Chickasaw Community Bank Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 549300LIZH7VW4DFJK44

Tax ID: 73-0242063

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

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Mortgage Data

Bank Data

Review & Overview

Chickasaw Community Bank is a smaller bank specializing in Home Purchase loans. They have a a high proportion of FHA loans. Chickasaw Community Bank has an average proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Des Moines, Omaha, Portland, and Tulsa among others. We have data for 140 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 6.90% 3/24/24
30 Year Conventional Refi 6.64% 3/24/24
30 Year Cash-out Refi 6.93% 3/24/24
30 Year FHA Purchase 7.27% 3/24/24
30 Year FHA Refi 6.78% 3/24/24
30 Year VA Purchase 6.76% 3/24/24
30 Year VA Refi 6.67% 3/24/24
30 Year USDA Purchase 7.23% 3/24/24
30 Year USDA Refi 6.27% 3/24/24
15 Year Conventional Purchase 6.59% 3/24/24
15 Year Conventional Refi 6.34% 3/24/24
15 Year Cash-out Refi 6.34% 3/24/24
15 Year FHA Purchase 7.52% 3/24/24
15 Year FHA Refi 5.68% 3/24/24
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.

Chickasaw Community Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Chickasaw Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,963

Origination Dollar Volume (All Markets)

$356,785,000

Employee count

91 Show all (11) awards

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) 522 $86,590,000 $165,881 $5,336 4.39%
Outside of Metro Areas 229 $32,725,000 $142,904 $5,200 4.10%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 168 $30,540,000 $181,786 $5,020 3.99%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 125 $25,835,000 $206,680 $5,107 4.12%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 70 $25,100,000 $358,571 $6,320 3.66%
TULSA, OK (FHA|USDA|VA) 96 $16,670,000 $173,646 $5,567 4.31%
ANCHORAGE, AK (FHA|USDA|VA) 48 $11,790,000 $245,625 $7,481 3.75%
Altus, OK (FHA|USDA|VA) 55 $9,555,000 $173,727 $4,234 4.12%
Ada, OK (FHA|USDA|VA) 66 $9,120,000 $138,182 $4,917 4.01%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 23 $8,185,000 $355,870 $3,611 3.93%
SALEM, OR (FHA|USDA|VA) 25 $7,645,000 $305,800 $5,460 3.72%
LAKE CHARLES, LA (FHA|USDA|VA) 40 $7,480,000 $187,000 $7,120 4.29%
Tahlequah, OK (FHA|USDA|VA) 54 $6,890,000 $127,593 $6,303 4.20%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 26 $3,940,000 $151,538 $7,179 4.32%
LINCOLN, NE (FHA|USDA|VA) 18 $3,670,000 $203,889 $5,201 4.07%
Shawnee, OK (FHA|USDA|VA) 21 $3,505,000 $166,905 $5,744 3.96%
Durant, OK (FHA|USDA|VA) 18 $2,920,000 $162,222 $5,370 3.81%
AMES, IA (FHA|USDA|VA) 19 $2,875,000 $151,316 $4,734 4.01%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $2,250,000 $281,250 $7,498 4.03%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,220,000 $277,500 $5,737 3.91%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 13 $2,205,000 $169,615 $5,043 3.95%
Ardmore, OK (FHA|USDA|VA) 16 $2,170,000 $135,625 $5,558 4.18%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $2,055,000 $293,571 $5,554 3.73%
FORT SMITH, AR-OK (FHA|USDA|VA) 18 $1,890,000 $105,000 $3,698 4.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $1,800,000 $300,000 $8,188 3.48%
BELLINGHAM, WA (FHA|USDA|VA) 9 $1,495,000 $166,111 $5,904 4.00%
Miami, OK (FHA|USDA|VA) 16 $1,460,000 $91,250 $3,420 3.70%
LAWTON, OK (FHA|USDA|VA) 12 $1,350,000 $112,500 $4,081 4.19%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 7 $1,315,000 $187,857 $7,463 4.80%
Duncan, OK (FHA|USDA|VA) 10 $1,260,000 $126,000 $5,448 4.08%
