First Bank & Trust Co.
First Bank & Trust Co. received 327 applications in 2025 and made 240 mortgages, in 31 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $75,000. Of 273 decisions, 33 were denials — 12.1%.
| Legal Entity Identifier | 549300H6C1OV8E3V1P15 |
|---|---|
| Applications received | 327 |
| Mortgages made | 240 |
| Denied | 33 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Bank & Trust Co., 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 76 | Not published | $120,000 | 11.6% |
| Refinancing | 115 | Not published | $85,000 | 8.7% |
| Other purposes | 49 | Not published | $35,000 | 19.7% |
Where First Bank & Trust Co. lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stephens County, OK | 64 | Not published | 13.5% |
| Carter County, OK | 61 | Not published | 3.2% |
| Lincoln County, OK | 28 | Not published | 15.2% |
| Oklahoma County, OK | 15 | Not published | 6.3% |
| Payne County, OK | 14 | Not published | 6.7% |
| Jefferson County, OK | 11 | Not published | 15.4% |
| Garvin County, OK | 8 | Under 10 loans | 38.5% |
| Murray County, OK | 5 | Under 10 loans | 0.0% |
| Cleveland County, OK | 4 | Under 10 loans | 20.0% |
| McClain County, OK | 4 | Under 10 loans | 42.9% |
| Bryan County, OK | 3 | Under 10 loans | 0.0% |
| Grady County, OK | 3 | Under 10 loans | 0.0% |
| Love County, OK | 3 | Under 10 loans | 25.0% |
| Marshall County, OK | 3 | Under 10 loans | 0.0% |
| Bell County, TX | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Canadian County, OK | 1 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 50.0% |
| Cotton County, OK | 1 | Under 10 loans | 0.0% |
| Creek County, OK | 1 | Under 10 loans | 50.0% |
| Johnston County, OK | 1 | Under 10 loans | 0.0% |
| McIntosh County, OK | 1 | Under 10 loans | 0.0% |
| Noble County, OK | 1 | Under 10 loans | 0.0% |
| Pontotoc County, OK | 1 | Under 10 loans | 0.0% |
| Pottawatomie County, OK | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Rockwall County, TX | 1 | Under 10 loans | 0.0% |
| Choctaw County, OK | 0 | Under 10 loans | Not published |
| Delaware County, OK | 0 | Under 10 loans | Not published |
| Kiowa County, OK | 0 | Under 10 loans | Not published |
| Tulsa County, OK | 0 | Under 10 loans | Not published |
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When First Bank & Trust Co.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.