First United Bank and Trust in Oklahoma vs the state
5.9%Denial rate-12.06 pts vs state
7.5%Decision denial rate-15.34 pts vs state
70.8%Origination rate+14.68 pts vs state
6.88%Median rate+0.25 pts vs state
0.41Rate spread (pts)+0.06 pts vs state
$102kMedian applicant income
3,985Loans originated
330Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,667 | 3,855 | 7.0% | 7.38% | #2 |
| 2024 | 5,479 | 3,921 | 5.9% | 7.00% | #2 |
| 2025 | 5,630 | 3,985 | 5.9% | 6.88% | #2 |
What First United Bank and Trust lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 899 | 604 | 63 | 7.0% |
| Tulsa County | 767 | 571 | 30 | 3.9% |
| Cleveland County | 696 | 518 | 40 | 5.7% |
| Pottawatomie County | 395 | 287 | 21 | 5.3% |
| Bryan County | 377 | 246 | 35 | 9.3% |
| Canadian County | 284 | 206 | 11 | 3.9% |
| Comanche County | 261 | 213 | 7 | 2.7% |
| McClain County | 187 | 142 | 13 | 7.0% |
| Rogers County | 166 | 114 | 6 | 3.6% |
| Pontotoc County | 163 | 116 | 9 | 5.5% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| 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% |
| Triad Financial Services | D | 2,559 | 51.4% | 8.85% |
Frequently asked questions
Oklahoma: 5,630 applications in 2025, of which 3,985 were originated and 330 denied.
5.9% of all applications, or 7.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans First United Bank and Trust originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First United Bank and 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