Stillwater, OK (FHA|USDA|VA) 7 $1,115,000 $159,286 $6,071 4.18%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $7,538 4.09%
Muskogee, OK (FHA|USDA|VA) 10 $1,080,000 $108,000 $5,495 4.26%
EspaƱola, NM (FHA|USDA|VA) 5 $1,075,000 $215,000 $0 4.13%
RENO, NV (FHA|USDA|VA) 3 $905,000 $301,667 $7,617 3.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $905,000 $181,000 $6,052 3.83%
BEND, OR (FHA|USDA|VA) 3 $885,000 $295,000 $3,727 3.46%
SIOUX FALLS, SD (FHA|USDA|VA) 6 $860,000 $143,333 $5,662 3.77%
Bartlesville, OK (FHA|USDA|VA) 8 $860,000 $107,500 $4,296 4.41%
GREELEY, CO (FHA|USDA|VA) 2 $820,000 $410,000 $5,280 3.50%
Beatrice, NE (FHA|USDA|VA) 8 $800,000 $100,000 $4,681 4.44%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $730,000 $182,500 $6,502 4.44%
MOBILE, AL (FHA|USDA|VA) 2 $730,000 $365,000 $11,471 4.44%
Pella, IA (FHA|USDA|VA) 6 $720,000 $120,000 $3,689 3.94%
Marshalltown, IA (FHA|USDA|VA) 4 $700,000 $175,000 $6,714 4.56%
PROVO-OREM, UT (FHA|USDA|VA) 2 $690,000 $345,000 $8,536 3.50%
Coos Bay, OR (FHA|USDA|VA) 3 $625,000 $208,333 $6,599 3.46%
Weatherford, OK (FHA|USDA|VA) 3 $615,000 $205,000 $6,442 3.42%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $600,000 $300,000 $3,871 4.06%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $580,000 $290,000 $5,006 3.88%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $570,000 $285,000 $7,015 3.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $530,000 $265,000 $7,618 4.00%
Sonora, CA (FHA|USDA|VA) 2 $520,000 $260,000 $4,634 3.88%
Spirit Lake, IA (FHA|USDA|VA) 4 $510,000 $127,500 $3,938 3.84%
Jennings, LA (FHA|USDA|VA) 2 $470,000 $235,000 $8,185 3.88%
YUMA, AZ (FHA|USDA|VA) 2 $460,000 $230,000 $7,420 3.25%
ENID, OK (FHA|USDA|VA) 3 $445,000 $148,333 $3,513 4.46%
Woodward, OK (FHA|USDA|VA) 2 $440,000 $220,000 $15,023 5.38%
Moses Lake, WA (FHA|USDA|VA) 2 $440,000 $220,000 $4,135 4.13%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $430,000 $215,000 $4,190 4.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $410,000 $205,000 $7,469 4.25%
Durango, CO (FHA|USDA|VA) 1 $405,000 $405,000 $9,702 3.25%
BOISE CITY, ID (FHA|USDA|VA) 2 $400,000 $200,000 $8,008 3.63%
Spencer, IA (FHA|USDA|VA) 2 $400,000 $200,000 $4,286 3.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $390,000 $195,000 $6,995 3.75%
Elk City, OK (FHA|USDA|VA) 2 $390,000 $195,000 $7,125 4.31%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $385,000 $385,000 $11,768 3.63%
Kalispell, MT (FHA|USDA|VA) 1 $375,000 $375,000 $11,226 3.50%
FARMINGTON, NM (FHA|USDA|VA) 2 $370,000 $185,000 $6,314 3.94%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $360,000 $180,000 $6,567 3.31%
Kerrville, TX (FHA|USDA|VA) 2 $360,000 $180,000 $5,403 3.94%
CHICO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $13,321 4.38%
VALLEJO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $8,446 3.25%
Malone, NY (FHA|USDA|VA) 2 $340,000 $170,000 $11,700 4.19%
WENATCHEE, WA (FHA|USDA|VA) 1 $335,000 $335,000 $16,460 3.38%
Ponca City, OK (FHA|USDA|VA) 3 $335,000 $111,667 $5,505 4.17%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,962 3.88%
Taos, NM (FHA|USDA|VA) 1 $325,000 $325,000 $10,586 3.75%
MADERA, CA (FHA|USDA|VA) 1 $325,000 $325,000 $9,919 3.50%
Newport, OR (FHA|USDA|VA) 1 $315,000 $315,000 $9,376 4.25%
Mason City, IA (FHA|USDA|VA) 2 $310,000 $155,000 $4,911 4.13%
RICHMOND, VA (FHA|USDA|VA) 1 $305,000 $305,000 $9,063 3.25%
La Grande, OR (FHA|USDA|VA) 1 $305,000 $305,000 $8,253 3.88%
SANTA FE, NM (FHA|USDA|VA) 2 $290,000 $145,000 $5,802 3.31%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $290,000 $145,000 $4,939 4.31%
CaƱon City, CO (FHA|USDA|VA) 2 $290,000 $145,000 $4,437 4.75%
MERCED, CA (FHA|USDA|VA) 1 $285,000 $285,000 $9,363 3.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.25%
Klamath Falls, OR (FHA|USDA|VA) 1 $285,000 $285,000 $3,311 5.00%
PUEBLO, CO (FHA|USDA|VA) 1 $285,000 $285,000 $6,714 3.50%
Susanville, CA (FHA|USDA|VA) 1 $285,000 $285,000 $10,700 3.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $275,000 $275,000 $7,468 4.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $8,951 4.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $255,000 $255,000 $9,524 4.25%
DeRidder, LA (FHA|USDA|VA) 1 $245,000 $245,000 $9,212 4.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,156 4.00%
Sandpoint, ID (FHA|USDA|VA) 1 $235,000 $235,000 $6,481 3.25%
FAIRBANKS, AK (FHA|USDA|VA) 1 $235,000 $235,000 $5,967 4.25%
Outside of Metro Areas 1 $235,000 $235,000 $8,627 5.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $235,000 $235,000 $6,479 3.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $235,000 $235,000 $9,278 3.88%
Salina, KS (FHA|USDA|VA) 1 $235,000 $235,000 $6,492 3.75%
Sault Ste. Marie, MI (FHA|USDA|VA) 2 $230,000 $115,000 $4,701 3.63%
FORT COLLINS, CO (FHA|USDA|VA) 1 $225,000 $225,000 $6,339 5.00%
REDDING, CA (FHA|USDA|VA) 1 $215,000 $215,000 $9,960 4.63%
Roswell, NM (FHA|USDA|VA) 1 $215,000 $215,000 $5,629 3.75%
LAS CRUCES, NM (FHA|USDA|VA) 1 $205,000 $205,000 $6,237 3.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $6,436 3.63%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,361 3.63%
Norfolk, NE (FHA|USDA|VA) 1 $185,000 $185,000 $8,334 5.63%
FORT WAYNE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $5,415 3.75%
Gallup, NM (FHA|USDA|VA) 1 $185,000 $185,000 $6,377 4.38%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,353 4.25%
FLINT, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,678 3.50%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $175,000 $175,000 $6,279 3.25%
Lumberton, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,501 4.13%
GRAND ISLAND, NE (FHA|USDA|VA) 2 $170,000 $85,000 $2,878 3.63%
McAlester, OK (FHA|USDA|VA) 2 $170,000 $85,000 $4,741 3.50%
Fallon, NV (FHA|USDA|VA) 1 $165,000 $165,000 $7,482 4.13%
Parsons, KS (FHA|USDA|VA) 1 $165,000 $165,000 $3,422 3.88%
BANGOR, ME (FHA|USDA|VA) 1 $165,000 $165,000 $5,741 3.25%
Corning, NY (FHA|USDA|VA) 1 $165,000 $165,000 $7,544 4.50%
The Dalles, OR (FHA|USDA|VA) 1 $155,000 $155,000 $2,663 3.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,425 3.25%
Oskaloosa, IA (FHA|USDA|VA) 1 $155,000 $155,000 $5,468 4.13%
Fremont, NE (FHA|USDA|VA) 1 $145,000 $145,000 $5,277 4.38%
WICHITA, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,213 3.38%
Levelland, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,071 3.88%
Cullowhee, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,158 3.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $4,961 3.75%
LYNCHBURG, VA (FHA|USDA|VA) 1 $125,000 $125,000 $4,976 3.38%
Silver City, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,319 3.50%
Lexington, NE (FHA|USDA|VA) 1 $125,000 $125,000 $5,019 3.63%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $105,000 $105,000 $5,523 3.25%
Pittsburg, KS (FHA|USDA|VA) 1 $105,000 $105,000 $4,042 4.00%
Fairfield, IA (FHA|USDA|VA) 1 $95,000 $95,000 $3,824 4.13%
LONGVIEW, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $85,000 $85,000 $5,263 3.50%
Ottumwa, IA (FHA|USDA|VA) 1 $75,000 $75,000 $4,212 4.50%
EL PASO, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,499 3.63%
Chickasaw Community Bank's top markets include Oklahoma City, Des Moines, Omaha, Portland, and Tulsa among others.

Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Alaska (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Chickasaw Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    RED CROWN
    Similarity Rank: 45
    FINANCIAL PLUS Credit Union
    Similarity Rank: 63
    Tulsa Federal Credit Union
    Similarity Rank: 84
    SIOUXLAND FEDERAL CREDIT UNION
    Similarity Rank: 108
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 110
    First Dakota National Bank
    Similarity Rank: 120
    Central Bank of Oklahoma
    Similarity Rank: 140
    Raccoon Valley Bank
    Similarity Rank: 145
    TRUE SKY
    Similarity Rank: 174
    WEOKIE
    Similarity Rank: 243

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,013 $175,145,000 $172,897 $6,341 4.04%
    VA 345 $90,075,000 $261,087 $5,114 3.88%
    Conventional 317 $55,275,000 $174,369 $3,900 4.73%
    USDA 288 $36,290,000 $126,007 $4,250 4.09%

    For 2019, Chickasaw Community Bank's most frequently originated type of loan was FHA, with 1,013 originations. Their 2nd most popular type was VA, with 345 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,549 $264,205,000 $170,565 $5,489 4.16%
    Refi 206 $47,850,000 $232,282 $4,693 3.96%
    Cash Out Refi 190 $42,300,000 $222,632 $6,016 4.07%
    Other 14 $1,670,000 $119,286 $5,940 4.50%
    Home Improvement 4 $760,000 $190,000 $4,727 5.25%

    For 2019, Chickasaw Community Bank's most frequently cited loan purpose was Home Purchase, with 1,549 originations. The 2nd most popular reason was Refi, with 206 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,818 $336,460,000 $185,072 $5,505 4.06%
    15 Year 56 $8,540,000 $152,500 $4,783 3.83%
    5 Year 52 $4,860,000 $93,462 $1,244 5.88%
    1 Year 16 $2,600,000 $162,500 $0 5.97%
    Other 11 $3,265,000 $296,818 $2,994 4.94%
    3 Year 6 $690,000 $115,000 $0 5.88%
    20 Year 2 $230,000 $115,000 $3,267 4.13%
    10 Year 2 $140,000 $70,000 $3,603 4.25%

    For 2019, Chickasaw Community Bank's most frequently cited loan duration was 30 Year, with 1,818 originations. The 2nd most popular length was 15 Year, with 56 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 880 $166,610,000 $189,330
    $1k-2k 604 $105,450,000 $174,586
    $2k-3k 220 $35,180,000 $159,909
    $3k-4k 92 $18,840,000 $204,783
    $4k-5k 22 $6,200,000 $281,818
    $5k+ 19 $6,205,000 $326,579

    Chickasaw Community Bank's average total fees were $5,505, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 880 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 971 $198,205,000 $204,125
    4-5% 761 $128,365,000 $168,679
    5-6% 206 $27,150,000 $131,796
    6-7% 18 $2,230,000 $123,889
    2.5-3% 5 $735,000 $147,000
    7-8% 2 $100,000 $50,000

    During 2019, Chickasaw Community Bank's average interest rate for loans was 4.06%, while their most frequently originated rate bucket for loans was 3-4%, with 971 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 933 $138,475,000 $148,419 $5,167 4.18%
    $200k-400k 611 $164,835,000 $269,779 $6,577 3.92%
    $100,000 or less 363 $27,615,000 $76,074 $3,997 4.42%
    $400k-600k 54 $23,940,000 $443,333 $6,466 3.76%
    $1MM+ 1 $1,275,000 $1,275,000 $0 5.00%
    $600k-1MM 1 $645,000 $645,000 $6,548 4.25%

