Chickasaw Community Bank Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 549300LIZH7VW4DFJK44

Tax ID: 73-0242063

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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%	11/21/24
30 Year Conventional Refi	6.64%	11/21/24
30 Year Cash-out Refi	6.93%	11/21/24
30 Year FHA Purchase	7.27%	11/21/24
30 Year FHA Refi	6.78%	11/21/24
30 Year VA Purchase	6.76%	11/21/24
30 Year VA Refi	6.67%	11/21/24
30 Year USDA Purchase	7.23%	11/21/24
30 Year USDA Refi	6.27%	11/21/24
15 Year Conventional Purchase	6.59%	11/21/24
15 Year Conventional Refi	6.34%	11/21/24
15 Year Cash-out Refi	6.34%	11/21/24
15 Year FHA Purchase	7.52%	11/21/24
15 Year FHA Refi	5.68%	11/21/24
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

Purchase Price:

Loan Amount:

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% Deposit:

Interest Rate:

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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

Awards

Chickasaw Community Bank USDA Loans gold

Chickasaw Community Bank 30 Year Conventional Loans silver

Chickasaw Community Bank USDA Loans silver

Chickasaw Community Bank FHA Loans bronze

Chickasaw Community Bank VA Loans silver

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%
Española, 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%
Cañon 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
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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