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 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 Anchorage among others. We have data for 149 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%	4/18/24
30 Year Conventional Refi	6.64%	4/18/24
30 Year Cash-out Refi	6.93%	4/18/24
30 Year FHA Purchase	7.27%	4/18/24
30 Year FHA Refi	6.78%	4/18/24
30 Year VA Purchase	6.76%	4/18/24
30 Year VA Refi	6.67%	4/18/24
30 Year USDA Purchase	7.23%	4/18/24
30 Year USDA Refi	6.27%	4/18/24
15 Year Conventional Purchase	6.59%	4/18/24
15 Year Conventional Refi	6.34%	4/18/24
15 Year Cash-out Refi	6.34%	4/18/24
15 Year FHA Purchase	7.52%	4/18/24
15 Year FHA Refi	5.68%	4/18/24
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

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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

2,864

Origination Dollar Volume (All Markets)

$573,100,000

Employee count

110

Awards

Chickasaw Community Bank USDA Loans gold

Chickasaw Community Bank USDA Loans bronze

Show all (6) 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)	650	$121,350,000	$186,692	$5,726	3.35%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	525	$118,585,000	$225,876	$4,120	3.15%
TULSA, OK (FHA\|USDA\|VA)	285	$54,025,000	$189,561	$5,693	3.48%
Outside of Metro Areas	267	$40,635,000	$152,191	$5,040	3.27%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	153	$35,215,000	$230,163	$5,828	3.21%
ANCHORAGE, AK (FHA\|USDA\|VA)	81	$23,975,000	$295,988	$7,949	2.98%
LAKE CHARLES, LA (FHA\|USDA\|VA)	75	$14,245,000	$189,933	$6,552	3.45%
Altus, OK (FHA\|USDA\|VA)	53	$10,425,000	$196,698	$5,576	3.26%
Ada, OK (FHA\|USDA\|VA)	61	$9,645,000	$158,115	$5,735	3.08%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	23	$7,395,000	$321,522	$6,188	3.25%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	18	$6,290,000	$349,444	$4,112	3.14%
LINCOLN, NE (FHA\|USDA\|VA)	32	$6,140,000	$191,875	$4,428	3.13%
AMES, IA (FHA\|USDA\|VA)	31	$5,945,000	$191,774	$4,430	3.28%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	27	$5,165,000	$191,296	$4,844	3.14%
Tahlequah, OK (FHA\|USDA\|VA)	48	$5,090,000	$106,042	$5,912	3.24%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	27	$5,025,000	$186,111	$7,528	3.38%
Ardmore, OK (FHA\|USDA\|VA)	33	$4,965,000	$150,455	$5,250	3.22%
SALEM, OR (FHA\|USDA\|VA)	15	$4,575,000	$305,000	$7,862	3.23%
Stillwater, OK (FHA\|USDA\|VA)	9	$4,235,000	$470,556	$6,349	3.46%
McAlester, OK (FHA\|USDA\|VA)	11	$3,825,000	$347,727	$4,586	3.28%
Shawnee, OK (FHA\|USDA\|VA)	18	$3,340,000	$185,556	$6,410	3.17%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	9	$2,995,000	$332,778	$8,803	2.94%
LAWTON, OK (FHA\|USDA\|VA)	20	$2,930,000	$146,500	$6,458	3.29%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	26	$2,900,000	$111,538	$5,028	3.14%
LAFAYETTE, LA (FHA\|USDA\|VA)	14	$2,840,000	$202,857	$5,905	3.30%
ENID, OK (FHA\|USDA\|VA)	16	$2,770,000	$173,125	$4,070	3.30%
Muskogee, OK (FHA\|USDA\|VA)	18	$2,720,000	$151,111	$4,864	3.28%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	9	$2,475,000	$275,000	$5,171	3.25%
Beatrice, NE (FHA\|USDA\|VA)	21	$2,395,000	$114,048	$4,350	3.28%
Miami, OK (FHA\|USDA\|VA)	23	$2,295,000	$99,783	$3,479	3.28%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	7	$2,255,000	$322,143	$9,235	2.84%
Duncan, OK (FHA\|USDA\|VA)	15	$2,245,000	$149,667	$4,972	3.28%
Durant, OK (FHA\|USDA\|VA)	14	$2,090,000	$149,286	$6,103	3.42%
MOBILE, AL (FHA\|USDA\|VA)	8	$1,920,000	$240,000	$0	2.78%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	6	$1,770,000	$295,000	$6,469	3.25%
Columbus, NE (FHA\|USDA\|VA)	7	$1,635,000	$233,571	$5,768	3.16%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	4	$1,580,000	$395,000	$7,956	3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	4	$1,480,000	$370,000	$10,533	3.03%
Bartlesville, OK (FHA\|USDA\|VA)	6	$1,230,000	$205,000	$5,493	2.98%
RENO, NV (FHA\|USDA\|VA)	4	$1,230,000	$307,500	$8,340	3.00%
DeRidder, LA (FHA\|USDA\|VA)	6	$1,220,000	$203,333	$6,669	3.29%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	5	$1,215,000	$243,000	$5,423	3.15%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	5	$1,155,000	$231,000	$7,659	2.80%
Eureka-Arcata, CA (FHA\|USDA\|VA)	4	$1,010,000	$252,500	$9,374	2.97%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	6	$980,000	$163,333	$6,384	3.58%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	2	$980,000	$490,000	$6,032	3.19%
Moses Lake, WA (FHA\|USDA\|VA)	5	$945,000	$189,000	$5,967	2.85%
FORT COLLINS, CO (FHA\|USDA\|VA)	3	$895,000	$298,333	$4,688	3.42%
Weatherford, OK (FHA\|USDA\|VA)	3	$825,000	$275,000	$5,652	3.38%
BATON ROUGE, LA (FHA\|USDA\|VA)	4	$780,000	$195,000	$6,160	3.34%
GRAND ISLAND, NE (FHA\|USDA\|VA)	4	$740,000	$185,000	$4,728	3.25%
Marshalltown, IA (FHA\|USDA\|VA)	4	$700,000	$175,000	$6,589	3.09%
Española, NM (FHA\|USDA\|VA)	4	$690,000	$172,500	$0	3.56%
Jennings, LA (FHA\|USDA\|VA)	4	$660,000	$165,000	$7,339	3.31%
BELLINGHAM, WA (FHA\|USDA\|VA)	2	$630,000	$315,000	$7,655	3.06%
TUCSON, AZ (FHA\|USDA\|VA)	3	$615,000	$205,000	$7,154	2.75%
Crescent City, CA (FHA\|USDA\|VA)	2	$580,000	$290,000	$8,788	3.00%
WICHITA, KS (FHA\|USDA\|VA)	4	$580,000	$145,000	$5,189	2.81%
RICHMOND, VA (FHA\|USDA\|VA)	2	$570,000	$285,000	$7,690	2.50%
YAKIMA, WA (FHA\|USDA\|VA)	2	$570,000	$285,000	$8,854	3.13%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	2	$560,000	$280,000	$8,108	3.00%
TOPEKA, KS (FHA\|USDA\|VA)	3	$545,000	$181,667	$5,605	2.79%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$520,000	$260,000	$5,114	3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	2	$510,000	$255,000	$7,795	3.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	2	$510,000	$255,000	$6,989	2.81%
Lexington, NE (FHA\|USDA\|VA)	2	$510,000	$255,000	$4,143	3.38%
Mason City, IA (FHA\|USDA\|VA)	2	$510,000	$255,000	$5,674	2.94%
SIOUX FALLS, SD (FHA\|USDA\|VA)	3	$505,000	$168,333	$4,723	3.17%
Pella, IA (FHA\|USDA\|VA)	2	$500,000	$250,000	$2,179	3.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	2	$500,000	$250,000	$7,859	2.94%
LONGVIEW, WA (FHA\|USDA\|VA)	2	$480,000	$240,000	$3,312	3.56%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	1	$475,000	$475,000	$5,236	2.75%
CORVALLIS, OR (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,703	4.75%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$455,000	$455,000	$10,661	3.13%
LAWRENCE, KS (FHA\|USDA\|VA)	2	$440,000	$220,000	$6,517	2.94%
FARMINGTON, NM (FHA\|USDA\|VA)	2	$440,000	$220,000	$7,194	3.13%
ASHEVILLE, NC (FHA\|USDA\|VA)	2	$420,000	$210,000	$6,639	3.31%
GREELEY, CO (FHA\|USDA\|VA)	1	$415,000	$415,000	$9,036	3.25%
Klamath Falls, OR (FHA\|USDA\|VA)	3	$415,000	$138,333	$7,076	3.08%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	2	$410,000	$205,000	$4,932	3.00%
WACO, TX (FHA\|USDA\|VA)	2	$400,000	$200,000	$6,481	3.31%
Ketchikan, AK (FHA\|USDA\|VA)	1	$395,000	$395,000	$19,268	2.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$385,000	$385,000	$4,063	3.00%
Coos Bay, OR (FHA\|USDA\|VA)	1	$385,000	$385,000	$7,458	2.88%
CHICO, CA (FHA\|USDA\|VA)	1	$375,000	$375,000	$9,297	2.75%
Coffeyville, KS (FHA\|USDA\|VA)	2	$330,000	$165,000	$5,169	2.94%
Elk City, OK (FHA\|USDA\|VA)	2	$330,000	$165,000	$7,346	2.94%
Montrose, CO (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,951	2.75%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	2	$320,000	$160,000	$6,052	3.50%
SANTA FE, NM (FHA\|USDA\|VA)	1	$315,000	$315,000	$8,182	3.25%
BOULDER, CO (FHA\|USDA\|VA)	1	$315,000	$315,000	$1,275	3.25%
MADERA, CA (FHA\|USDA\|VA)	1	$305,000	$305,000	$6,546	2.88%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$305,000	$305,000	$8,360	3.38%
Brainerd, MN (FHA\|USDA\|VA)	1	$305,000	$305,000	$1,185	3.13%
