First National Bank and Trust Company of Ardmore in Oklahoma vs the state
5.6%Denial rate-12.36 pts vs state
6.2%Decision denial rate-16.71 pts vs state
82.7%Origination rate+26.62 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
134Loans originated
9Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 107 | 2.4% | — | #144 |
| 2024 | 147 | 120 | 4.8% | — | #137 |
| 2025 | 162 | 134 | 5.6% | — | #145 |
What First National Bank and Trust Company of Ardmore lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most First National Bank and Trust Company of Ardmore applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carter County | 64 | 49 | 4 | 6.3% |
| Stephens County | 24 | 21 | 0 | 0.0% |
| Murray County | 18 | 16 | 0 | 0.0% |
| Oklahoma County | 12 | 11 | 1 | 8.3% |
| Marshall County | 11 | 10 | 1 | 9.1% |
| Love County | 7 | 6 | 1 | 14.3% |
| Logan County | 6 | 5 | 0 | 0.0% |
| Garvin County | 5 | 5 | 0 | 0.0% |
| Cleveland County | 3 | 2 | 0 | 0.0% |
| Canadian County | 3 | 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: 162 applications in 2025, of which 134 were originated and 9 denied.
5.6% of all applications, or 6.2% 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 National Bank and Trust Company of Ardmore'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