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FIRST BANK AND TRUST CO

DUNCAN, OK

FIRST BANK AND TRUST CO processed 379 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 281 loans with a 12.9% denial rate. Home Purchase was the primary loan purpose. Based in DUNCAN, OK. The approval rate of 74.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. FIRST BANK AND TRUST CO processed 379 HMDA-reported mortgage applications in 2024, originating 281 loans and denying 49 for a denial rate of 12.9% (applicants themselves withdrew 49 files before a decision). The average loan amount was $151,755. The lender reports under LEI 549300H6C1OV8E3V1P15 from DUNCAN, OK.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. FIRST BANK AND TRUST CO's 74.1% origination rate tells you how often an application turned into funded money; the 12.9% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (361 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

379
Applications
281
Originated
12.9%
Denial Rate
$151,755
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 361 281 41 $153,366
FHA 12 0 7 $121,667
VA 5 0 0 $119,000
USDA 1 0 1 $95,000

Top loan types — FIRST BANK AND TRUST CO

Top loan types — FIRST BANK AND TRUST CO Horizontal bar chart of the top 4 items by value (applications). Top loan types — FIRST BANK AND TRUST CO Top 4 1. Conventional 361 2. FHA 12 3. VA 5 4. USDA 1 Top 5 loan types by application volume at FIRST BANK AND TRUST CO (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for FIRST BANK AND TRUST CO (LEI: 549300H6C1OV8E3V1P15) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 182 127 $209,121
Refinancing 129 110 $125,233
Home Improvement 38 26 $48,684
Other 30 18 $48,333

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 282 71.6% 14.2%
Joint 16 56.3% 25.0%
American Indian or Alaska Native 6 50.0% 33.3%
Asian 4 75.0% 25.0%
Black or African American 4 75.0% 25.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 287 73.2% 13.9%
Hispanic or Latino 12 33.3% 41.7%
Joint 12 58.3% 25.0%

Nearby Lenders in OK

Other HMDA-reporting lenders in OK with similar activity. Compare any two side-by-side.

ARVEST BANK

TULSA, OK

20,066 apps 12,946 originated 16.2% denied

MidFirst Bank

Oklahoma City, OK

14,527 apps 1,920 originated 2.8% denied

GATEWAY FIRST BANK

JENKS, OK

13,103 apps 8,366 originated 4.3% denied

FINANCE OF AMERICA REVERSE LLC

TULSA, OK

12,910 apps 8,638 originated 8.3% denied

BOKF NA

TULSA, OK

11,220 apps 5,852 originated 27.4% denied
Compare FIRST BANK AND TRUST CO vs ARVEST BANK →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did FIRST BANK AND TRUST CO process?
FIRST BANK AND TRUST CO processed 379 mortgage applications in the 2023 HMDA reporting year. Of these, 281 were originated (approved and funded), 49 were withdrawn by the applicant, and 49 were denied.
What is FIRST BANK AND TRUST CO's mortgage approval rate?
FIRST BANK AND TRUST CO has an approval (origination) rate of 74.1%, meaning 74.1% of all applications resulted in a funded mortgage. The denial rate is 12.9%.
What is the average loan amount at FIRST BANK AND TRUST CO?
The average mortgage loan amount at FIRST BANK AND TRUST CO is $151,755.
What types of mortgage loans does FIRST BANK AND TRUST CO offer?
FIRST BANK AND TRUST CO processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 361 applications and an average loan amount of $153,366.
What loan purposes does FIRST BANK AND TRUST CO serve?
FIRST BANK AND TRUST CO serves the following loan purposes: Home Purchase (182 applications), Refinancing (129 applications), Home Improvement (38 applications), Other (30 applications). Home Purchase is the most common purpose.
Where is FIRST BANK AND TRUST CO located?
FIRST BANK AND TRUST CO is headquartered in DUNCAN, OK. The lender is identified by LEI 549300H6C1OV8E3V1P15 in HMDA data.
How does FIRST BANK AND TRUST CO compare in lending across racial demographics?
FIRST BANK AND TRUST CO reports demographic lending data under HMDA requirements. White applicants have an approval rate of 71.6% and denial rate of 14.2%; Joint applicants have an approval rate of 56.3% and denial rate of 25.0%; American Indian or Alaska Native applicants have an approval rate of 50.0% and denial rate of 33.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.