Woodward, OK (FHA\|USDA\|VA)	2	$300,000	$150,000	$5,763	3.44%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$295,000	$295,000	$4,311	3.63%
PROVO-OREM, UT (FHA\|USDA\|VA)	1	$285,000	$285,000	$6,920	2.88%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	2	$280,000	$140,000	$4,853	3.25%
Carroll, IA (FHA\|USDA\|VA)	2	$280,000	$140,000	$4,483	3.19%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$265,000	$265,000	$7,978	3.25%
TYLER, TX (FHA\|USDA\|VA)	1	$265,000	$265,000	$7,844	2.88%
MEDFORD, OR (FHA\|USDA\|VA)	1	$265,000	$265,000	$6,977	3.13%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	1	$265,000	$265,000	$7,144	3.38%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$265,000	$265,000	$6,276	2.75%
JONESBORO, AR (FHA\|USDA\|VA)	1	$245,000	$245,000	$9,113	2.75%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,822	3.25%
Muscatine, IA (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,552	3.50%
Macomb, IL (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,351	4.63%
Fernley, NV (FHA\|USDA\|VA)	1	$245,000	$245,000	$10,590	3.00%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	4.50%
JOPLIN, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,199	3.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$9,327	3.13%
Prineville, OR (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,461	2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,968	3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,883	2.75%
OWENSBORO, KY (FHA\|USDA\|VA)	1	$215,000	$215,000	$1,527	2.75%
BILLINGS, MT (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,058	3.25%
FRESNO, CA (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,442	3.38%
Newport, OR (FHA\|USDA\|VA)	1	$205,000	$205,000	$8,785	2.75%
Clinton, IA (FHA\|USDA\|VA)	2	$200,000	$100,000	$2,903	3.44%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,728	3.13%
FAIRBANKS, AK (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,421	3.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,929	2.88%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,878	3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,477	2.88%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,087	3.25%
Cadillac, MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,202	2.75%
Norfolk, NE (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,948	2.88%
WATERLOO-CEDAR FALLS, IA (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,438	3.13%
Riverton, WY (FHA\|USDA\|VA)	1	$175,000	$175,000	$5,172	2.88%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,298	4.50%
Garden City, KS (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,684	2.75%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,816	3.50%
Minden, LA (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,094	3.13%
Cookeville, TN (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,770	2.88%
Gallup, NM (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,839	3.13%
Ponca City, OK (FHA\|USDA\|VA)	2	$140,000	$70,000	$4,064	3.25%
Cullowhee, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,956	2.75%
Opelousas, LA (FHA\|USDA\|VA)	1	$125,000	$125,000	$5,280	3.13%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,352	3.38%
Spirit Lake, IA (FHA\|USDA\|VA)	1	$115,000	$115,000	$118	3.63%
Aberdeen, SD (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,968	3.38%
Spencer, IA (FHA\|USDA\|VA)	1	$105,000	$105,000	$1,419	2.75%
EL PASO, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,782	3.63%
Parsons, KS (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,196	2.88%
Albert Lea, MN (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,028	4.88%
IOWA CITY, IA (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,980	3.13%
Lumberton, NC (FHA\|USDA\|VA)	1	$65,000	$65,000	$4,716	3.00%
JACKSON, MS (FHA\|USDA\|VA)	1	$35,000	$35,000	$3,692	3.13%

