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: Oklahoma City, Lawton, Tulsa, Ponca City, and Duncan among others. We have data for 7 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 an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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    Originations

    51

    Origination Dollar Volume (All Markets)

    $12,215,000

    Employee count

    396

    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) 15 $6,365,000 $424,333 $0 0.00%
    LAWTON, OK (FHA|USDA|VA) 23 $3,975,000 $172,826 $0 0.00%
    Outside of Metro Areas 7 $1,085,000 $155,000 $0 0.00%
    TULSA, OK (FHA|USDA|VA) 2 $470,000 $235,000 $0 0.00%
    Ponca City, OK (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Duncan, OK (FHA|USDA|VA) 2 $130,000 $65,000 $0 0.00%
    ENID, OK (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
    The City National Bank And Trust Company Of Lawton's top markets include Oklahoma City, Lawton, Tulsa, Ponca City, and Duncan among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 51 $12,215,000 $239,510 $0 0.00%

    For 2020, The City National Bank And Trust Company Of Lawton's most frequently originated type of loan was Conventional, with 51 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 32 $6,060,000 $189,375 $0 0.00%
    Refi 14 $5,430,000 $387,857 $0 0.00%
    Home Improvement 3 $285,000 $95,000 $0 0.00%
    Cash Out Refi 2 $440,000 $220,000 $0 0.00%

    For 2020, The City National Bank And Trust Company Of Lawton's most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Refi, with 14 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 51 $12,215,000 $239,510 $0 0.00%

    For 2020, The City National Bank And Trust Company Of Lawton's most frequently cited loan duration was Other, with 51 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 18 $4,940,000 $274,444 $0 0.00%
    $100,000 or less 16 $930,000 $58,125 $0 0.00%
    $100k-200k 12 $1,690,000 $140,833 $0 0.00%
    $400k-600k 4 $1,910,000 $477,500 $0 0.00%
    $1MM+ 1 $2,745,000 $2,745,000 $0 0.00%

    2020 saw The City National Bank And Trust Company Of Lawton place emphasis on $200k-400k loans with 18 originations, totaling $4,940,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 13 $2,325,000 $178,846 $0 0.00%
    $150k-250k 9 $2,415,000 $268,333 $0 0.00%
    $250k+ 7 $2,135,000 $305,000 $0 0.00%
    $50k or less 6 $350,000 $58,333 $0 0.00%
    $50k-75k 4 $350,000 $87,500 $0 0.00%
    $75k-100k 4 $280,000 $70,000 $0 0.00%

    The City National Bank And Trust Company Of Lawton lent most frequently to those with incomes in the $100k-150k range, with 13 originations. The second most popular income band? $150k-250k, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 51 $12,215,000 $239,510 $0 0.00%

    The City National Bank And Trust Company Of Lawton lent most frequently to those with DTI ratios of Exempt%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 38 $7,070,000 $186,053 $0 0.00%
    Not applicable 7 $4,115,000 $587,857 $0 0.00%
    Black 2 $430,000 $215,000 $0 0.00%
    Asian 1 $325,000 $325,000 $0 0.00%
    American Indian 2 $250,000 $125,000 $0 0.00%
    Vietnamese 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    79.76%

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

    Pick Rate

    Approvals leading to origination
    72.55%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 51 $12,215,000 $239,510

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $2,745,000 $2,745,000
    Single Family (1-4 Units):Manufactured 1 $105,000 $105,000
    Single Family (1-4 Units):Site-Built 49 $9,365,000 $191,122

