7,323 2.78%
    WORCESTER, MA-CT (FHA|USDA|VA) 5 $1,585,000 $317,000 $7,439 3.58%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $1,545,000 $309,000 $5,057 2.93%
    Bartlesville, OK (FHA|USDA|VA) 13 $1,435,000 $110,385 $5,312 3.65%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,430,000 $357,500 $5,949 2.69%
    Spirit Lake, IA (FHA|USDA|VA) 11 $1,395,000 $126,818 $4,276 3.15%
    Durant, OK (FHA|USDA|VA) 6 $1,350,000 $225,000 $7,490 2.90%
    SALEM, OR (FHA|USDA|VA) 3 $935,000 $311,667 $9,132 2.96%
    Stillwater, OK (FHA|USDA|VA) 5 $905,000 $181,000 $5,845 3.00%
    Beatrice, NE (FHA|USDA|VA) 5 $845,000 $169,000 $3,980 3.20%
    Pella, IA (FHA|USDA|VA) 5 $835,000 $167,000 $5,907 3.10%
    Española, NM (FHA|USDA|VA) 4 $800,000 $200,000 $0 3.25%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $760,000 $380,000 $9,774 2.81%
    Durango, CO (FHA|USDA|VA) 2 $700,000 $350,000 $9,060 2.31%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $670,000 $335,000 $10,321 2.75%
    Marshalltown, IA (FHA|USDA|VA) 5 $655,000 $131,000 $4,914 3.13%
    Gallup, NM (FHA|USDA|VA) 3 $645,000 $215,000 $8,037 3.63%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $640,000 $320,000 $8,089 2.88%
    WICHITA, KS (FHA|USDA|VA) 3 $625,000 $208,333 $6,376 2.50%
    BOULDER, CO (FHA|USDA|VA) 2 $610,000 $305,000 $5,118 2.88%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $600,000 $300,000 $10,307 2.69%
    FARMINGTON, NM (FHA|USDA|VA) 3 $575,000 $191,667 $4,635 2.96%
    SANTA FE, NM (FHA|USDA|VA) 2 $570,000 $285,000 $5,442 3.06%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $570,000 $285,000 $4,134 2.81%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $535,000 $535,000 $5,832 3.38%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $535,000 $535,000 $5,829 3.00%
    Fernley, NV (FHA|USDA|VA) 2 $530,000 $265,000 $8,231 3.00%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $525,000 $175,000 $4,416 2.92%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $515,000 $515,000 $10,490 2.88%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $505,000 $505,000 $7,112 3.38%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $505,000 $505,000 $11,480 2.88%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $24,218 2.88%
    Woodward, OK (FHA|USDA|VA) 4 $470,000 $117,500 $5,817 3.78%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $470,000 $235,000 $6,389 2.88%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $465,000 $465,000 $10,009 2.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $465,000 $465,000 $1,697 2.25%
    YAKIMA, WA (FHA|USDA|VA) 2 $460,000 $230,000 $7,667 2.81%
    LAS CRUCES, NM (FHA|USDA|VA) 3 $455,000 $151,667 $5,464 2.79%
    FAIRBANKS, AK (FHA|USDA|VA) 1 $445,000 $445,000 $13,822 2.50%
    Sonora, CA (FHA|USDA|VA) 2 $430,000 $215,000 $5,168 2.75%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $425,000 $141,667 $6,575 3.38%
    MOBILE, AL (FHA|USDA|VA) 2 $420,000 $210,000 $6,427 2.63%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $415,000 $415,000 $3,613 3.00%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $415,000 $415,000 $8,382 3.38%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $400,000 $200,000 $4,801 2.81%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $375,000 $375,000 $4,647 2.88%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $355,000 $355,000 $10,241 2.88%
    TOPEKA, KS (FHA|USDA|VA) 2 $330,000 $165,000 $5,413 2.81%
    Mason City, IA (FHA|USDA|VA) 2 $330,000 $165,000 $4,071 3.00%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,944 3.50%
    GREEN BAY, WI (FHA|USDA|VA) 1 $325,000 $325,000 $7,293 3.00%
    YUBA CITY, CA (FHA|USDA|VA) 1 $325,000 $325,000 $8,862 3.13%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $325,000 $325,000 $11,308 2.50%
    La Grande, OR (FHA|USDA|VA) 1 $315,000 $315,000 $8,827 2.88%
    Fairfield, IA (FHA|USDA|VA) 1 $315,000 $315,000 $11,246 2.75%
    BANGOR, ME (FHA|USDA|VA) 1 $305,000 $305,000 $8,957 3.00%
    BILLINGS, MT (FHA|USDA|VA) 1 $305,000 $305,000 $4,261 3.38%
    REDDING, CA (FHA|USDA|VA) 1 $295,000 $295,000 $7,655 2.50%
    Yankton, SD (FHA|USDA|VA) 1 $295,000 $295,000 $4,037 2.75%
    Crescent City, CA (FHA|USDA|VA) 1 $285,000 $285,000 $9,962 2.63%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $285,000 $285,000 $8,212 2.25%
    Coos Bay, OR (FHA|USDA|VA) 1 $255,000 $255,000 $8,735 2.88%
    IOWA CITY, IA (FHA|USDA|VA) 1 $245,000 $245,000 $2,948 3.38%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $245,000 $245,000 $6,505 2.88%
    Roseburg, OR (FHA|USDA|VA) 1 $235,000 $235,000 $9,316 2.88%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.25%
    Lexington, NE (FHA|USDA|VA) 2 $230,000 $115,000 $3,627 3.00%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $4,784 3.38%
    VISALIA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $6,370 2.38%
    Cañon City, CO (FHA|USDA|VA) 1 $225,000 $225,000 $11,807 3.00%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $225,000 $225,000 $7,511 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $4,674 3.25%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $215,000 $215,000 $6,709 2.88%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $5,850 2.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $205,000 $205,000 $8,286 2.50%
    Aberdeen, WA (FHA|USDA|VA) 1 $205,000 $205,000 $7,055 2.88%
    FARGO, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $6,391 3.00%
    TUCSON, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $7,009 3.13%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,377 3.00%
    ENID, OK (FHA|USDA|VA) 1 $185,000 $185,000 $6,701 2.50%
    PEORIA, IL (FHA|USDA|VA) 1 $185,000 $185,000 $1,820 2.88%
    Taos, NM (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.25%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,324 2.75%
    Coffeyville, KS (FHA|USDA|VA) 1 $175,000 $175,000 $5,145 2.75%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $175,000 $175,000 $4,291 3.13%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $6,332 2.88%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $175,000 $175,000 $5,000 4.13%
    Parsons, KS (FHA|USDA|VA) 2 $170,000 $85,000 $3,398 2.63%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $5,751 2.88%
    Safford, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $4,639 2.38%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $145,000 $145,000 $3,334 3.25%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $135,000 $135,000 $5,820 2.88%
    OCALA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $5,969 2.88%
    Elk City, OK (FHA|USDA|VA) 1 $125,000 $125,000 $6,287 3.13%
    Bedford, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,838 3.63%
    Lumberton, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,260 2.38%
    Carroll, IA (FHA|USDA|VA) 1 $115,000 $115,000 $5,309 3.13%
    Susanville, CA (FHA|USDA|VA) 1 $115,000 $115,000 $4,581 2.88%
    RACINE, WI (FHA|USDA|VA) 1 $115,000 $115,000 $5,068 2.63%
    Scottsbluff, NE (FHA|USDA|VA) 1 $115,000 $115,000 $2,540 3.25%
    Newport, OR (FHA|USDA|VA) 1 $115,000 $115,000 $4,653 2.88%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $115,000 $115,000 $5,188 3.00%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,651 2.63%
    Weatherford, OK (FHA|USDA|VA) 1 $105,000 $105,000 $6,832 3.13%
    Port Angeles, WA (FHA|USDA|VA) 1 $95,000 $95,000 $6,006 2.63%
    Escanaba, MI (FHA|USDA|VA) 1 $85,000 $85,000 $5,730 3.25%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $5,049 2.88%
    Blackfoot, ID (FHA|USDA|VA) 1 $85,000 $85,000 $3,547 2.50%
    Quincy, IL-MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,216 3.13%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $5,074 3.13%
    WACO, TX (FHA|USDA|VA) 1 $65,000 $65,000 $5,286 2.00%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $45,000 $45,000 $3,626 2.63%
    Ottumwa, IA (FHA|USDA|VA) 1 $45,000 $45,000 $1,933 3.88%