    2019 saw Chickasaw Community Bank place emphasis on $100k-200k loans with 933 originations, totaling $138,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 538 $90,820,000 $168,810 $5,354 4.11%
    $50k or less 507 $59,215,000 $116,795 $4,587 4.18%
    $75k-100k 343 $72,365,000 $210,977 $6,203 4.07%
    $100k-150k 279 $68,425,000 $245,251 $6,620 4.01%
    $150k-250k 81 $21,755,000 $268,580 $6,315 4.12%
    $250k+ 16 $4,070,000 $254,375 $6,953 4.71%

    Chickasaw Community Bank lent most frequently to those with incomes in the $50k-75k range, with 538 originations. The second most popular income band? $50k or less, with 507 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 396 $69,860,000 $176,414 $5,404 4.11%
    20-30% 351 $58,605,000 $166,966 $5,434 4.04%
    40% 106 $18,980,000 $179,057 $5,409 4.06%
    38% 90 $14,720,000 $163,556 $5,527 4.12%
    39% 86 $14,780,000 $171,860 $5,601 4.33%
    <20% 82 $12,850,000 $156,707 $4,940 4.04%
    36% 81 $14,305,000 $176,605 $5,465 3.99%
    50-60% 79 $17,155,000 $217,152 $6,171 4.06%
    37% 67 $13,075,000 $195,149 $5,958 4.09%
    42% 66 $11,450,000 $173,485 $5,260 4.03%
    41% 60 $10,970,000 $182,833 $5,023 4.03%
    46% 45 $8,905,000 $197,889 $6,451 4.30%
    44% 44 $8,930,000 $202,955 $5,778 4.21%
    48% 42 $8,350,000 $198,810 $6,297 4.28%
    43% 41 $8,425,000 $205,488 $6,072 3.99%
    47% 39 $7,285,000 $186,795 $5,517 4.09%
    45% 39 $8,215,000 $210,641 $6,036 4.16%
    49% 33 $6,995,000 $211,970 $6,245 4.29%
    >60% 2 $260,000 $130,000 $4,382 3.44%

    Chickasaw Community Bank lent most frequently to those with DTI ratios of 30-36%, with 396 originations. The next most common DTI ratio? 20-30%, with 351 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,104 $204,100,000 $184,873 $5,110 4.15%
    American Indian 583 $101,155,000 $173,508 $6,189 3.97%
    Not provided 75 $17,225,000 $229,667 $5,269 3.93%
    Not applicable 111 $16,385,000 $147,613 $0 4.86%
    Black 59 $11,595,000 $196,525 $5,270 4.19%
    Asian 24 $4,470,000 $186,250 $4,896 4.24%
    Native Hawaiian or Islander 6 $1,470,000 $245,000 $6,439 3.98%
    Filipino 1 $385,000 $385,000 $4,337 4.00%

    Approval Rates

    Total approvals of all applications
    81.97%

    Chickasaw Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    88.84%

    Chickasaw Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,963 $356,785,000 $181,755

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $1,770,000 $442,500
    Single Family (1-4 Units):Manufactured 22 $3,270,000 $148,636
    Single Family (1-4 Units):Site-Built 1,937 $351,745,000 $181,593

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 16 $1,620,000 $101,250 $3,308 4.77%
    40-60% 61 $9,085,000 $148,934 $4,395 4.13%
    60-80% 228 $40,660,000 $178,333 $5,024 4.42%
    80-100% 1,596 $290,290,000 $181,886 $5,426 4.09%
    Over 100% 61 $15,105,000 $247,623 $9,013 3.98%
    Under 20% 1 $25,000 $25,000 $0 6.50%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank 2 909 South Meridian Avenue Oklahoma City, OK 73108 Full Service B&M $165,692

    For 2019, Chickasaw Community Bank had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $10,334
    Net interest income $9,102
    Total noninterest income $8,256
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $180
    Trading account gains and fees $0
    Additional Noninterest Income $8,076
    Pre-tax net operating income $3,303
    Securities gains (or losses, -) $41
    Income before extraordinary items $2,446
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,446
    Minority interest net income $0
    Net income $2,446
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,413

    Chickasaw Community Bank's gross interest income from loans was $10,334,000.
    Chickasaw Community Bank's net interest income from loans was $9,102,000.
    Chickasaw Community Bank's fee based income from loans was $180,000.
    Chickasaw Community Bank's net income from loans was $2,446,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,232
    Provision for credit losses $605
    Total noninterest expense $13,450
    Salaries and employee benefits $9,233
    Premises and equipment expense $635
    Additional noninterest expense $3,582
    Applicable income taxes $898
    Net charge-offs $179
    Cash dividends $0

    Chickasaw Community Bank's interest expense for loans was $1,232,000.
    Chickasaw Community Bank's payroll and benefits expense were $9,233,000.
    Chickasaw Community Bank's property, plant and equipment expenses $635,000.

