First National Bank Of Oklahoma at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
81st1.3% deniedProcesswithdrawn + incomplete share, weight 15%
61st3.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 291 | 273 | 2.1% | 2.1% | — | $76M |
| 2024 | 257 | 243 | 2.0% | 2.0% | — | $53M |
| 2025 | 248 | 234 | 1.2% | 1.3% | — | $63M |
What First National Bank Of Oklahoma 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, 6 manufactured homes, 165 investment properties.
Why First National Bank Of Oklahoma denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First National Bank Of Oklahoma
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 29 | 0.0% |
| $50k – $100k | 36 | 31 | 6.1% |
| $150k – $250k | 21 | 17 | 5.3% |
| Over $250k | 20 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 26 | 22 | 8.3% |
| 45–54 | 26 | 22 | 0.0% |
| 55–64 | 22 | 22 | 0.0% |
| 65–74 | 25 | 22 | 4.4% |
Where First National Bank Of Oklahoma lends
5 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 242 | 230 | 1.2% | — | #110 |
Frequently asked questions
First National Bank Of Oklahoma denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of investment-property lenders.
The most common reason First National Bank Of Oklahoma gave in 2025 was "credit history", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 45% of its applications were for home purchases, 44% for refinancing (including cash-out), and 10% 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.