The City National Bank And Trust Company Of Lawton Mortgage Rates, Fees & Info

Lawton, OK

LEI: 549300RYQVJMZ3X21K04

Tax ID: 73-0185627

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The City National Bank And Trust Company Of Lawton is a smaller bank specializing in Home Purchase and Refi loans. The City National Bank And Trust Company Of Lawton has a high proportion of conventional loans. Their top markets by origination volume include: Lawton, Oklahoma City, and Tulsa among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The City National Bank And Trust Company Of Lawton has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The City National Bank And Trust Company Of Lawton 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.

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    Originations

    44

    Origination Dollar Volume (All Markets)

    $7,520,000

    Employee count

    410

    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
    LAWTON, OK (FHA|USDA|VA) 31 $5,545,000 $178,871 $5,615 5.81%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $1,895,000 $172,273 $4,777 5.16%
    Outside of Metro Areas 1 $45,000 $45,000 $0 5.25%
    TULSA, OK (FHA|USDA|VA) 1 $35,000 $35,000 $3,081 3.93%
    The City National Bank And Trust Company Of Lawton's top markets include Lawton, Oklahoma City, and Tulsa among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 42 $7,350,000 $175,000 $5,323 5.62%
    HELOC 2 $170,000 $85,000 n/a 5.00%

    For 2018, The City National Bank And Trust Company Of Lawton's most frequently originated type of loan was Conventional, with 42 originations. Their 2nd most popular type was HELOC, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 31 $5,375,000 $173,387 $5,311 5.86%
    Refi 10 $1,900,000 $190,000 $5,558 4.84%
    Home Improvement 2 $140,000 $70,000 $0 5.75%
    Other 1 $105,000 $105,000 $3,601 4.58%

    For 2018, The City National Bank And Trust Company Of Lawton's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Refi, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14 $4,180,000 $298,571 $5,602 5.09%
    15 Year 13 $1,535,000 $118,077 $4,712 4.89%
    1 Year 11 $1,035,000 $94,091 $0 7.30%
    Other 4 $310,000 $77,500 $3,970 5.49%
    30+ year 2 $460,000 $230,000 $5,874 4.50%

    For 2018, The City National Bank And Trust Company Of Lawton's most frequently cited loan duration was 30 Year, with 14 originations. The 2nd most popular length was 15 Year, with 13 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $3k-4k 8 $2,420,000 $302,500
    $1k-2k 6 $1,040,000 $173,333
    $<1k 4 $510,000 $127,500
    $2k-3k 2 $610,000 $305,000
    $4k-5k 1 $435,000 $435,000
    $5k+ 1 $465,000 $465,000

    The City National Bank And Trust Company Of Lawton's average total fees were $5,602, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 8 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 24 $4,280,000 $178,333
    5-6% 13 $2,705,000 $208,077
    6-7% 5 $425,000 $85,000
    3-4% 1 $35,000 $35,000
    Over 8% 1 $75,000 $75,000

    During 2018, The City National Bank And Trust Company Of Lawton's average interest rate for loans was 5.09%, while their most frequently originated rate bucket for loans was 4-5%, with 24 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 18 $1,170,000 $65,000 $3,960 6.31%
    $100k-200k 11 $1,415,000 $128,636 $3,828 5.24%
    $200k-400k 11 $3,165,000 $287,727 $5,839 4.95%
    $400k-600k 4 $1,770,000 $442,500 $7,295 5.07%

    2018 saw The City National Bank And Trust Company Of Lawton place emphasis on $100,000 or less loans with 18 originations, totaling $1,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 8 $1,980,000 $247,500 $6,396 4.94%
    $100k-150k 7 $1,805,000 $257,857 $5,477 4.86%
    $50k-75k 7 $715,000 $102,143 $4,241 5.11%
    $250k+ 5 $1,245,000 $249,000 $6,391 5.31%
    $50k or less 4 $500,000 $125,000 $3,498 9.73%
    $75k-100k 4 $370,000 $92,500 $3,321 5.55%

