Lender in Oklahoma · HMDA 2025
First United Bank and Trust Company mortgages in Oklahoma
First United Bank and Trust Company's 2025 home-purchase and refinance lending in Oklahoma, compared with all lenders in the state.
First United Bank and Trust Company originated 2,598 owner-occupied single-family loans in Oklahoma from 2,769 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $5,130 versus $4,880 for all Oklahoma lenders, at a median 30-year fixed rate of 6.75% (Oklahoma: 6.625%).
Loans in OK
2,598
of 2,769 applications
Denial rate
4.6%
Purchase · OK 7.6%
Rate spread
+0.32 pts
Conv. · OK +0.21 pts
Loan amount
$255,000
Purchase · OK $235,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,375 | 2,240 | 4.6% | 6.750% | +0.32 pts | $5,130 | $255,000 |
| Refinance | 256 | 239 | 4.3% | 6.750% | +0.38 pts | $5,070 | $265,000 |
| Cash-out refinance | 138 | 119 | 13.0% | 6.875% | +0.54 pts | $5,310 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Oklahoma counties where First United Bank and Trust Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 52.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cleveland County | 1 | 304 | 8.3% |
| Pottawatomie County | 1 | 172 | 19.5% |
| Bryan County | 1 | 82 | 16.6% |
| McClain County | 1 | 74 | 8.6% |
| Seminole County | 1 | 28 | 15.5% |
| Marshall County | 1 | 27 | 18.5% |
| Garvin County | 1 | 22 | 9.0% |
| Choctaw County | 1 | 10 | 18.9% |
| Comanche County | 2 | 195 | 11.8% |
| Grady County | 2 | 60 | 6.5% |
| Pontotoc County | 2 | 48 | 12.2% |
| Lincoln County | 2 | 30 | 7.4% |
| Murray County | 2 | 12 | 8.4% |
| Hughes County | 2 | 8 | 9.9% |
| Johnston County | 2 | 7 | 13.0% |
| Oklahoma County | 3 | 394 | 4.1% |
| Rogers County | 3 | 94 | 6.4% |
| Creek County | 3 | 63 | 7.0% |
| Carter County | 3 | 34 | 6.7% |
| Atoka County | 3 | 8 | 10.3% |
| Kingfisher County | 3 | 8 | 4.8% |
| Pushmataha County | 3 | 7 | 11.3% |
| Okfuskee County | 3 | 5 | 5.9% |
| Tulsa County | 4 | 475 | 5.8% |
| Logan County | 4 | 37 | 3.7% |
| Pawnee County | 4 | 9 | 5.9% |
| Cotton County | 4 | 3 | 4.9% |
| Coal County | 4 | 2 | 6.7% |
| Mayes County | 5 | 22 | 5.2% |
| Harper County | 5 | 1 | 11.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology