PlainLender

The First National Bank & Trust CO

CHICKASHA, OK

The First National Bank & Trust CO processed 165 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 72 loans with a 21.8% denial rate. Home Purchase was the primary loan purpose. Based in CHICKASHA, OK. The approval rate of 43.6% reflects originated loans as a share of all applications.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. The First National Bank & Trust CO's 43.6% origination rate tells you how often an application turned into funded money; the 21.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Other, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (165 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.

165
Applications
72
Originated
21.8%
Denial Rate
$280,818
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 165 72 36 $280,818

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for The First National Bank & Trust CO (LEI: 549300HCWCQYV87S4729) · 2024 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 Approval rates exclude withdrawn / incomplete applications.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
15
Other
9
Debt-to-income ratio
8
Collateral
5
Unverifiable information
4

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 92 44 $277,065
Refinancing 37 13 $376,081
Other 14 7 $377,857
Home Improvement 14 5 $76,429
Cash-out Refinancing 8 3 $71,250

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 105 37.1% 24.8%
Joint * 16 31.3% 31.3%
American Indian or Alaska Native * 6 66.7% 16.7%
Black or African American * 2 50.0% 0.0%
Asian * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

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 91 36.3% 25.3%
Hispanic or Latino * 16 31.3% 31.3%
Joint * 12 50.0% 16.7%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

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 The First National Bank & Trust CO vs Arvest Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did The First National Bank & Trust CO process?
The First National Bank & Trust CO processed 165 mortgage applications in the 2024 HMDA reporting year. Of these, 72 were originated (approved and funded), 51 were withdrawn by the applicant, and 36 were denied.
What is The First National Bank & Trust CO's mortgage approval rate?
The First National Bank & Trust CO has an approval (origination) rate of 43.6%, meaning 43.6% of all applications resulted in a funded mortgage. The denial rate is 21.8%.
What is the average loan amount at The First National Bank & Trust CO?
The average mortgage loan amount at The First National Bank & Trust CO is $280,818.
What are the most common reasons for mortgage denial at The First National Bank & Trust CO?
The most common reasons for mortgage denial at The First National Bank & Trust CO are: Credit history, Other, Debt-to-income ratio. In total, 36 applications were denied out of 165 total applications.
What types of mortgage loans does The First National Bank & Trust CO offer?
The First National Bank & Trust CO processes Conventional loans. The most common type is Conventional with 165 applications and an average loan amount of $280,818.
What loan purposes does The First National Bank & Trust CO serve?
The First National Bank & Trust CO serves the following loan purposes: Home Purchase (92 applications), Refinancing (37 applications), Other (14 applications), Home Improvement (14 applications), Cash-out Refinancing (8 applications). Home Purchase is the most common purpose.
Where is The First National Bank & Trust CO located?
The First National Bank & Trust CO is headquartered in CHICKASHA, OK. The lender is identified by LEI 549300HCWCQYV87S4729 in HMDA data.
How does The First National Bank & Trust CO compare in lending across racial demographics?
The First National Bank & Trust CO reports demographic lending data under HMDA requirements. White applicants have an approval rate of 37.1% and denial rate of 24.8%; Joint applicants have an approval rate of 31.3% and denial rate of 31.3%; American Indian or Alaska Native applicants have an approval rate of 66.7% and denial rate of 16.7%. 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.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.