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

Their top states include:

Oklahoma (FHA|USDA|VA)

Iowa (FHA|USDA|VA)

Nebraska (FHA|USDA|VA)

Alaska (FHA|USDA|VA)

Louisiana (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
FHA	1,343	$258,355,000	$192,372	$6,835	3.16%
Conventional	868	$188,640,000	$217,327	$3,723	3.39%
VA	346	$84,500,000	$244,220	$4,792	3.21%
USDA	307	$41,605,000	$135,521	$4,486	3.38%

For 2020, Chickasaw Community Bank's most frequently originated type of loan was FHA, with 1,343 originations. Their 2nd most popular type was Conventional, with 868 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,838	$344,940,000	$187,671	$5,890	3.30%
Refi	751	$170,095,000	$226,491	$4,306	3.15%
Cash Out Refi	263	$56,045,000	$213,099	$5,097	3.29%
Other	10	$1,660,000	$166,000	$3,257	3.11%
Home Improvement	2	$360,000	$180,000	$0	5.13%

For 2020, Chickasaw Community Bank's most frequently cited loan purpose was Home Purchase, with 1,838 originations. The 2nd most popular reason was Refi, with 751 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,515	$507,695,000	$201,867	$5,591	3.22%
15 Year	161	$28,385,000	$176,304	$3,848	3.00%
20 Year	68	$13,290,000	$195,441	$3,453	3.15%
5 Year	65	$14,495,000	$223,000	$1,220	5.07%
Other	33	$6,035,000	$182,879	$3,017	3.83%
10 Year	11	$1,385,000	$125,909	$2,485	3.18%
1 Year	8	$1,490,000	$186,250	$0	5.34%
3 Year	3	$325,000	$108,333	$0	5.75%

For 2020, Chickasaw Community Bank's most frequently cited loan duration was 30 Year, with 2,515 originations. The 2nd most popular length was 15 Year, with 161 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,045	$196,215,000	$187,766
$<1k	983	$200,415,000	$203,881
$2k-3k	351	$66,245,000	$188,732
$3k-4k	167	$34,945,000	$209,251
$5k+	71	$22,035,000	$310,352
$4k-5k	64	$16,990,000	$265,469

Chickasaw Community Bank's average total fees were $5,591, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,045 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,735	$338,815,000	$195,282
2.5-3%	958	$203,000,000	$211,900
4-5%	100	$18,160,000	$181,600
5-6%	55	$9,575,000	$174,091
<2.5%	16	$3,550,000	$221,875

During 2020, Chickasaw Community Bank's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 1,735 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,266	$193,790,000	$153,073	$5,035	3.28%
$200k-400k	1,097	$291,505,000	$265,729	$6,130	3.17%
$100,000 or less	387	$29,865,000	$77,171	$4,053	3.47%
$400k-600k	104	$47,320,000	$455,000	$6,195	3.12%
$600k-1MM	7	$4,575,000	$653,571	$10,687	3.29%
$1MM+	3	$6,045,000	$2,015,000	$0	5.08%

