PlainLender

Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee

Okmulgee, OK

Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee processed 98 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 66 loans with a 21.4% denial rate. Home Purchase was the primary loan purpose. Based in Okmulgee, OK. The approval rate of 67.3% 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. Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee processed 98 HMDA-reported mortgage applications in 2024, originating 66 loans and denying 21 for a denial rate of 21.4%. The average loan amount was $94,694. The lender reports under LEI 549300E8JTSHNU1K4K92 from Okmulgee, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee's 67.3% origination rate tells you how often an application turned into funded money; the 21.4% 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, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (98 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.

98
Applications
66
Originated
21.4%
Denial Rate
$94,694
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 98 66 21 $94,694

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee (LEI: 549300E8JTSHNU1K4K92) · 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
12
Debt-to-income ratio
7
Other
1
Insufficient cash
1
Collateral
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 43 33 $139,884
Refinancing 34 19 $64,706
Home Improvement 13 8 $58,077
Other 8 6 $38,750

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 55 61.8% 27.3%
American Indian or Alaska Native 8 62.5% 12.5%
Black or African American 8 75.0% 25.0%
Joint 5 40.0% 20.0%
Asian 3 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 1 100.0% 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 76 63.2% 23.7%
Hispanic or Latino 4 75.0% 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 Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee 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 Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee process?
Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee processed 98 mortgage applications in the 2023 HMDA reporting year. Of these, 66 were originated (approved and funded), and 21 were denied.
What is Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee's mortgage approval rate?
Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee has an approval (origination) rate of 67.3%, meaning 67.3% of all applications resulted in a funded mortgage. The denial rate is 21.4%.
What is the average loan amount at Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee?
The average mortgage loan amount at Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee is $94,694.
What are the most common reasons for mortgage denial at Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee?
The most common reasons for mortgage denial at Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee are: Credit history, Debt-to-income ratio, Other. In total, 21 applications were denied out of 98 total applications.
What types of mortgage loans does Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee offer?
Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee processes Conventional loans. The most common type is Conventional with 98 applications and an average loan amount of $94,694.
What loan purposes does Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee serve?
Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee serves the following loan purposes: Home Purchase (43 applications), Refinancing (34 applications), Home Improvement (13 applications), Other (8 applications). Home Purchase is the most common purpose.
Where is Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee located?
Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee is headquartered in Okmulgee, OK. The lender is identified by LEI 549300E8JTSHNU1K4K92 in HMDA data.
How does Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee compare in lending across racial demographics?
Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee reports demographic lending data under HMDA requirements. White applicants have an approval rate of 61.8% and denial rate of 27.3%; American Indian or Alaska Native applicants have an approval rate of 62.5% and denial rate of 12.5%; Black or African American applicants have an approval rate of 75.0% and denial rate of 25.0%. 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.