    Chickasaw Community Bank's top markets include Oklahoma City, Des Moines, Tulsa, Omaha, and Altus among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,158 $198,810,000 $171,684 $7,101 2.98%
    Conventional 827 $185,005,000 $223,706 $3,889 3.64%
    USDA 182 $24,050,000 $132,143 $4,288 3.01%
    VA 142 $35,060,000 $246,901 $6,122 3.00%

    For 2021, Chickasaw Community Bank's most frequently originated type of loan was FHA, with 1,158 originations. Their 2nd most popular type was Conventional, with 827 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,424 $279,670,000 $196,397 $5,908 3.31%
    Refi 616 $102,630,000 $166,607 $5,408 3.00%
    Cash Out Refi 256 $59,660,000 $233,047 $5,490 3.24%
    Other 8 $700,000 $87,500 $4,501 2.98%
    Home Improvement 5 $265,000 $53,000 $1,451 5.64%

    For 2021, Chickasaw Community Bank's most frequently cited loan purpose was Home Purchase, with 1,424 originations. The 2nd most popular reason was Refi, with 616 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,894 $352,720,000 $186,230 $5,901 3.04%
    5 Year 240 $59,460,000 $247,750 $3,292 4.71%
    15 Year 93 $13,575,000 $145,968 $4,291 2.77%
    20 Year 39 $7,375,000 $189,103 $3,337 3.12%
    Other 24 $6,950,000 $289,583 $3,515 4.01%
    1 Year 13 $2,125,000 $163,462 $0 4.77%
    10 Year 5 $655,000 $131,000 $3,869 2.68%
    3 Year 1 $65,000 $65,000 $0 4.75%

    For 2021, Chickasaw Community Bank's most frequently cited loan duration was 30 Year, with 1,894 originations. The 2nd most popular length was 5 Year, with 240 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 726 $131,510,000 $181,143
    $<1k 621 $126,105,000 $203,068
    $2k-3k 241 $45,005,000 $186,743
    $3k-4k 123 $27,425,000 $222,967
    $5k+ 52 $15,720,000 $302,308
    $4k-5k 40 $11,440,000 $286,000

    Chickasaw Community Bank's average total fees were $5,901, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 726 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 926 $185,050,000 $199,838
    3-4% 897 $148,435,000 $165,479
    4-5% 255 $65,475,000 $256,765
    <2.5% 187 $38,415,000 $205,428
    5-6% 43 $5,525,000 $128,488
    7-8% 1 $25,000 $25,000

    During 2021, Chickasaw Community Bank's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 926 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 987 $146,765,000 $148,698 $5,108 3.24%
    $200k-400k 694 $186,360,000 $268,530 $7,002 3.07%
    $100,000 or less 526 $39,400,000 $74,905 $4,098 3.37%
    $400k-600k 81 $38,115,000 $470,556 $6,710 3.00%
    $1MM+ 11 $24,655,000 $2,241,364 $0 4.47%
    $600k-1MM 10 $7,630,000 $763,000 $14,067 4.11%