2020 saw Chickasaw Community Bank place emphasis on $100k-200k loans with 1,266 originations, totaling $193,790,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	775	$136,105,000	$175,619	$5,467	3.25%
$50k or less	560	$71,150,000	$127,054	$4,772	3.29%
$75k-100k	517	$109,665,000	$212,118	$5,854	3.19%
$100k-150k	500	$124,140,000	$248,280	$6,029	3.19%
$150k-250k	162	$49,730,000	$306,975	$5,406	3.17%
$250k+	44	$15,450,000	$351,136	$3,643	3.26%

Chickasaw Community Bank lent most frequently to those with incomes in the $50k-75k range, with 775 originations. The second most popular income band? $50k or less, with 560 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	569	$110,255,000	$193,770	$5,080	3.17%
30-36%	557	$107,845,000	$193,618	$5,447	3.23%
<20%	168	$32,660,000	$194,405	$4,140	3.14%
40%	155	$31,235,000	$201,516	$6,041	3.22%
39%	125	$23,395,000	$187,160	$5,552	3.22%
38%	114	$23,100,000	$202,632	$6,065	3.24%
36%	97	$17,635,000	$181,804	$5,183	3.34%
43%	95	$18,485,000	$194,579	$5,225	3.29%
37%	95	$19,465,000	$204,895	$5,481	3.13%
42%	90	$19,250,000	$213,889	$5,478	3.19%
41%	85	$17,375,000	$204,412	$5,944	3.20%
49%	62	$13,930,000	$224,677	$6,459	3.22%
44%	61	$12,445,000	$204,016	$5,743	3.33%
50-60%	60	$12,350,000	$205,833	$7,038	3.34%
46%	57	$11,925,000	$209,211	$6,391	3.26%
47%	56	$11,430,000	$204,107	$6,074	3.33%
48%	52	$11,420,000	$219,615	$5,789	3.27%
45%	52	$10,630,000	$204,423	$5,631	3.29%

Chickasaw Community Bank lent most frequently to those with DTI ratios of 20-30%, with 569 originations. The next most common DTI ratio? 30-36%, with 557 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,797	$359,515,000	$200,064	$4,939	3.26%
American Indian	669	$131,745,000	$196,928	$6,479	3.10%
Not applicable	169	$34,195,000	$202,337	$0	3.91%
Not provided	125	$25,845,000	$206,760	$6,151	3.24%
Black	68	$13,020,000	$191,471	$5,638	3.24%
Asian	31	$7,325,000	$236,290	$5,147	3.20%
Native Hawaiian or Islander	5	$1,455,000	$291,000	$5,462	3.65%

Approval Rates

Total approvals of all applications
80.88%

Chickasaw Community Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
85.09%

Chickasaw Community Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,864	$573,100,000	$200,105

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	6	$6,810,000	$1,135,000
Single Family (1-4 Units):Manufactured	23	$3,705,000	$161,087
Single Family (1-4 Units):Site-Built	2,835	$562,585,000	$198,443

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	30	$3,490,000	$116,333	$3,264	3.31%
40-60%	156	$27,550,000	$176,603	$3,500	3.23%
60-80%	578	$126,210,000	$218,356	$4,283	3.27%
80-100%	2,018	$396,130,000	$196,298	$5,712	3.26%
Over 100%	79	$19,515,000	$247,025	$8,742	3.28%
Under 20%	3	$205,000	$68,333	$2,082	5.16%

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	$212,142

For 2020, Chickasaw Community Bank had 1 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$12,242
Net interest income	$10,870
Total noninterest income	$22,063
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$170
Trading account gains and fees	$0
Additional Noninterest Income	$21,893
Pre-tax net operating income	$13,338
Securities gains (or losses, -)	$44
Income before extraordinary items	$10,142
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$10,142
Minority interest net income	$0
Net income	$10,142
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$10,107

Chickasaw Community Bank's gross interest income from loans was $12,242,000.
Chickasaw Community Bank's net interest income from loans was $10,870,000.
Chickasaw Community Bank's fee based income from loans was $170,000.
Chickasaw Community Bank's net income from loans was $10,142,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,372
Provision for credit losses	$531
Total noninterest expense	$19,064
Salaries and employee benefits	$12,442
Premises and equipment expense	$705
Additional noninterest expense	$5,917
Applicable income taxes	$3,240
Net charge-offs	$98
Cash dividends	$500

Chickasaw Community Bank's interest expense for loans was $1,372,000.
Chickasaw Community Bank's payroll and benefits expense were $12,442,000.
Chickasaw Community Bank's property, plant and equipment expenses $705,000.

