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, Duncan, and Wichita among others. We have data for 8 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

    71

    Origination Dollar Volume (All Markets)

    $15,185,000

    Employee count

    336

    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) 21 $5,465,000 $260,238 $0 0.00%
    LAWTON, OK (FHA|USDA|VA) 29 $3,815,000 $131,552 $0 0.00%
    TULSA, OK (FHA|USDA|VA) 10 $3,070,000 $307,000 $0 0.00%
    Outside of Metro Areas 6 $1,600,000 $266,667 $0 0.00%
    Duncan, OK (FHA|USDA|VA) 2 $910,000 $455,000 $0 0.00%
    WICHITA, KS (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
    Shawnee, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    Ponca City, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    The City National Bank And Trust Company Of Lawton's top markets include Oklahoma City, Lawton, Tulsa, Duncan, and Wichita among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 71 $15,185,000 $213,873 $0 0.00%

    For 2021, The City National Bank And Trust Company Of Lawton's most frequently originated type of loan was Conventional, with 71 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 46 $8,260,000 $179,565 $0 0.00%
    Refi 13 $4,125,000 $317,308 $0 0.00%
    Cash Out Refi 6 $2,200,000 $366,667 $0 0.00%
    Home Improvement 5 $455,000 $91,000 $0 0.00%
    Other 1 $145,000 $145,000 $0 0.00%

    For 2021, The City National Bank And Trust Company Of Lawton's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Refi, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 71 $15,185,000 $213,873 $0 0.00%

    For 2021, The City National Bank And Trust Company Of Lawton's most frequently cited loan duration was Other, with 71 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 25 $1,745,000 $69,800 $0 0.00%
    $100k-200k 24 $3,420,000 $142,500 $0 0.00%
    $200k-400k 11 $2,915,000 $265,000 $0 0.00%
    $600k-1MM 6 $4,410,000 $735,000 $0 0.00%
    $400k-600k 4 $1,690,000 $422,500 $0 0.00%
    $1MM+ 1 $1,005,000 $1,005,000 $0 0.00%

    2021 saw The City National Bank And Trust Company Of Lawton place emphasis on $100,000 or less loans with 25 originations, totaling $1,745,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 11 $2,745,000 $249,545 $0 0.00%
    $50k or less 9 $1,095,000 $121,667 $0 0.00%
    $75k-100k 7 $815,000 $116,429 $0 0.00%
    $50k-75k 6 $590,000 $98,333 $0 0.00%
    $150k-250k 5 $1,875,000 $375,000 $0 0.00%
    $250k+ 2 $1,340,000 $670,000 $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 11 originations. The second most popular income band? $50k or less, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 71 $15,185,000 $213,873 $0 0.00%

    The City National Bank And Trust Company Of Lawton lent most frequently to those with DTI ratios of Exempt%, with 71 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 36 $8,040,000 $223,333 $0 0.00%
    Not applicable 30 $6,560,000 $218,667 $0 0.00%
    Black 3 $375,000 $125,000 $0 0.00%
    Asian 1 $155,000 $155,000 $0 0.00%
    American Indian 1 $55,000 $55,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    84.31%

