First Bank & Trust in Oklahoma vs the state
10.3%Denial rate-7.67 pts vs state
12.3%Decision denial rate-10.56 pts vs state
73.0%Origination rate+16.88 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
235Loans originated
33Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 361 | 249 | 9.1% | — | #73 |
| 2024 | 372 | 277 | 12.9% | — | #73 |
| 2025 | 322 | 235 | 10.3% | — | #90 |
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 |
|---|---|---|---|---|
| Stephens County | 88 | 64 | 10 | 11.4% |
| Carter County | 71 | 61 | 2 | 2.8% |
| Lincoln County | 38 | 28 | 5 | 13.2% |
| Jefferson County | 21 | 11 | 2 | 9.5% |
| Oklahoma County | 21 | 15 | 1 | 4.8% |
| Payne County | 15 | 14 | 1 | 6.7% |
| Garvin County | 14 | 8 | 5 | 35.7% |
| McClain County | 10 | 4 | 3 | 30.0% |
| Cleveland County | 6 | 4 | 1 | 16.7% |
| Grady County | 5 | 3 | 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: 322 applications in 2025, of which 235 were originated and 33 denied.
10.3% of all applications, or 12.3% 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