The First National Bank and Trust in Oklahoma vs the state
17.8%Denial rate-0.11 pts vs state
23.4%Decision denial rate+0.55 pts vs state
56.2%Origination rate+0.06 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
82Loans originated
26Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 77 | 31.9% | — | #122 |
| 2024 | 162 | 72 | 21.6% | — | #130 |
| 2025 | 146 | 82 | 17.8% | — | #153 |
What The First National Bank and Trust lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most The First National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grady County | 80 | 49 | 12 | 15.0% |
| McClain County | 20 | 11 | 6 | 30.0% |
| Cleveland County | 11 | 6 | 0 | 0.0% |
| Stephens County | 6 | 1 | 2 | 33.3% |
| Oklahoma County | 6 | 2 | 3 | 50.0% |
| Canadian County | 6 | 3 | 0 | 0.0% |
| Caddo County | 5 | 2 | 2 | 40.0% |
| Garvin County | 3 | 3 | 0 | 0.0% |
| Pittsburg County | 2 | 2 | 0 | 0.0% |
| McIntosh County | 1 | 0 | 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: 146 applications in 2025, of which 82 were originated and 26 denied.
17.8% of all applications, or 23.4% 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 The First National 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