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

    Pick Rate

    Approvals leading to origination
    78.87%

    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 71 $15,185,000 $213,873

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    71 $15,185,000 $213,873

    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 $4,634
    The City National Bank and Trust Company of Lawton, Oklahoma 1002 Northwest Sheridan Road Lawton, OK 73505 Full Service Retail $8,524
    The City National Bank and Trust Company of Lawton, Oklahoma 1002 W Taft Ave Sapulpa, OK 74066 Full Service Retail $542
    The City National Bank and Trust Company of Lawton, Oklahoma 10712 E 81st Street Tulsa, OK 74133 Full Service B&M $3,098
    The City National Bank and Trust Company of Lawton, Oklahoma 10938 South Memorial Drive Tulsa, OK 74133 Full Service Retail $1,895
    The City National Bank and Trust Company of Lawton, Oklahoma 1101 East Prospect Ponca City, OK 74601 Full Service Retail $4,619
    The City National Bank and Trust Company of Lawton, Oklahoma 11411 E Kellogg Drive Wichita, KS 67207 Full Service Retail $830
    The City National Bank and Trust Company of Lawton, Oklahoma 12200 South Waco Avenue Sapulpa, OK 74066 Full Service Retail $2,684
    The City National Bank and Trust Company of Lawton, Oklahoma 1225 W I-35 Frontage Rd Edmond, OK 73013 Full Service Retail $2,070
    The City National Bank and Trust Company of Lawton, Oklahoma 13801 N May Ave Oklahoma City, OK 73134 Full Service B&M $2,076
    The City National Bank and Trust Company of Lawton, Oklahoma 1500 S.W. 59th Street Oklahoma City, OK 73119 Full Service Retail $2,672
    The City National Bank and Trust Company of Lawton, Oklahoma 1608 South Division Guthrie, OK 73044 Full Service Retail $2,384
    The City National Bank and Trust Company of Lawton, Oklahoma 1836 Nw 82nd Street Lawton, OK 73505 Full Service B&M $11,355
    The City National Bank and Trust Company of Lawton, Oklahoma 1845 N Hw 81 Duncan, OK 73533 Full Service Retail $3,372
    The City National Bank and Trust Company of Lawton, Oklahoma 196 E Shawnee Mall Dr Shawnee, OK 74804 Full Service Retail $2,170
    The City National Bank and Trust Company of Lawton, Oklahoma 2000 W Memorial Rd Oklahoma City, OK 73134 Full Service Retail $3,575
    The City National Bank and Trust Company of Lawton, Oklahoma 2001 South 1st Street Chickasha, OK 73018 Full Service Retail $3,340
    The City National Bank and Trust Company of Lawton, Oklahoma 207 South Memorial Drive Tulsa, OK 74112 Full Service Retail $1,420
    The City National Bank and Trust Company of Lawton, Oklahoma 2301 W Kenosha St Broken Arrow, OK 74012 Full Service Retail $2,293
    The City National Bank and Trust Company of Lawton, Oklahoma 2400 S. Country Club Road El Reno, OK 73036 Full Service Retail $4,999
    The City National Bank and Trust Company of Lawton, Oklahoma 2415 N Main Street Miami, OK 74354 Full Service Retail $3,379
    The City National Bank and Trust Company of Lawton, Oklahoma 3030 N Rock Road Wichita, KS 67226 Full Service Retail $1,365
    The City National Bank and Trust Company of Lawton, Oklahoma 3116 S Garnett Rd Tulsa, OK 74146 Full Service Retail $4,738
    The City National Bank and Trust Company of Lawton, Oklahoma 333 N Interstate Dr Norman, OK 73069 Full Service Retail $1,811
    The City National Bank and Trust Company of Lawton, Oklahoma 4000 Green Country Rd Bartlesville, OK 74006 Full Service Retail $1,925
    The City National Bank and Trust Company of Lawton, Oklahoma 4113 West Gore Boulevard Lawton, OK 73505 Full Service B&M $8,229
    The City National Bank and Trust Company of Lawton, Oklahoma 4420 South Western Avenue Oklahoma City, OK 73109 Full Service Retail $2,508
    The City National Bank and Trust Company of Lawton, Oklahoma 4510 South East Lee Boulevard Lawton, OK 73501 Full Service Retail $5,022
    The City National Bank and Trust Company of Lawton, Oklahoma 500-600 D Avenue Lawton, OK 73502 Full Service B&M $236,529
    The City National Bank and Trust Company of Lawton, Oklahoma 501 E Pawnee St Wichita, KS 67211 Full Service Retail $2,019
    The City National Bank and Trust Company of Lawton, Oklahoma 5401 Tinker Diagonal Street Del City, OK 73115 Full Service Retail $3,981
    The City National Bank and Trust Company of Lawton, Oklahoma 5505 W Owen K Garriott Rd Enid, OK 73703 Full Service Retail $4,523
    The City National Bank and Trust Company of Lawton, Oklahoma 5801 East 41st Street Tulsa, OK 74135 Full Service B&M $7,054
    The City National Bank and Trust Company of Lawton, Oklahoma 6110 W Kellogg Dr Wichita, KS 67209 Full Service B&M $145
    The City National Bank and Trust Company of Lawton, Oklahoma 6301 Nw Quannah Parker Trailway Lawton, OK 73505 Full Service Retail $5,313
    The City National Bank and Trust Company of Lawton, Oklahoma 6310 S. Elm Place Broken Arrow, OK 74011 Full Service Retail $2,154
    The City National Bank and Trust Company of Lawton, Oklahoma 6625 S Memorial Drive Tulsa, OK 74133 Full Service Retail $4,765
    The City National Bank and Trust Company of Lawton, Oklahoma 7319 South Western Avenue Oklahoma City, OK 73139 Full Service B&M $6,820
    The City National Bank and Trust Company of Lawton, Oklahoma 9011 Ne 23rd St Oklahoma City, OK 73140 Full Service Retail $3,981
    The City National Bank and Trust Company of Lawton, Oklahoma 9320 North Pennsylvania Avenue Oklahoma City, OK 73120 Full Service Retail $2,399
    The City National Bank and Trust Company of Lawton, Oklahoma 9411 S. Delaware Avenue Tulsa, OK 74137 Full Service Retail $1,803
    The City National Bank and Trust Company of Lawton, Oklahoma 951 E State Hwy 152 Mustang, OK 73064 Full Service Retail $2,418

    For 2021, 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 $14,524
    Net interest income $13,997
    Total noninterest income $34,522
    Gross Fiduciary activities income $590
    Service charges on deposit accounts $18,893
    Trading account gains and fees $0
    Additional Noninterest Income $15,039
    Pre-tax net operating income $7,556
    Securities gains (or losses, -) $178
    Income before extraordinary items $7,734
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,734
    Minority interest net income $0
    Net income $7,734
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,556

    The City National Bank And Trust Company Of Lawton's gross interest income from loans was $14,524,000.
    The City National Bank And Trust Company Of Lawton's net interest income from loans was $13,997,000.
    The City National Bank And Trust Company Of Lawton's fee based income from loans was $18,893,000.
    The City National Bank And Trust Company Of Lawton's net income from loans was $7,734,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $527
    Provision for credit losses $840
    Total noninterest expense $40,123
    Salaries and employee benefits $19,387
    Premises and equipment expense $3,455
    Additional noninterest expense $17,281
    Applicable income taxes $0
    Net charge-offs $383
    Cash dividends $5,800

    The City National Bank And Trust Company Of Lawton's interest expense for loans was $527,000.
    The City National Bank And Trust Company Of Lawton's payroll and benefits expense were $19,387,000.
    The City National Bank And Trust Company Of Lawton's property, plant and equipment expenses $3,455,000.

    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 1.0%
    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 $375,119
    Deposits held in domestic offices $375,119
    Deposits by Individuals, partnerships, and corporations $374,159
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $269
    Deposits by Commercial banks and other depository institutions in U.S. $687
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $205,571
    Demand deposits $111,493
    Nontransaction accounts $169,549
    Money market deposit accounts (MMDAs) $64,257
    Other savings deposits (excluding MMDAs) $82,208
    Total time deposits $23,085
    Total time and savings deposits $263,627
    Noninterest-bearing deposits $111,493
    Interest-bearing deposits $263,626
    Retail deposits $368,207
    IRAs and Keogh plan accounts $6,547
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $439,366
    Cash & Balances due from depository institutions $80,289
    Interest-bearing balances $55,878
    Total securities $79,354
    Federal funds sold & reverse repurchase $0
    Net loans and leases $257,819
    Loan and leases loss allowance $5,059
    Trading account assets $0
    Bank premises and fixed assets $13,049
    Other real estate owned $618
    Goodwill and other intangibles $0
    All other assets $8,237

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $439,366
    Total Liabilities $384,941
    Total deposits $375,119
    Interest-bearing deposits $263,626
    Deposits held in domestic offices $375,119
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $2,867
    Subordinated debt $0
    All other liabilities $6,955

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $257,819
    Loan and leases loss allowance $5,059
    Total loans and leases (domestic) $262,878
    All real estate loans $231,849
    Real estate loans in domestic offices $231,849
    Construction and development loans $18,924
    Residential 1-4 family construction $7,348
    Other construction, all land development and other land $11,576
    Loans secured by nonfarm nonresidential properties $127,480
    Nonfarm nonresidential secured by owner-occupied properties $29,334
    Commercial real estate & other non-farm, non-residential $98,146
    Multifamily residential real estate $13,497
    1-4 family residential loans $71,279
    Farmland loans $669
    Loans held in foreign offices $0
    Farm loans $737
    Commercial and industrial loans $11,727
    To non-U.S. addressees $0
    Loans to individuals $8,559
    Credit card loans $0
    Related Plans $11
    Consumer Auto Loans $4,250
    Other loans to individuals $4,298
    All other loans & leases $10,006
    Loans to foreign governments and official institutions $0
    Other loans $2,469
    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 $257,819,000 of loans outstanding in 2021. $231,849,000 of loans were in real estate loans. $18,924,000 of loans were in development loans. $13,497,000 of loans were in multifamily mortgage loans. $71,279,000 of loans were in 1-4 family mortgage loans. $737,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,250,000 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 74 $18,377 $248,338
    Nonfarm, nonresidential loans - <$100k 14 $483 $34,500
    Nonfarm, nonresidential loans - $100-250k 24 $2,623 $109,292
    Nonfarm, nonresidential loans - $250k-1MM 36 $15,271 $424,194
    Commercial & Industrial, US addressed loans - <$1MM 168 $8,649 $51,482
    Commercial & Industrial, US addressed loans - <$100k 134 $2,429 $18,127
    Commercial & Industrial, US addressed loans - $100-250k 19 $2,044 $107,579
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $4,176 $278,400
    Farmland loans - <$1MM 3 $184 $61,333
    Farmland loans - <$100k 2 $33 $16,500
    Farmland loans - $100-250k 1 $151 $151,000
    Agriculture operations loans - <$1MM 8 $106 $13,250
    Agriculture operations loans - <$100k 8 $106 $13,250