    2021 saw Chickasaw Community Bank place emphasis on $100k-200k loans with 987 originations, totaling $146,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 528 $91,040,000 $172,424 $5,570 3.09%
    $50k or less 454 $56,180,000 $123,744 $4,726 3.06%
    $75k-100k 327 $71,965,000 $220,076 $6,224 3.01%
    $100k-150k 301 $79,015,000 $262,508 $6,988 3.08%
    $150k-250k 107 $33,825,000 $316,121 $5,607 3.01%
    $250k+ 19 $7,315,000 $385,000 $5,133 3.03%

    Chickasaw Community Bank lent most frequently to those with incomes in the $50k-75k range, with 528 originations. The second most popular income band? $50k or less, with 454 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 411 $77,435,000 $188,406 $5,357 2.99%
    30-36% 366 $73,880,000 $201,858 $5,542 3.03%
    <20% 132 $21,500,000 $162,879 $4,735 3.08%
    40% 85 $16,715,000 $196,647 $6,130 3.05%
    37% 81 $18,225,000 $225,000 $6,543 3.02%
    42% 75 $17,715,000 $236,200 $5,891 3.09%
    41% 73 $15,225,000 $208,562 $5,987 3.10%
    39% 72 $14,310,000 $198,750 $5,968 3.03%
    38% 57 $10,065,000 $176,579 $5,234 2.98%
    44% 51 $9,645,000 $189,118 $6,156 3.14%
    36% 50 $8,300,000 $166,000 $5,437 3.01%
    43% 48 $9,730,000 $202,708 $5,435 3.12%
    46% 43 $8,365,000 $194,535 $6,072 3.11%
    45% 42 $8,170,000 $194,524 $6,109 3.26%
    48% 40 $7,700,000 $192,500 $6,211 3.07%
    49% 40 $8,570,000 $214,250 $6,974 3.11%
    47% 31 $6,635,000 $214,032 $6,961 3.07%
    50-60% 30 $6,950,000 $231,667 $7,130 3.08%
    >60% 6 $650,000 $108,333 $3,282 4.95%

    Chickasaw Community Bank lent most frequently to those with DTI ratios of 20-30%, with 411 originations. The next most common DTI ratio? 30-36%, with 366 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,085 $208,135,000 $191,829 $5,061 3.14%
    American Indian 624 $128,030,000 $205,176 $6,800 2.83%
    Not applicable 473 $81,775,000 $172,886 $0 3.94%
    Black 60 $11,640,000 $194,000 $6,864 3.24%
    Not provided 41 $8,105,000 $197,683 $5,593 3.17%
    Asian 25 $4,745,000 $189,800 $5,065 3.21%
    Native Hawaiian or Islander 1 $495,000 $495,000 $24,218 2.88%

    Approval Rates

    Total approvals of all applications
    81.62%

    Chickasaw Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.72%

    Chickasaw Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,309 $442,925,000 $191,825

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,309 $442,925,000 $191,825

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $5,950,000 $175,000 $4,562 3.30%
    40-60% 143 $28,475,000 $199,126 $4,214 3.16%
    60-80% 682 $118,930,000 $174,384 $5,113 3.32%
    80-100% 1,414 $281,100,000 $198,798 $5,980 3.18%
    Over 100% 31 $8,285,000 $267,258 $10,518 3.06%
    Under 20% 5 $185,000 $37,000 $3,248 3.12%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Chickasaw Community Bank 909 South Meridian Avenue Oklahoma City, OK 73108 Full Service B&M $296,787

    For 2021, Chickasaw Community Bank had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,801
    Net interest income $13,588
    Total noninterest income $13,909
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $172
    Trading account gains and fees $0
    Additional Noninterest Income $13,737
    Pre-tax net operating income $6,076
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,408
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,408
    Minority interest net income $0
    Net income $4,408
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,408

