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First United Bank and Trust Co in Oklahoma

HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview

LEI 549300DMHEHNYZ2OLB41
Reporting agency Consumer Financial Protection Bureau
State Oklahoma

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Oklahoma, First United Bank and Trust Co reported 5,479 applications and 3,921 originations for 2024, $877m in all.

Its denial rate in the state was 7.5%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 7.4%.

The median rate spread on its Oklahoma originations was 0.5 percentage points (state median 0.5).

Applications in the state were about level with 2023.

5,479applications in OK, 202453.0% of the lender's total
3,921loans originated$877m
7.5%denial rateOK all lenders 23.4%
0.5 ppmedian rate spreadOK 0.5 pp

Compared with the state and the lender's national record

MeasureIn OklahomaOklahoma, all lendersFirst United Bank and Trust Co, all statesUnited States
Denial rate7.5%23.4%7.4%24.3%
Median rate spread, pp0.50.50.40.3
Originations with spread of 1.5 pp or more12.8%17.5%9.2%15.6%
Average originated loan$224k$223k$356k$329k
Home purchase share72.7%63.6%75.2%57.0%
FHA-insured share20.4%17.1%14.1%13.4%
VA-guaranteed share9.3%11.9%7.5%7.9%

Trend by year

ApplicationsOriginations

03,4096,8182022: 6,818 Applications2023: 5,667 Applications2024: 5,479 Applications2022: 4,960 Originations2023: 3,855 Originations2024: 3,921 Originations202220232024
First United Bank and Trust Co in Oklahoma: applications and originations, 2022–2024

This lender in stateOklahoma, all lenders

0%12.1%24.1%2022: 8.3% This lender in state2023: 9.1% This lender in state2024: 7.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Oklahoma

By purpose

Home purchase 73% (2,851)Home improvement 5% (188)Refinancing 10% (397)Cash-out refinancing 2% (93)Other purpose 10% (392)

By type

Conventional 69% (2,722)FHA 20% (798)VA 9% (363)USDA 1% (38)

Denial reasons as coded

Debt-to-income ratio53.2%
Credit history26.5%
Collateral7.1%
Credit application incomplete6.2%
Other2.5%
Insufficient cash (downpayment, closing costs)2.2%
Employment history1.8%
Unverifiable information0.6%
Mortgage insurance denied0%

Share of 325 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).

Counties in Oklahoma

CountyApplicationsOriginationsAmountDenial rate
Oklahoma County953666$152m7.6%
Tulsa County755562$154m7.1%
Cleveland County724542$123m7.4%
Bryan County420299$51m10.1%
Pottawatomie County367261$46m5.9%
Canadian County307236$58m5.9%
Comanche County245186$41m2.6%
McClain County204149$37m8.9%
Pontotoc County147104$16m2.7%
Marshall County140103$19m6.1%
Rogers County12393$26m6.0%
Grady County9169$16m5.5%
Creek County9258$11m13.4%
Seminole County7948$6.0m16.9%
Wagoner County7048$15m0.0%
Pittsburg County7246$7.7m16.1%
Garvin County7245$6.5m11.3%
Logan County5240$13m7.0%
Carter County4532$4.8m0.0%
Lincoln County4528$4.8m9.7%
Choctaw County4625$4.6m23.5%
Hughes County3722$2.7m12.0%
Johnston County3220$4.5m11.1%
Osage County3116$5.0m—
Murray County2716$2.5m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did First United Bank and Trust Co originate in Oklahoma in 2024?

3,921 loans totalling $877m, from 5,479 applications reported for properties in Oklahoma.

What is First United Bank and Trust Co's denial rate in Oklahoma?

7.5% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 7.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Oklahoma counties does First United Bank and Trust Co lend in most?

By originations: Oklahoma County (666), Tulsa County (562), Cleveland County (542), Bryan County (299), Pottawatomie County (261).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.