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 score and performance metrics.

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 an overall pricing score of 36.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

First United Bank and Trust Company is a Bank headquartered in Durant, OK.

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First United Bank and Trust Company

Bank•Durant, OKHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First United Bank and Trust Company — 4.9k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Exceptional

5/5

Near-National · 10 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First United Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+40.4 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 11 markets

Exceptional

Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	3,063	62.7%	+0.376%Above	$2,030Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,008	20.6%	+0.713%Above	$2,459Fees
VA Loans	Strong	Exceptional	Sound	Strong	529	10.8%	-0.137%Below	$1,814Fees
Jumbo Loans	Sound	Exceptional	Acceptable	Sound	243	5.0%	+0.556%Above	$1,857Fees
USDA Loans	Strong	Exceptional	Strong	Strong	39	0.8%	+0.358%Above	$1,789Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,063

Mix62.7%

Spread

+0.376%Above

Fees

$2,030Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,008

Mix20.6%

Spread

+0.713%Above

Fees

$2,459Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume529

Mix10.8%

Spread

-0.137%Below

Fees

$1,814Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume243

Mix5.0%

Spread

+0.556%Above

Fees

$1,857Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume39

Mix0.8%

Spread

+0.358%Above

Fees

$1,789Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	4,501	92.2%	+0.389%Above	$2,047Fees
Refinance	Sound	Strong	Mediocre	Sound	381	7.8%	+0.570%Above	$2,565Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,501

Mix92.2%

Spread

+0.389%Above

Fees

$2,047Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume381

Mix7.8%

Spread

+0.570%Above

Fees

$2,565Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,882

Applications

7,158

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.404%

vs. market APOR

Avg Net Fees

$2,090

Origination − Credits

Pullthrough Rate

68.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$381,340

Avg Borrower Income

$174,529

Avg Property Value

$500,483

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

Northeast5

CTMEMANJPA

Midwest8

ILKSMNMONEOHSDWI

South14

ALARDEFLGAKYLAMDMSNCOKSCTNTX

West8

AZCACONMNVORUTWA

Top Metro Areas by Place Specialization Score

Oklahoma City, OKMetro

Volume 1,087Mix 22.27% of portfolio

100/100

Exceptional

Lawton, OKMetro

Volume 166Mix 3.40% of portfolio

96/100

Exceptional

Sherman, TXMetro

Volume 123Mix 2.52% of portfolio

96/100

Exceptional

Tulsa, OKMetro

Volume 670Mix 13.72% of portfolio

89/100

Exceptional

Austin, TXMetro

Volume 525Mix 10.75% of portfolio

88/100

Exceptional

Fort Worth, TXMetro

Volume 430Mix 8.81% of portfolio

85/100

Exceptional

Dallas, TXMetro

Volume 584Mix 11.96% of portfolio

82/100

Exceptional

San Antonio, TXMetro

Volume 169Mix 3.46% of portfolio

68/100

Strong

Houston, TXMetro

Volume 161Mix 3.30% of portfolio

65/100

Strong

Killeen, TXMetro

Volume 16Mix 0.33% of portfolio

46/100

Sound

Top States by Place Specialization Score

OklahomaState

Volume 2,541Mix 52.05% of portfolio

99/100

Exceptional

TexasState

Volume 2,233Mix 45.74% of portfolio

87/100

Exceptional

ArkansasState

Volume 15Mix 0.31% of portfolio

42/100

Sound

ColoradoState

Volume 15Mix 0.31% of portfolio

39/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.