    The City National Bank And Trust Company Of Lawton lent most frequently to those with incomes in the $150k-250k range, with 8 originations. The second most popular income band? $100k-150k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 7 $1,325,000 $189,286 $5,104 4.74%
    <20% 5 $1,015,000 $203,000 $5,983 8.54%
    30-36% 5 $1,385,000 $277,000 $5,331 5.06%
    >60% 3 $715,000 $238,333 $5,857 4.78%
    39% 2 $270,000 $135,000 $2,786 4.92%
    38% 1 $465,000 $465,000 $7,016 5.48%
    50-60% 1 $435,000 $435,000 $7,130 4.92%
    36% 1 $265,000 $265,000 $3,916 5.01%

    The City National Bank And Trust Company Of Lawton lent most frequently to those with DTI ratios of 20-30%, with 7 originations. The next most common DTI ratio? <20%, with 5 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 33 $6,165,000 $186,818 $5,156 5.72%
    Not applicable 9 $905,000 $100,556 $0 5.44%
    Black 2 $450,000 $225,000 $7,072 4.16%

    Approval Rates

    Total approvals of all applications
    58.16%

    The City National Bank And Trust Company Of Lawton has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    70.45%

    The City National Bank And Trust Company Of Lawton has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 44 $7,520,000 $170,909

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 2 $290,000 $145,000
    Single Family (1-4 Units):Site-Built 42 $7,230,000 $172,143

