First United Bank and Trust Company: 2025 mortgage rates, costs & approvals
How First United Bank and Trust Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First United Bank and Trust Company · LEI 549300DMHEHNYZ2OLB41
In 2025, First United Bank and Trust Company originated 4,506 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 29 states — 143rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 12 basis points above the national median. Median conventional loan costs were $6,130, 10% higher than the national median ($5,570).
It denied 4.6% of completed home-purchase applications (all lenders: 8.5%).
How First United Bank and Trust Company priced home-purchase loans
| Purchase loans, 2025 | First United Bank and Trust Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.25 pts | +0.13 pts |
| Total loan costs · conventional | $6,130 | $5,570 |
| Total loan costs · FHA | $9,300 | $11,310 |
| Total loan costs · VA | $7,670 | $6,490 |
| Origination charges (all types) | $1,800 | $1,860 |
| Borrowers paying discount points | 53.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.62% | 0.87% |
| Borrowers receiving lender credits | 54.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why First United Bank and Trust Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where First United Bank and Trust Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Oklahoma | 2,598 | 2,769 | 4.6% | 6.750% | $5,130 |
| Texas | 1,842 | 1,955 | 4.6% | 6.625% | $7,180 |
| Florida | 10 | 11 | — | — | — |
| Arkansas | 6 | 6 | — | — | — |
| California | 5 | 5 | — | — | — |
| Colorado | 5 | 5 | — | — | — |
| Arizona | 3 | 3 | — | — | — |
| Kansas | 3 | 3 | — | — | — |
| Tennessee | 2 | 3 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Georgia | 2 | 2 | — | — | — |
| Illinois | 2 | 2 | — | — | — |
| Kentucky | 2 | 2 | — | — | — |
| Massachusetts | 2 | 2 | — | — | — |
| Michigan | 2 | 2 | — | — | — |
| Minnesota | 2 | 2 | — | — | — |
| Missouri | 2 | 2 | — | — | — |
| Mississippi | 2 | 2 | — | — | — |
| New Mexico | 2 | 2 | — | — | — |
| Utah | 2 | 2 | — | — | — |
| Washington | 2 | 2 | — | — | — |
| North Carolina | 1 | 2 | — | — | — |
| Idaho | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First United Bank and Trust Company's page for that state.
Counties where First United Bank and Trust Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pottawatomie County, OK | 1 | 172 | 19.5% |
| Choctaw County, OK | 1 | 10 | 18.9% |
| Marshall County, OK | 1 | 27 | 18.5% |
| Bryan County, OK | 1 | 82 | 16.6% |
| Seminole County, OK | 1 | 28 | 15.5% |
| Johnston County, OK | 2 | 7 | 13.0% |
| Pontotoc County, OK | 2 | 48 | 12.2% |
| Comanche County, OK | 2 | 195 | 11.8% |
| Pushmataha County, OK | 3 | 7 | 11.3% |
| Harper County, OK | 5 | 1 | 11.1% |
| Atoka County, OK | 3 | 8 | 10.3% |
| Hughes County, OK | 2 | 8 | 9.9% |
| Garvin County, OK | 1 | 22 | 9.0% |
| McClain County, OK | 1 | 74 | 8.6% |
| Murray County, OK | 2 | 12 | 8.4% |
Check First United Bank and Trust Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300DMHEHNYZ2OLB41.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First United Bank and Trust Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology