Applications / Mortgage Analytics / Lenders / Oklahoma / First United Bank and Trust Company
Durant, OK · State member bank · FRS · $16.3 billion assets · 6,705 loans in 2025
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6,705
loans originated, 2025
9,839
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First United Bank and Trust Company is the leading lender in Oklahoma City, ranked 1 of 534, and a heavy government-backed lender, though its loans fell 7% in 2025 while similar lenders' rose 6%.
Similar lenders are state member banks making between half and twice as many loans. FHA (insured by the Federal Housing Administration) loans were 15.2% of its originations against 5.2%, higher than more than nine in ten, and VA (guaranteed by the Department of Veterans Affairs) 8.3% against 1.5%, the highest.
It leads Oklahoma City ahead of Rocket Mortgage, but its share fell to 4.8% from 5.5%, and in Austin to 1.7% from 2.2%. Tulsa rose to 4.7% from 4.6%. Harder competition from national lenders, or its own pricing, could account for the losses and for the fall in its originations.
LMI (low- and moderate-income) borrowers took 19.2% of its loans against 27.7%, lower than nearly nine in ten similar lenders, though up from 15.8% a year before. Its typical loan of $255,000 against $210,000 and its Dallas and Austin lending may draw higher-income borrowers.
It turned down 4.9% of first-lien purchase applications on owner-occupied homes against 8.2%, and 8.5% of refinance applications against 17.8%, lower than more than four in five similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First United Bank and Trust Company took 9,839 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.2% · Refinance 17.7% · Other 10.8% · Home improvement 4.3%
Conventional 76.2% · FHA 15.2% · VA 8.3% · USDA (RHS or FSA) 0.4% · of 6,705 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 3,985 | 59.4% |
| Texas | 2,615 | 39.0% |
| Florida | 12 | 0.2% |
| Arkansas | 10 | 0.1% |
| Colorado | 9 | 0.1% |
| California | 6 | 0.1% |
| New Mexico | 6 | 0.1% |
| Utah | 5 | 0.1% |
| Alabama | 4 | 0.1% |
| Kansas | 4 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 1,626 |
| Tulsa | 902 |
| Dallas-Plano-Irving | 726 |
| Austin-Round Rock-San Marcos | 493 |
| Fort Worth-Arlington-Grapevine | 475 |
| Sherman-Denison | 235 |
| Lawton | 216 |
| San Antonio-New Braunfels | 198 |
| Houston-Pasadena-The Woodlands | 97 |
| Killeen-Temple | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DMHEHNYZ2OLB41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 509950 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34239 | 1999–2017 |
Established 9 August 1963. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First United Bank and Trust Company's data.
First United Bank and Trust Company's data
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