First Bank & Trust in Oklahoma vs the state
9.1%Denial rate-8.83 pts vs state
10.9%Decision denial rate-11.93 pts vs state
71.4%Origination rate+15.33 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
55Loans originated
7Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 66 | 17.8% | — | #167 |
| 2024 | 80 | 54 | 11.3% | — | #195 |
| 2025 | 77 | 55 | 9.1% | — | #217 |
What First Bank & Trust lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most First Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Noble County | 29 | 21 | 2 | 6.9% |
| Garfield County | 16 | 11 | 1 | 6.3% |
| Pawnee County | 10 | 9 | 0 | 0.0% |
| Payne County | 6 | 4 | 1 | 16.7% |
| Logan County | 4 | 2 | 1 | 25.0% |
| Pushmataha County | 2 | 2 | 0 | 0.0% |
| Grant County | 2 | 1 | 1 | 50.0% |
| Kay County | 2 | 1 | 1 | 50.0% |
| Lincoln County | 2 | 0 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 77 applications in 2025, of which 55 were originated and 7 denied.
9.1% of all applications, or 10.9% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Bank & Trust's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology