First Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
40th12.1% deniedProcesswithdrawn + incomplete share, weight 15%
30th16.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 370 | 253 | 8.9% | 11.4% | — | $39M |
| 2024 | 379 | 281 | 12.9% | 14.9% | — | $46M |
| 2025 | 327 | 240 | 10.1% | 12.1% | — | $42M |
What First Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 48 manufactured homes, 69 investment properties.
Who gets approved at First Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 52 | 34 | 22.7% |
| $50k – $100k | 108 | 79 | 15.1% |
| $100k – $150k | 68 | 49 | 9.3% |
| $150k – $250k | 38 | 29 | 3.3% |
| Over $250k | 22 | 17 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 22 | 21.4% |
| 35–44 | 60 | 43 | 10.4% |
| 45–54 | 85 | 55 | 16.7% |
| 55–64 | 53 | 43 | 6.5% |
| 65–74 | 35 | 33 | 2.9% |
Where First Bank & Trust lends
3 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 322 | 235 | 10.3% | — | #90 |
Frequently asked questions
First Bank & Trust denied 12.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 40th percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 46% for refinancing (including cash-out), and 21% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.