Applications / Mortgage Analytics / Lenders / Oklahoma / First Bank & Trust Company, Perry, Oklahoma
Perry, OK · State non-member bank · FDIC · $245 million assets · 55 loans in 2025
First Bank & Trust Company, Perry, Oklahoma's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
55
loans originated, 2025
81
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank & Trust Company, Perry, Oklahoma makes small loans, many of them on manufactured homes or for home improvement, and its lending has held steady for years.
Its typical loan was $85,000, about half the $165,000 at similar lenders (state non-member banks making between half and twice as many loans), and among the lowest tenth of them. The kind of lending it does may explain much of the gap. Manufactured homes made up 16.4% of its loans, against 2.7% at its peers. Home improvement took 23.6% and other purposes 12.7%, so more than a third of its loans were not for buying or refinancing a house.
It made 55 loans in 2025, the same as in 2024. Similar lenders grew by 7% and the whole market by 10%. Its lending has stayed in a narrow band since 2018. It filed no report for 2020 to 2022, which leaves a gap in the record, not a pause in lending.
Low- and moderate-income (LMI) borrowers took 30.4% of its loans, up from 17.1% and near the middle of its peers. Its lending in LMI neighborhoods was lower, at 12.7%, below about two-thirds of similar lenders. It lends in 11 Oklahoma counties, which may hold fewer such neighborhoods than its peers' markets.
In Enid it ranked 26 of 114 lenders, and its share of the market's dollars slipped to 0.8% from 1.0%. Shares are counted in dollars, so a lender of small loans ranks lower than its number of loans would suggest.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Bank & Trust Company, Perry, Oklahoma took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.5% · Home improvement 23.6% · Refinance 18.2% · Other 12.7%
Conventional 100.0% · of 55 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 | 55 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Enid | 11 |
| Tulsa | 10 |
| Oklahoma City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RPDWEFBGPJPW67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 640956 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313946 | 2002–2017 |
Established 21 February 1934. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: First Bank & Trust Company, Perry, Oklahoma's data.
First Bank & Trust Company, Perry, Oklahoma's data
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First Bank & Trust Company, Perry, Oklahoma 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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