PlainLender

First National Bank and Trust Company of Ardmore

Ardmore, OK

First National Bank and Trust Company of Ardmore processed 150 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 121 loans with a 4.7% denial rate. Home Purchase was the primary loan purpose. Based in Ardmore, OK. The approval rate of 80.7% 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 National Bank and Trust Company of Ardmore processed 150 HMDA-reported mortgage applications in 2024, originating 121 loans and denying 7 for a denial rate of 4.7% (applicants themselves withdrew 17 files before a decision). The average loan amount was $173,667. The lender reports under LEI 54930080KJR5G1HZVI89 from Ardmore, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness.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 National Bank and Trust Company of Ardmore's 80.7% origination rate tells you how often an application turned into funded money; the 4.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Employment history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (150 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.

150
Applications
121
Originated
4.7%
Denial Rate
$173,667
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 150 121 7 $173,667

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First National Bank and Trust Company of Ardmore (LEI: 54930080KJR5G1HZVI89) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
5
Debt-to-income ratio
3
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 84 65 $210,119
Refinancing 30 26 $209,000
Other 22 17 $50,000
Home Improvement 14 13 $73,571

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 93 75.3% 7.5%
Joint 16 75.0% 0.0%
Asian 5 100.0% 0.0%
American Indian or Alaska Native 4 50.0% 0.0%
Black or African American 2 100.0% 0.0%

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 103 76.7% 5.8%
Hispanic or Latino 8 87.5% 0.0%
Joint 8 62.5% 0.0%

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 National Bank and Trust Company of Ardmore 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 National Bank and Trust Company of Ardmore process?
First National Bank and Trust Company of Ardmore processed 150 mortgage applications in the 2023 HMDA reporting year. Of these, 121 were originated (approved and funded), 17 were withdrawn by the applicant, and 7 were denied.
What is First National Bank and Trust Company of Ardmore's mortgage approval rate?
First National Bank and Trust Company of Ardmore has an approval (origination) rate of 80.7%, meaning 80.7% of all applications resulted in a funded mortgage. The denial rate is 4.7%.
What is the average loan amount at First National Bank and Trust Company of Ardmore?
The average mortgage loan amount at First National Bank and Trust Company of Ardmore is $173,667.
What are the most common reasons for mortgage denial at First National Bank and Trust Company of Ardmore?
The most common reasons for mortgage denial at First National Bank and Trust Company of Ardmore are: Credit history, Debt-to-income ratio, Employment history. In total, 7 applications were denied out of 150 total applications.
What types of mortgage loans does First National Bank and Trust Company of Ardmore offer?
First National Bank and Trust Company of Ardmore processes Conventional loans. The most common type is Conventional with 150 applications and an average loan amount of $173,667.
What loan purposes does First National Bank and Trust Company of Ardmore serve?
First National Bank and Trust Company of Ardmore serves the following loan purposes: Home Purchase (84 applications), Refinancing (30 applications), Other (22 applications), Home Improvement (14 applications). Home Purchase is the most common purpose.
Where is First National Bank and Trust Company of Ardmore located?
First National Bank and Trust Company of Ardmore is headquartered in Ardmore, OK. The lender is identified by LEI 54930080KJR5G1HZVI89 in HMDA data.
How does First National Bank and Trust Company of Ardmore compare in lending across racial demographics?
First National Bank and Trust Company of Ardmore reports demographic lending data under HMDA requirements. White applicants have an approval rate of 75.3% and denial rate of 7.5%; Joint applicants have an approval rate of 75.0% and denial rate of 0.0%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. 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.