    Chickasaw Community Bank's gross interest income from loans was $14,801,000.
    Chickasaw Community Bank's net interest income from loans was $13,588,000.
    Chickasaw Community Bank's fee based income from loans was $172,000.
    Chickasaw Community Bank's net income from loans was $4,408,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,213
    Provision for credit losses $323
    Total noninterest expense $21,098
    Salaries and employee benefits $15,314
    Premises and equipment expense $894
    Additional noninterest expense $4,890
    Applicable income taxes $1,668
    Net charge-offs $-13
    Cash dividends $600

    Chickasaw Community Bank's interest expense for loans was $1,213,000.
    Chickasaw Community Bank's payroll and benefits expense were $15,314,000.
    Chickasaw Community Bank's property, plant and equipment expenses $894,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $308,970
    Deposits held in domestic offices $308,970
    Deposits by Individuals, partnerships, and corporations $240,276
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $64,489
    Deposits by Commercial banks and other depository institutions in U.S. $4,205
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $130,030
    Demand deposits $117,591
    Nontransaction accounts $178,940
    Money market deposit accounts (MMDAs) $87,650
    Other savings deposits (excluding MMDAs) $4,123
    Total time deposits $87,166
    Total time and savings deposits $191,379
    Noninterest-bearing deposits $44,988
    Interest-bearing deposits $263,982
    Retail deposits $225,019
    IRAs and Keogh plan accounts $2,288
    Brokered deposits $75,767
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $349,214
    Cash & Balances due from depository institutions $29,659
    Interest-bearing balances $28,941
    Total securities $34,298
    Federal funds sold & reverse repurchase $6,521
    Net loans and leases $237,630
    Loan and leases loss allowance $2,622
    Trading account assets $0
    Bank premises and fixed assets $7,529
    Other real estate owned $0
    Goodwill and other intangibles $14,910
    All other assets $18,667

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $349,214
    Total Liabilities $313,986
    Total deposits $308,970
    Interest-bearing deposits $263,982
    Deposits held in domestic offices $308,970
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $5,016

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $237,630
    Loan and leases loss allowance $2,622
    Total loans and leases (domestic) $240,252
    All real estate loans $194,425
    Real estate loans in domestic offices $194,425
    Construction and development loans $21,595
    Residential 1-4 family construction $13,882
    Other construction, all land development and other land $7,713
    Loans secured by nonfarm nonresidential properties $55,458
    Nonfarm nonresidential secured by owner-occupied properties $23,578
    Commercial real estate & other non-farm, non-residential $31,880
    Multifamily residential real estate $12,136
    1-4 family residential loans $103,950
    Farmland loans $1,286
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $41,104
    To non-U.S. addressees $0
    Loans to individuals $4,159
    Credit card loans $0
    Related Plans $314
    Consumer Auto Loans $3,498
    Other loans to individuals $347
    All other loans & leases $564
    Loans to foreign governments and official institutions $0
    Other loans $236
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,834
    Non 1-4 family restructured loans & leases $1,748
    Total loans and leases (foreign) $0

    Chickasaw Community Bank had $237,630,000 of loans outstanding in 2021. $194,425,000 of loans were in real estate loans. $21,595,000 of loans were in development loans. $12,136,000 of loans were in multifamily mortgage loans. $103,950,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $3,498,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 78 $20,445 $262,115
    Nonfarm, nonresidential loans - <$100k 11 $517 $47,000
    Nonfarm, nonresidential loans - $100-250k 30 $4,428 $147,600
    Nonfarm, nonresidential loans - $250k-1MM 37 $15,500 $418,919
    Commercial & Industrial, US addressed loans - <$1MM 459 $21,787 $47,466
    Commercial & Industrial, US addressed loans - <$100k 398 $7,244 $18,201
    Commercial & Industrial, US addressed loans - $100-250k 36 $5,048 $140,222
    Commercial & Industrial, US addressed loans - $250k-1MM 25 $9,495 $379,800
    Farmland loans - <$1MM 6 $1,286 $214,333
    Farmland loans - <$100k 1 $29 $29,000
    Farmland loans - $100-250k 3 $518 $172,667
    Farmland loans - $250k-1MM 2 $739 $369,500