    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 $4,157
    The City National Bank and Trust Company of Lawton, Oklahoma 1002 Northwest Sheridan Road Lawton, OK 73505 Full Service Retail $8,244
    The City National Bank and Trust Company of Lawton, Oklahoma 1002 W Taft Ave Sapulpa, OK 74066 Full Service Retail $142
    The City National Bank and Trust Company of Lawton, Oklahoma 10712 E 81st Street Tulsa, OK 74133 Full Service B&M $0
    The City National Bank and Trust Company of Lawton, Oklahoma 10938 South Memorial Drive Tulsa, OK 74133 Full Service Retail $1,598
    The City National Bank and Trust Company of Lawton, Oklahoma 1101 East Prospect Ponca City, OK 74601 Full Service Retail $3,684
    The City National Bank and Trust Company of Lawton, Oklahoma 11411 E Kellogg Drive Wichita, KS 67207 Full Service Retail $836
    The City National Bank and Trust Company of Lawton, Oklahoma 12200 South Waco Avenue Sapulpa, OK 74066 Full Service Retail $2,632
    The City National Bank and Trust Company of Lawton, Oklahoma 1225 W I-35 Frontage Rd Edmond, OK 73013 Full Service Retail $1,884
    The City National Bank and Trust Company of Lawton, Oklahoma 13801 N May Ave Oklahoma City, OK 73134 Full Service B&M $928
    The City National Bank and Trust Company of Lawton, Oklahoma 1500 S.W. 59th Street Oklahoma City, OK 73119 Full Service Retail $1,795
    The City National Bank and Trust Company of Lawton, Oklahoma 1608 South Division Guthrie, OK 73044 Full Service Retail $1,875
    The City National Bank and Trust Company of Lawton, Oklahoma 1836 Nw 82nd Street Lawton, OK 73505 Full Service B&M $10,610
    The City National Bank and Trust Company of Lawton, Oklahoma 1845 N Hw 81 Duncan, OK 73533 Full Service Retail $3,015
    The City National Bank and Trust Company of Lawton, Oklahoma 196 E Shawnee Mall Dr Shawnee, OK 74804 Full Service Retail $1,979
    The City National Bank and Trust Company of Lawton, Oklahoma 2000 W Memorial Rd Oklahoma City, OK 73134 Full Service Retail $3,031
    The City National Bank and Trust Company of Lawton, Oklahoma 2001 South 1st Street Chickasha, OK 73018 Full Service Retail $2,552
    The City National Bank and Trust Company of Lawton, Oklahoma 207 South Memorial Drive Tulsa, OK 74112 Full Service Retail $862
    The City National Bank and Trust Company of Lawton, Oklahoma 2301 W Kenosha St Broken Arrow, OK 74012 Full Service Retail $1,791
    The City National Bank and Trust Company of Lawton, Oklahoma 2400 S. Country Club Road El Reno, OK 73036 Full Service Retail $4,632
    The City National Bank and Trust Company of Lawton, Oklahoma 2415 N Main Street Miami, OK 74354 Full Service Retail $2,695
    The City National Bank and Trust Company of Lawton, Oklahoma 3030 N Rock Road Wichita, KS 67226 Full Service Retail $1,212
    The City National Bank and Trust Company of Lawton, Oklahoma 3116 S Garnett Rd Tulsa, OK 74146 Full Service Retail $3,499
    The City National Bank and Trust Company of Lawton, Oklahoma 333 N Interstate Dr Norman, OK 73069 Full Service Retail $764
    The City National Bank and Trust Company of Lawton, Oklahoma 3651 Classen Blvd Norman, OK 73071 Full Service Retail $642
    The City National Bank and Trust Company of Lawton, Oklahoma 4000 Green Country Rd Bartlesville, OK 74006 Full Service Retail $1,391
    The City National Bank and Trust Company of Lawton, Oklahoma 4113 West Gore Boulevard Lawton, OK 73505 Full Service B&M $8,354
    The City National Bank and Trust Company of Lawton, Oklahoma 4420 South Western Avenue Oklahoma City, OK 73109 Full Service Retail $1,986
    The City National Bank and Trust Company of Lawton, Oklahoma 4510 South East Lee Boulevard Lawton, OK 73501 Full Service Retail $4,122
    The City National Bank and Trust Company of Lawton, Oklahoma 500-600 D Avenue Lawton, OK 73502 Full Service B&M $221,053
    The City National Bank and Trust Company of Lawton, Oklahoma 501 E Pawnee St Wichita, KS 67211 Full Service Retail $1,281
    The City National Bank and Trust Company of Lawton, Oklahoma 5401 Tinker Diagonal Street Del City, OK 73115 Full Service Retail $3,308
    The City National Bank and Trust Company of Lawton, Oklahoma 5505 W Owen K Garriott Rd Enid, OK 73703 Full Service Retail $3,677
    The City National Bank and Trust Company of Lawton, Oklahoma 5801 East 41st Street Tulsa, OK 74135 Full Service B&M $5,207
    The City National Bank and Trust Company of Lawton, Oklahoma 6301 Nw Quannah Parker Trailway Lawton, OK 73505 Full Service Retail $4,931
    The City National Bank and Trust Company of Lawton, Oklahoma 6310 S. Elm Place Broken Arrow, OK 74011 Full Service Retail $2,023
    The City National Bank and Trust Company of Lawton, Oklahoma 6625 S Memorial Drive Tulsa, OK 74133 Full Service Retail $4,039
    The City National Bank and Trust Company of Lawton, Oklahoma 7319 South Western Avenue Oklahoma City, OK 73139 Full Service B&M $5,033
    The City National Bank and Trust Company of Lawton, Oklahoma 9011 Ne 23rd St Oklahoma City, OK 73140 Full Service Retail $1,960
    The City National Bank and Trust Company of Lawton, Oklahoma 9320 North Pennsylvania Avenue Oklahoma City, OK 73120 Full Service Retail $2,036
    The City National Bank and Trust Company of Lawton, Oklahoma 9411 S. Delaware Avenue Tulsa, OK 74137 Full Service Retail $1,602
    The City National Bank and Trust Company of Lawton, Oklahoma 951 E State Hwy 152 Mustang, OK 73064 Full Service Retail $2,217