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2 $110,000 $55,000 $3,081 14.47%
    40-60% 5 $765,000 $153,000 $4,962 5.14%
    60-80% 9 $765,000 $85,000 $2,689 5.29%
    80-100% 22 $4,680,000 $212,727 $5,962 5.14%
    Over 100% 3 $795,000 $265,000 $4,976 4.87%
    Under 20% 3 $405,000 $135,000 $4,166 5.34%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The City National Bank and Trust Company of Lawton, Oklahoma 100 E I-240 Svc Rd Oklahoma City, OK 73149 Full Service Retail $2,952
    The City National Bank and Trust Company of Lawton, Oklahoma 1002 Northwest Sheridan Road Lawton, OK 73505 Full Service Retail $6,440
    The City National Bank and Trust Company of Lawton, Oklahoma 10938 South Memorial Drive Tulsa, OK 74133 Full Service Retail $924
    The City National Bank and Trust Company of Lawton, Oklahoma 1101 East Prospect Ponca City, OK 74601 Full Service Retail $3,427
    The City National Bank and Trust Company of Lawton, Oklahoma 11411 E Kellogg Drive Wichita, KS 67207 Full Service Retail $378
    The City National Bank and Trust Company of Lawton, Oklahoma 12200 South Waco Avenue Sapulpa, OK 74066 Full Service Retail $1,625
    The City National Bank and Trust Company of Lawton, Oklahoma 1225 W I-35 Frontage Rd Edmond, OK 73013 Full Service Retail $1,582
    The City National Bank and Trust Company of Lawton, Oklahoma 13801 N May Ave Oklahoma City, OK 73134 Full Service B&M $543
    The City National Bank and Trust Company of Lawton, Oklahoma 1500 S.W. 59th Street Oklahoma City, OK 73119 Full Service Retail $1,923
    The City National Bank and Trust Company of Lawton, Oklahoma 1608 South Division Guthrie, OK 73044 Full Service Retail $1,719
    The City National Bank and Trust Company of Lawton, Oklahoma 1836 Nw 82nd Street Lawton, OK 73505 Full Service B&M $6,332
    The City National Bank and Trust Company of Lawton, Oklahoma 1845 N Hw 81 Duncan, OK 73533 Full Service Retail $2,372
    The City National Bank and Trust Company of Lawton, Oklahoma 196 E Shawnee Mall Dr Shawnee, OK 74804 Full Service Retail $1,315
    The City National Bank and Trust Company of Lawton, Oklahoma 2000 W Memorial Rd Oklahoma City, OK 73134 Full Service Retail $2,480
    The City National Bank and Trust Company of Lawton, Oklahoma 2001 South 1st Street Chickasha, OK 73018 Full Service Retail $2,320
    The City National Bank and Trust Company of Lawton, Oklahoma 207 South Memorial Drive Tulsa, OK 74112 Full Service Retail $60
    The City National Bank and Trust Company of Lawton, Oklahoma 2301 West Kenosha Street Broken Arrow, OK 74012 Full Service B&M $795
    The City National Bank and Trust Company of Lawton, Oklahoma 2400 S. Country Club Road El Reno, OK 73036 Full Service Retail $3,487
    The City National Bank and Trust Company of Lawton, Oklahoma 2415 N Main Street Miami, OK 74354 Full Service Retail $2,185
    The City National Bank and Trust Company of Lawton, Oklahoma 3030 N Rock Road Wichita, KS 67226 Full Service Retail $636
    The City National Bank and Trust Company of Lawton, Oklahoma 3116 S Garnett Rd Tulsa, OK 74146 Full Service Retail $2,385
    The City National Bank and Trust Company of Lawton, Oklahoma 333 N Interstate Drive Norman, OK 73069 Full Service B&M $59
    The City National Bank and Trust Company of Lawton, Oklahoma 3651 S. Classen Blvd. Norman, OK 73071 Full Service B&M $256
    The City National Bank and Trust Company of Lawton, Oklahoma 4000 Green Country Rd Bartlesville, OK 74006 Full Service Retail $924
    The City National Bank and Trust Company of Lawton, Oklahoma 4113 West Gore Boulevard Lawton, OK 73505 Full Service B&M $7,393
    The City National Bank and Trust Company of Lawton, Oklahoma 4420 South Western Avenue Oklahoma City, OK 73109 Full Service Retail $1,496
    The City National Bank and Trust Company of Lawton, Oklahoma 4510 South East Lee Boulevard Lawton, OK 73501 Full Service Retail $3,042
    The City National Bank and Trust Company of Lawton, Oklahoma 500-600 D Avenue Lawton, OK 73502 Full Service B&M $225,313
    The City National Bank and Trust Company of Lawton, Oklahoma 501 East Pawnee Street Wichita, KS 67211 Full Service B&M $516
    The City National Bank and Trust Company of Lawton, Oklahoma 5401 Tinker Diagonal Street Del City, OK 73115 Full Service Retail $1,741
    The City National Bank and Trust Company of Lawton, Oklahoma 5505 W Owen K Garriott Rd Enid, OK 73703 Full Service Retail $3,153
    The City National Bank and Trust Company of Lawton, Oklahoma 5801 East 41st Street Tulsa, OK 74135 Full Service B&M $2,794
    The City National Bank and Trust Company of Lawton, Oklahoma 6301 Nw Quannah Parker Trailway Lawton, OK 73505 Full Service Retail $3,416
    The City National Bank and Trust Company of Lawton, Oklahoma 6310 S. Elm Place Broken Arrow, OK 74011 Full Service Retail $1,607
    The City National Bank and Trust Company of Lawton, Oklahoma 6625 S Memorial Drive Tulsa, OK 74133 Full Service Retail $1,494
    The City National Bank and Trust Company of Lawton, Oklahoma 7050 South Yale Avenue Tulsa, OK 74136 Full Service B&M $970
    The City National Bank and Trust Company of Lawton, Oklahoma 7319 South Western Avenue Oklahoma City, OK 73139 Full Service B&M $954
    The City National Bank and Trust Company of Lawton, Oklahoma 9011 Ne 23rd St Oklahoma City, OK 73140 Full Service Retail $1,131
    The City National Bank and Trust Company of Lawton, Oklahoma 9320 North Pennsylvania Avenue Oklahoma City, OK 73120 Full Service Retail $1,281
    The City National Bank and Trust Company of Lawton, Oklahoma 9411 S. Delaware Avenue Tulsa, OK 74137 Full Service Retail $1,318
    The City National Bank and Trust Company of Lawton, Oklahoma 951 E State Hwy 152 Mustang, OK 73064 Full Service Retail $1,522

    For 2018, The City National Bank And Trust Company Of Lawton had 41 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,607
    Net interest income $12,043
    Total noninterest income $32,991
    Gross Fiduciary activities income $544
    Service charges on deposit accounts $20,813
    Trading account gains and fees $0
    Additional Noninterest Income $11,634
    Pre-tax net operating income $7,509
    Securities gains (or losses, -) $-8
    Income before extraordinary items $7,501
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,501
    Minority interest net income $0
    Net income $7,501
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,509

    The City National Bank And Trust Company Of Lawton's gross interest income from loans was $12,607,000.
    The City National Bank And Trust Company Of Lawton's net interest income from loans was $12,043,000.
    The City National Bank And Trust Company Of Lawton's fee based income from loans was $20,813,000.
    The City National Bank And Trust Company Of Lawton's net income from loans was $7,501,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $564
    Provision for credit losses $2,709
    Total noninterest expense $34,816
    Salaries and employee benefits $18,338
    Premises and equipment expense $3,018
    Additional noninterest expense $13,460
    Applicable income taxes $0
    Net charge-offs $1,896
    Cash dividends $5,625

