# First United Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/first-united-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First United Bank and Trust Company is a bank, headquartered in Durant, OK, serving borrowers across 35 states, with 4,882 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300DMHEHNYZ2OLB41
- **Headquarters:** Durant, OK
- **Geographic Reach:** Near-National
- **States Served:** 35
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, KS, KY, LA, MA, MD, ME, MN, MO, MS, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.404%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,090
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,882
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 7,158
- **Market Share:** 14.00%

## Typical Borrower Profile

- **Average Loan Amount:** $381,340
- **Average Borrower Income:** $174,529
- **Average Property Value:** $500,483

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 3,063 | +0.376% | $2,030 | Exceptional 🤩 |
| FHA | 85/100 | 1,008 | +0.713% | $2,459 | Exceptional 🤩 |
| VA | 84/100 | 529 | -0.137% | $1,814 | Exceptional 🤩 |
| Jumbo | 85/100 | 243 | +0.556% | $1,857 | Exceptional 🤩 |
| USDA | 81/100 | 39 | +0.358% | $1,789 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,756 loans, Score: 85/100 (Exceptional)
- Refinance: 307 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 970 loans, Score: 85/100 (Exceptional)
- Refinance: 38 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 509 loans, Score: 84/100 (Exceptional)
- Refinance: 20 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 227 loans, Score: 86/100 (Exceptional)

**USDA:**
- Purchase: 39 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 4,501 | $1.7B | +0.389% | Exceptional 🤩 |
| Refinance | 78/100 | 381 | $125M | +0.570% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 2,541 | 6.16% | 99/100 |
| TX | 2,233 | 0.64% | 87/100 |
| AR | 15 | 0.05% | 42/100 |
| CO | 15 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 1,087 | 100/100 |
| Non |  | 815 | 75/100 |
| Tulsa, OK | OK | 670 | 89/100 |
| Dallas | TX | 584 | 82/100 |
| Austin | TX | 525 | 88/100 |
| Fort Worth | TX | 430 | 85/100 |
| San Antonio | TX | 169 | 68/100 |
| Lawton, OK | OK | 166 | 96/100 |
| Houston | TX | 161 | 65/100 |
| Sherman | TX | 123 | 96/100 |
| Killeen | TX | 16 | 46/100 |

## Where This Lender Ranks

First United Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Tulsa, OK for USDA Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Tulsa, OK for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in San Antonio for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lawton, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Lawton, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Lawton, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Sherman for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Oklahoma for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Oklahoma City, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Tulsa, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Austin for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lawton, OK Banks
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks)
- 🥈 **#2** in Sherman for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Oklahoma for USDA Loans
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Dallas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Fort Worth for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Lawton, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Lawton, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Sherman Banks
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First United Bank and Trust Company offer?

First United Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First United Bank and Trust Company offer mortgages?

First United Bank and Trust Company offers mortgages in 35 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, KS, KY, LA, MA, MD, ME, MN, MO, MS, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI.

### How competitive are First United Bank and Trust Company's mortgage rates?

First United Bank and Trust Company has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.404% above market average.

### What type of lender is First United Bank and Trust Company?

First United Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Durant, OK.

### What is First United Bank and Trust Company's loan approval success rate?

First United Bank and Trust Company has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-united-bank-and-trust

### How to Cite

> "First United Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-united-bank-and-trust

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