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	$241,132
Deposits held in domestic offices	$241,132
Deposits by Individuals, partnerships, and corporations	$178,587
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$59,978
Deposits by Commercial banks and other depository institutions in U.S.	$2,566
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$104,131
Demand deposits	$89,365
Nontransaction accounts	$137,000
Money market deposit accounts (MMDAs)	$71,326
Other savings deposits (excluding MMDAs)	$3,067
Total time deposits	$62,608
Total time and savings deposits	$151,766
Noninterest-bearing deposits	$42,367
Interest-bearing deposits	$198,765
Retail deposits	$180,201
IRAs and Keogh plan accounts	$1,816
Brokered deposits	$54,917
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$293,241
Cash & Balances due from depository institutions	$18,258
Interest-bearing balances	$16,537
Total securities	$32,429
Federal funds sold & reverse repurchase	$35,662
Net loans and leases	$176,702
Loan and leases loss allowance	$2,286
Trading account assets	$0
Bank premises and fixed assets	$4,012
Other real estate owned	$1,208
Goodwill and other intangibles	$11,658
All other assets	$13,312

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$293,241
Total Liabilities	$261,196
Total deposits	$241,132
Interest-bearing deposits	$198,765
Deposits held in domestic offices	$241,132
% insured (estimated)	$71
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$14,716
Subordinated debt	$0
All other liabilities	$5,348

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$176,702
Loan and leases loss allowance	$2,286
Total loans and leases (domestic)	$178,988
All real estate loans	$140,956
Real estate loans in domestic offices	$140,956
Construction and development loans	$12,993
Residential 1-4 family construction	$3,815
Other construction, all land development and other land	$9,178
Loans secured by nonfarm nonresidential properties	$46,803
Nonfarm nonresidential secured by owner-occupied properties	$16,166
Commercial real estate & other non-farm, non-residential	$30,637
Multifamily residential real estate	$8,526
1-4 family residential loans	$71,303
Farmland loans	$1,331
Loans held in foreign offices	$0
Farm loans	$114
Commercial and industrial loans	$33,187
To non-U.S. addressees	$0
Loans to individuals	$4,076
Credit card loans	$0
Related Plans	$149
Consumer Auto Loans	$3,751
Other loans to individuals	$176
All other loans & leases	$654
Loans to foreign governments and official institutions	$0
Other loans	$217
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	$2,852
Non 1-4 family restructured loans & leases	$2,681
Total loans and leases (foreign)	$0

Chickasaw Community Bank had $176,702,000 of loans outstanding in 2020. $140,956,000 of loans were in real estate loans. $12,993,000 of loans were in development loans. $8,526,000 of loans were in multifamily mortgage loans. $71,303,000 of loans were in 1-4 family mortgage loans. $114,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,751,000 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	82	$19,981	$243,671
Nonfarm, nonresidential loans - <$100k	11	$599	$54,455
Nonfarm, nonresidential loans - $100-250k	33	$4,539	$137,545
Nonfarm, nonresidential loans - $250k-1MM	38	$14,843	$390,605
Commercial & Industrial, US addressed loans - <$1MM	266	$20,351	$76,508
Commercial & Industrial, US addressed loans - <$100k	206	$4,906	$23,816
Commercial & Industrial, US addressed loans - $100-250k	36	$5,100	$141,667
Commercial & Industrial, US addressed loans - $250k-1MM	24	$10,345	$431,042
Farmland loans - <$1MM	8	$1,331	$166,375
Farmland loans - <$100k	2	$62	$31,000
Farmland loans - $100-250k	5	$897	$179,400
Farmland loans - $250k-1MM	1	$372	$372,000
Agriculture operations loans - <$1MM	1	$114	$114,000
Agriculture operations loans - $100-250k	1	$114	$114,000