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 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	6.90%	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

2,309

Origination Dollar Volume (All Markets)

$442,925,000

Employee count

132

Awards

Chickasaw Community Bank USDA Loans gold

Chickasaw Community Bank USDA Loans silver

Chickasaw Community Bank FHA Loans silver

Chickasaw Community Bank FHA Loans bronze

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)	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.

Their top states include:

Oklahoma (FHA|USDA|VA)

Iowa (FHA|USDA|VA)

Nebraska (FHA|USDA|VA)

Alaska (FHA|USDA|VA)

California (FHA|USDA|VA)

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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