    The City National Bank And Trust Company Of Lawton's interest expense for loans was $564,000.
    The City National Bank And Trust Company Of Lawton's payroll and benefits expense were $18,338,000.
    The City National Bank And Trust Company Of Lawton's property, plant and equipment expenses $3,018,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 9.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $285,222
    Deposits held in domestic offices $285,222
    Deposits by Individuals, partnerships, and corporations $284,396
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $312
    Deposits by Commercial banks and other depository institutions in U.S. $508
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $158,242
    Demand deposits $69,952
    Nontransaction accounts $126,980
    Money market deposit accounts (MMDAs) $44,409
    Other savings deposits (excluding MMDAs) $57,026
    Total time deposits $25,544
    Total time and savings deposits $215,270
    Noninterest-bearing deposits $69,952
    Interest-bearing deposits $215,270
    Retail deposits $280,078
    IRAs and Keogh plan accounts $5,116
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $341,114
    Cash & Balances due from depository institutions $35,698
    Interest-bearing balances $17,876
    Total securities $79,997
    Federal funds sold & reverse repurchase $0
    Net loans and leases $194,732
    Loan and leases loss allowance $4,100
    Trading account assets $0
    Bank premises and fixed assets $10,201
    Other real estate owned $1,757
    Goodwill and other intangibles $0
    All other assets $18,729

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $341,114
    Total Liabilities $297,272
    Total deposits $285,222
    Interest-bearing deposits $215,270
    Deposits held in domestic offices $285,222
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $530
    Subordinated debt $0
    All other liabilities $11,520

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $194,732
    Loan and leases loss allowance $4,100
    Total loans and leases (domestic) $198,832
    All real estate loans $162,927
    Real estate loans in domestic offices $162,927
    Construction and development loans $9,599
    Residential 1-4 family construction $3,098
    Other construction, all land development and other land $6,501
    Loans secured by nonfarm nonresidential properties $69,995
    Nonfarm nonresidential secured by owner-occupied properties $24,578
    Commercial real estate & other non-farm, non-residential $45,417
    Multifamily residential real estate $808
    1-4 family residential loans $81,340
    Farmland loans $1,185
    Loans held in foreign offices $0
    Farm loans $1,687
    Commercial and industrial loans $15,590
    To non-U.S. addressees $0
    Loans to individuals $9,960
    Credit card loans $0
    Related Plans $45
    Consumer Auto Loans $4,298
    Other loans to individuals $5,617
    All other loans & leases $8,668
    Loans to foreign governments and official institutions $0
    Other loans $3,940
    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 $5,323
    Non 1-4 family restructured loans & leases $5,323
    Total loans and leases (foreign) $0

    The City National Bank and Trust Company of Lawton had $194,732,000 of loans outstanding in 2018. $162,927,000 of loans were in real estate loans. $9,599,000 of loans were in development loans. $808,000 of loans were in multifamily mortgage loans. $81,340,000 of loans were in 1-4 family mortgage loans. $1,687,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,298,000 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 81 $15,910 $196,420
    Nonfarm, nonresidential loans - <$100k 22 $795 $36,136
    Nonfarm, nonresidential loans - $100-250k 31 $3,804 $122,710
    Nonfarm, nonresidential loans - $250k-1MM 28 $11,311 $403,964
    Commercial & Industrial, US addressed loans - <$1MM 199 $7,901 $39,704
    Commercial & Industrial, US addressed loans - <$100k 170 $3,319 $19,524
    Commercial & Industrial, US addressed loans - $100-250k 20 $1,654 $82,700
    Commercial & Industrial, US addressed loans - $250k-1MM 9 $2,928 $325,333
    Farmland loans - <$1MM 8 $628 $78,500
    Farmland loans - <$100k 4 $170 $42,500
    Farmland loans - $100-250k 4 $458 $114,500
    Agriculture operations loans - <$1MM 22 $994 $45,182
    Agriculture operations loans - <$100k 18 $335 $18,611
    Agriculture operations loans - $100-250k 3 $421 $140,333
    Agriculture operations loans - $250k-1MM 1 $238 $238,000