First Security Bank and Trust Company mortgage approval rate & lending review
First Security Bank and Trust Company decided 482 mortgage applications and funded 474 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Security Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Security Bank and Trust Company at a glance
Approval is 11.9 points above the 86.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 98% | 434 / 441 | 100% | $125K | 434 |
| Investment cash-out refinance | 100% | 31 / 31 | 100% | $125K | 31 |
First Security Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 98% | $125K | 480 | 472 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Security Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Investment property purchase | 98% | 392 | 386 |
| Oklahoma County, OK | Investment cash-out refinance | 100% | 26 | 26 |
| Cleveland County, OK | Investment property purchase | 96% | 24 | 23 |
The county markets where First Security Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about First Security Bank and Trust Company
What is First Security Bank and Trust Company's mortgage approval rate?
First Security Bank and Trust Company approved 98.3% of the 482 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 86.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Security Bank and Trust Company offers?
Borrowers accepted 100% of the loans First Security Bank and Trust Company approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Security Bank and Trust Company make?
The typical investment property mortgage loan First Security Bank and Trust Company made was $125K; across all loan types its typical loan ran from $125K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Security Bank and Trust Company lend?
First Security Bank and Trust Company decided applications in 3 of the states Fat Boy Data covers, most of them in Oklahoma, Arkansas and California.
Can I apply to First Security Bank and Trust Company directly?
Yes. First Security Bank and Trust Company is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Security Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Security Bank and Trust Company treats applications, then get a rate quote from the lender.