FIRSTOAK BANK
FIRSTOAK BANK received 57 applications in 2025 and made 37 mortgages, in 17 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 49 decisions, 11 were denials — 22.5%. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300NZI0KZUW6HBT60 |
|---|---|
| Applications received | 57 |
| Mortgages made | 37 |
| Denied | 11 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: FirstOak Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 22 | Not published | $220,000 | 14.8% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 30.0% |
Where FIRSTOAK BANK lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, KS | 13 | Not published | 17.7% |
| Pueblo County, CO | 6 | Under 10 loans | 14.3% |
| Delaware County, OK | 4 | Under 10 loans | 0.0% |
| Wilson County, KS | 3 | Under 10 loans | 40.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Rio Grande County, CO | 1 | Under 10 loans | 0.0% |
| Scotts Bluff County, NE | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Washington County, OK | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 50.0% |
| Weakley County, TN | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 0 | Under 10 loans | Not published |
| Butler County, KS | 0 | Under 10 loans | 100.0% |
| Sumner County, TN | 0 | Under 10 loans | 100.0% |
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When FIRSTOAK BANK’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.