    For 2020, The City National Bank And Trust Company Of Lawton had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,162
    Net interest income $13,453
    Total noninterest income $30,240
    Gross Fiduciary activities income $529
    Service charges on deposit accounts $18,049
    Trading account gains and fees $0
    Additional Noninterest Income $11,662
    Pre-tax net operating income $4,904
    Securities gains (or losses, -) $15
    Income before extraordinary items $4,919
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,919
    Minority interest net income $0
    Net income $4,919
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,904

    The City National Bank And Trust Company Of Lawton's gross interest income from loans was $14,162,000.
    The City National Bank And Trust Company Of Lawton's net interest income from loans was $13,453,000.
    The City National Bank And Trust Company Of Lawton's fee based income from loans was $18,049,000.
    The City National Bank And Trust Company Of Lawton's net income from loans was $4,919,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $709
    Provision for credit losses $1,500
    Total noninterest expense $37,289
    Salaries and employee benefits $19,508
    Premises and equipment expense $3,654
    Additional noninterest expense $14,127
    Applicable income taxes $0
    Net charge-offs $1,020
    Cash dividends $5,150

    The City National Bank And Trust Company Of Lawton's interest expense for loans was $709,000.
    The City National Bank And Trust Company Of Lawton's payroll and benefits expense were $19,508,000.
    The City National Bank And Trust Company Of Lawton's property, plant and equipment expenses $3,654,000.

    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 1.0%
    HELOC loans 3.0%
    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 $347,605
    Deposits held in domestic offices $347,605
    Deposits by Individuals, partnerships, and corporations $346,543
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $392
    Deposits by Commercial banks and other depository institutions in U.S. $666
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $193,763
    Demand deposits $100,511
    Nontransaction accounts $153,842
    Money market deposit accounts (MMDAs) $57,088
    Other savings deposits (excluding MMDAs) $73,576
    Total time deposits $23,177
    Total time and savings deposits $247,094
    Noninterest-bearing deposits $100,511
    Interest-bearing deposits $247,094
    Retail deposits $341,774
    IRAs and Keogh plan accounts $5,338
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $413,966
    Cash & Balances due from depository institutions $65,529
    Interest-bearing balances $42,894
    Total securities $79,382
    Federal funds sold & reverse repurchase $0
    Net loans and leases $234,965
    Loan and leases loss allowance $4,602
    Trading account assets $0
    Bank premises and fixed assets $12,370
    Other real estate owned $998
    Goodwill and other intangibles $0
    All other assets $20,722

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $413,966
    Total Liabilities $362,280
    Total deposits $347,605
    Interest-bearing deposits $247,094
    Deposits held in domestic offices $347,605
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $3,524
    Subordinated debt $0
    All other liabilities $11,151

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $234,965
    Loan and leases loss allowance $4,602
    Total loans and leases (domestic) $239,567
    All real estate loans $202,629
    Real estate loans in domestic offices $202,629
    Construction and development loans $13,486
    Residential 1-4 family construction $4,476
    Other construction, all land development and other land $9,010
    Loans secured by nonfarm nonresidential properties $99,058
    Nonfarm nonresidential secured by owner-occupied properties $29,253
    Commercial real estate & other non-farm, non-residential $69,805
    Multifamily residential real estate $13,002
    1-4 family residential loans $76,363
    Farmland loans $720
    Loans held in foreign offices $0
    Farm loans $903
    Commercial and industrial loans $16,958
    To non-U.S. addressees $0
    Loans to individuals $9,572
    Credit card loans $0
    Related Plans $14
    Consumer Auto Loans $4,314
    Other loans to individuals $5,244
    All other loans & leases $9,505
    Loans to foreign governments and official institutions $0
    Other loans $2,219
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    The City National Bank and Trust Company of Lawton had $234,965,000 of loans outstanding in 2020. $202,629,000 of loans were in real estate loans. $13,486,000 of loans were in development loans. $13,002,000 of loans were in multifamily mortgage loans. $76,363,000 of loans were in 1-4 family mortgage loans. $903,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,314,000 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 73 $18,122 $248,247
    Nonfarm, nonresidential loans - <$100k 14 $465 $33,214
    Nonfarm, nonresidential loans - $100-250k 23 $2,772 $120,522
    Nonfarm, nonresidential loans - $250k-1MM 36 $14,885 $413,472
    Commercial & Industrial, US addressed loans - <$1MM 373 $13,766 $36,906
    Commercial & Industrial, US addressed loans - <$100k 327 $5,633 $17,226
    Commercial & Industrial, US addressed loans - $100-250k 32 $3,246 $101,438
    Commercial & Industrial, US addressed loans - $250k-1MM 14 $4,887 $349,071
    Farmland loans - <$1MM 4 $205 $51,250
    Farmland loans - <$100k 3 $47 $15,667
    Farmland loans - $100-250k 1 $158 $158,000
    Agriculture operations loans - <$1MM 14 $219 $15,643
    Agriculture operations loans - <$100k 13 $168 $12,923
    Agriculture operations loans - $100-250k 1 $51 $51,000