First National Bank and Trust Company of Ardmore
First National Bank and Trust Company of Ardmore received 165 applications in 2025 and made 136 mortgages, in 19 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 149 decisions, 9 were denials — 6.0%, most often for credit history.
| Legal Entity Identifier | 54930080KJR5G1HZVI89 |
|---|---|
| Applications received | 165 |
| Mortgages made | 136 |
| Denied | 9 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank and Trust Company of Ardmore, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 65 | Not published | $145,000 | 4.2% |
| Refinancing | 38 | Not published | $120,000 | 2.6% |
| Other purposes | 33 | Not published | $85,000 | 13.2% |
Where First National Bank and Trust Company of Ardmore lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Carter County, OK | 49 | Not published | 7.1% |
| Stephens County, OK | 21 | Not published | 0.0% |
| Murray County, OK | 16 | Not published | 0.0% |
| Oklahoma County, OK | 11 | Not published | 8.3% |
| Marshall County, OK | 10 | Not published | 9.1% |
| Love County, OK | 6 | Under 10 loans | 14.3% |
| Garvin County, OK | 5 | Under 10 loans | 0.0% |
| Logan County, OK | 5 | Under 10 loans | 0.0% |
| Canadian County, OK | 3 | Under 10 loans | 0.0% |
| Cleveland County, OK | 2 | Under 10 loans | 0.0% |
| Grady County, OK | 2 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Bryan County, OK | 1 | Under 10 loans | 50.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Pontotoc County, OK | 1 | Under 10 loans | 0.0% |
| Jefferson County, OK | 0 | Under 10 loans | 100.0% |
| Cooke County, TX | 0 | Under 10 loans | 0.0% |
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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.