    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 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    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 $173,045
    Deposits held in domestic offices $173,045
    Deposits by Individuals, partnerships, and corporations $125,320
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $45,294
    Deposits by Commercial banks and other depository institutions in U.S. $2,430
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $72,345
    Demand deposits $62,913
    Nontransaction accounts $100,699
    Money market deposit accounts (MMDAs) $62,318
    Other savings deposits (excluding MMDAs) $2,237
    Total time deposits $36,143
    Total time and savings deposits $110,131
    Noninterest-bearing deposits $23,377
    Interest-bearing deposits $149,668
    Retail deposits $126,796
    IRAs and Keogh plan accounts $2,404
    Brokered deposits $40,628
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $198,963
    Cash & Balances due from depository institutions $6,177
    Interest-bearing balances $4,611
    Total securities $18,036
    Federal funds sold & reverse repurchase $0
    Net loans and leases $153,694
    Loan and leases loss allowance $1,854
    Trading account assets $0
    Bank premises and fixed assets $683
    Other real estate owned $904
    Goodwill and other intangibles $10,208
    All other assets $9,261

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $198,963
    Total Liabilities $177,011
    Total deposits $173,045
    Interest-bearing deposits $149,668
    Deposits held in domestic offices $173,045
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $244
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $3,722

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $153,694
    Loan and leases loss allowance $1,854
    Total loans and leases (domestic) $155,548
    All real estate loans $127,765
    Real estate loans in domestic offices $127,765
    Construction and development loans $18,138
    Residential 1-4 family construction $7,690
    Other construction, all land development and other land $10,448
    Loans secured by nonfarm nonresidential properties $43,668
    Nonfarm nonresidential secured by owner-occupied properties $19,544
    Commercial real estate & other non-farm, non-residential $24,124
    Multifamily residential real estate $7,447
    1-4 family residential loans $57,524
    Farmland loans $988
    Loans held in foreign offices $0
    Farm loans $119
    Commercial and industrial loans $22,452
    To non-U.S. addressees $0
    Loans to individuals $4,572
    Credit card loans $0
    Related Plans $153
    Consumer Auto Loans $4,204
    Other loans to individuals $215
    All other loans & leases $640
    Loans to foreign governments and official institutions $0
    Other loans $298
    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 $530
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Chickasaw Community Bank had $153,694,000 of loans outstanding in 2019. $127,765,000 of loans were in real estate loans. $18,138,000 of loans were in development loans. $7,447,000 of loans were in multifamily mortgage loans. $57,524,000 of loans were in 1-4 family mortgage loans. $119,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,204,000 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 70 $15,954 $227,914
    Nonfarm, nonresidential loans - <$100k 10 $372 $37,200
    Nonfarm, nonresidential loans - $100-250k 27 $3,164 $117,185
    Nonfarm, nonresidential loans - $250k-1MM 33 $12,418 $376,303
    Commercial & Industrial, US addressed loans - <$1MM 55 $7,464 $135,709
    Commercial & Industrial, US addressed loans - <$100k 29 $814 $28,069
    Commercial & Industrial, US addressed loans - $100-250k 9 $1,333 $148,111
    Commercial & Industrial, US addressed loans - $250k-1MM 17 $5,317 $312,765
    Farmland loans - <$1MM 6 $988 $164,667
    Farmland loans - <$100k 2 $69 $34,500
    Farmland loans - $100-250k 3 $542 $180,667
    Farmland loans - $250k-1MM 1 $377 $377,000
    Agriculture operations loans - <$1MM 1 $119 $119,000
    Agriculture operations loans - $100-250k 1 $119 $119,000