Applications / Mortgage Analytics / Lenders / Oklahoma / First Bank & Trust Company
Duncan, OK · State non-member bank · FDIC · $948 million assets · 240 loans in 2025
First Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
240
loans originated, 2025
327
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank & Trust Company makes small loans, smaller than at almost all similar lenders, and many of them on manufactured homes.
Its typical loan was $75,000, against $175,000 at similar lenders (banks of the same type making between half and twice as many loans). Manufactured homes made up 15.0% of its loans, against 2.6%, higher than at more than eight in ten similar lenders. Home-improvement loans took another 10.8%. Such loans may account for part of the gap in size.
It made 240 loans, 15% fewer than in 2024, while similar lenders grew 9%. Nearly nine in ten of them grew faster. The decline is a long one: it made 473 loans in 2018.
Its largest market is non-metro Oklahoma, where it has lent since 2004 and ranks 31st of 538 lenders. In Oklahoma City its share fell to 0.1% from 0.3%; First United Bank and Trust Company leads there. The fall may partly reflect its smaller overall volume. Its small loans also mean that a share counted in dollars understates how many borrowers it serves.
Low- and moderate-income (LMI) borrowers received 28.4% of its loans and LMI neighborhoods 18.9%. Both are close to the shares at similar lenders, 28.1% and 17.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank & Trust Company took 327 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.9% · Purchase 31.7% · Home improvement 10.8% · Other 9.6%
Conventional 100.0% · of 240 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 | 235 | 97.9% |
| Texas | 4 | 1.7% |
| California | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 55 |
| Dallas-Plano-Irving | 2 |
| Killeen-Temple | 2 |
| Lawton | 2 |
| Los Angeles-Long Beach-Glendale | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H6C1OV8E3V1P15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1228034 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327394 | 2004–2017 |
Established 8 December 1988. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Bank & Trust Company's data.
First Bank & Trust Company's data
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First Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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