Applications / Mortgage Analytics / Lenders / Oklahoma / The City National Bank and Trust Company of Lawton, Oklahoma
Lawton, OK · National bank · OCC · $435 million assets · 36 loans in 2025
The City National Bank and Trust Company of Lawton, Oklahoma's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
36
loans originated, 2025
110
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The City National Bank and Trust Company of Lawton, Oklahoma is a small hometown lender: it made 36 home loans in 2025, all conventional and most of them for house purchases.
Its loans fell 12%, from 41 to 36, while similar lenders (national banks making between half and twice as many loans) held level and the whole market rose 10%. The bank made 91 loans in 2022 and has made fewer than half that in each year since. The record does not say why, but it made between 44 and 51 loans a year from 2018 to 2020, so the busy years of 2021 and 2022 may have been the exception.
Its typical loan was $110,000, against $180,000 at similar lenders, smaller than about five in six of them. Purchases made up 72.2% of its loans and refinances 22.2%. It made no loans insured by the Federal Housing Administration or guaranteed by the Department of Veterans Affairs; every loan was conventional.
The bank has reported loans in Lawton since 1990, where it ranks 46 of 211 lenders. Its share there fell from 0.8% to 0.3%; Mortgage Research Center leads the market. For a lender this size, a handful of loans moves the share: its dollar lending fell from $10.6 million to $9.2 million. Its figures for lending in poorer neighborhoods rest on too few loans to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The City National Bank and Trust Company of Lawton, Oklahoma took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.2% · Refinance 22.2% · Other 5.6%
Conventional 100.0% · of 36 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 24 | 66.7% |
| Florida | 1 | 2.8% |
| Texas | 1 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lawton | 12 |
| Oklahoma City | 6 |
| Tulsa | 2 |
| Dallas-Plano-Irving | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RYQVJMZ3X21K04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 294751 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15753 | 1990–2017 |
Established 23 March 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The City National Bank and Trust Company of Lawton, Oklahoma's data.
The City National Bank and Trust Company of Lawton, Oklahoma's data
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The City National Bank and Trust Company of Lawton, Oklahoma and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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