First United Bank and Trust Company mortgage approval rate & lending review
First United Bank and Trust Company decided 13,937 mortgage applications and funded 12,995 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First United Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First United Bank and Trust Company at a glance
Approval is 9.8 points above the 84.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 9,493 / 9,876 | 99% | $315K | 9,396 |
| Home improvement loans | 79% | 368 / 464 | 95% | $75K | 351 |
| Cash-out refinance | 88% | 311 / 352 | 99% | $255K | 308 |
| Refinance | 88% | 851 / 971 | 97% | $275K | 828 |
| Investment property purchase | 97% | 1,758 / 1,805 | 97% | $185K | 1,704 |
| Investment cash-out refinance | 85% | 58 / 68 | 98% | $235K | 57 |
| Investment refinance | 91% | 266 / 292 | 98% | $155K | 260 |
| Investment home improvement | 93% | 101 / 109 | 90% | $105K | 91 |
First United Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 95% | $435K | 7,377 | 6,877 |
| Oklahoma | 95% | $245K | 6,274 | 5,855 |
| Florida | 87% | $335K | 39 | 34 |
| Colorado | 100% | $355K | 25 | 25 |
| Arkansas | 100% | $375K | 24 | 23 |
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 United Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tulsa County, OK | Mortgage lenders | 96% | 1,337 | 1,280 |
| Oklahoma County, OK | Mortgage lenders | 94% | 1,177 | 1,097 |
| Travis County, TX | Mortgage lenders | 97% | 898 | 869 |
| Cleveland County, OK | Mortgage lenders | 96% | 900 | 855 |
| Tarrant County, TX | Mortgage lenders | 96% | 705 | 668 |
| Comanche County, OK | Mortgage lenders | 98% | 561 | 546 |
| Dallas County, TX | Mortgage lenders | 94% | 577 | 538 |
| Denton County, TX | Mortgage lenders | 96% | 449 | 426 |
| Canadian County, OK | Mortgage lenders | 96% | 434 | 411 |
| Collin County, TX | Mortgage lenders | 97% | 411 | 394 |
| Williamson County, TX | Mortgage lenders | 98% | 305 | 295 |
| Grayson County, TX | Mortgage lenders | 95% | 311 | 289 |
The county markets where First United Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about First United Bank and Trust Company
What is First United Bank and Trust Company's mortgage approval rate?
First United Bank and Trust Company approved 94.8% of the 13,937 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan First United Bank and Trust Company offers?
Borrowers accepted 98% of the loans First United Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First United Bank and Trust Company make?
The typical home purchase mortgage loan First United Bank and Trust Company made was $315K; across all loan types its typical loan ran from $75K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First United Bank and Trust Company lend?
First United Bank and Trust Company decided applications in 39 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and Florida.
Can I apply to First United Bank and Trust Company directly?
Yes. First United Bank and Trust Company is a bank or credit union with 92 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First United 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 United Bank and Trust Company treats applications, then get a rate quote from the lender.