Personal Lending

Whether you are considering buying a home, refinancing your current home, paying for college expenses, financing the purchase of a vehicle, or taking a dream vacation, First National Bank & Trust Co. has competitive consumer loan rates and terms that can help you achieve your financial goals.

Consumer Loans


Interested in obtaining a consumer loan? Fill out our Loan Application.

Would you like to calculate a loan payment? Click here.

Contact one of our Banking Professionals


Larry Briggs

  Larry Briggs; (405) 275-8830

Randy Waters

  Randy Waters; (405) 275-8830

Jim Kirby   Jim Kirby; (405) 275-8830
Renah   Renah Coffman; (405) 275-8830 
KaylaWoody   Kayla Woody; Loan Assistant 



 Drew Addams   Drew Adams; (405) 379-3902 
Pam Venable   Pam Venable; Loan Assistant 



Rafael Santos   Rafael Santos; (580) 536-8800



Dale Clayton  Dale Clayton; (580) 782-3365 or (580) 535-4848
Whitney Snow  Whitney Snow; Loan Assistant


Mortgage Lending


Whether you are buying your first home, moving into something larger, building your dream home or refinancing your mortgage, First National Bank & Trust Co. can help make your family’s dreams come true. We’re committed to giving you the personal attention you deserve with the professional service you need.

Contact our Mortgage Lending Professional

Jeff Scroggins

Jeff Scroggins; 405-275-8830

Rachel Vallandingham

Rachel Vallandingham; 405-275-8830


Types of Mortgages

With a streamlined approval process and competitive rates, First National Bank & Trust Co. makes it easy to find the right kind of mortgage to fit you and your family’s needs. Our dedicated experts are focused on personalized, confidential customer service to help you open the door to a new home and a new future.

Apply for a Mortgage Loan


  • Financing options available for primary residence, second homes and investment property.
  • Purchases, rate-term & cash-out refinance transactions are permitted
  • Jumbo programs available for loans above $417,000



  • No down payment available. Loan amount may be up to appraised value plus the USDA guaranty fee of 2%, which can be financed.
  • Reduced monthly mortgage insurance fee
  • Available for primary residences only
  • No limit on seller concessions
  • Property and income restrictions apply



  • Available for Native American Tribal members.
  • A lower down payment requirement with a reduced monthly mortgage insurance fee. Guaranty fee to HUD is 1.5% of the loan amount and can be financed.
  • Seller concessions permitted up to 6% of the sales price.
  • Available for Primary Residences.
  • Purchase, rate-term & cash-out refinance loans are available for this product.



  • Low down payment available.
  • Seller concessions are permitted up to 6% of the sales price.
  • Loans are available for your Primary Residence.
  • Purchase, rate-term and cash-out refinances are permitted.
  • Up front MIP (Mortgage Insurance Premium) can be financed.



  • Available to all eligible Veterans
  • Generally, no down payment required (VA funding fee can be added to the loan amount)
  • Seller concessions are permitted up to 4% of the sales price
  • Purchase and refinance loans are eligible for this program.



  • FNB offers short-term financing to cover the cost of new home construction. If you plan to build your new home, let our professional construction and permanent mortgage lenders work with you to build a lending plan to match those dreams.
  • If you are seeking a loan to help build your home, we can help with our bank lenders and mortgage lenders working together to create a lending program to meet your needs.
  • Whatever your home financing needs, we are ready to help with a broad range of programs, money-saving options and personalized service.


Apply for a Mortgage Loan


Frequently Asked Questions


How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. First National Bank and Trust can help you evaluate your choices and help you make the most appropriate decision.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed
  • Interest: Payment to the lender for the amount borrowed
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes.

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house
  • Down Payment: A percentage of the cost of the home that is due at settlement
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

What documentation will I need to be prepared to provide to First National Bank & Trust Co.?

  • Copy of Driver’s License & Social Security Card &/ or Tribal Enrollment Card (if applicable)
  • Residence addresses – past 2 years (including landlord’s name, address & phone#)
  • Name & addresses of each employer in the past 2 years.
  • Recent pay stubs covering 30 days
  • W-2’s for the previous 2 years
  • Most recent 2 months bank statements, investment acct. & retirement accounts.
  • Last 2 yrs Federal Tax Returns (personal & corporate. YTD P&L along with balance sheet)
  • VA only – Certificate of Eligibility
  • VA only – DD 214
  • VA Active Duty – Statement of Service


Click Herefor Prequalification Calculator

Click Here for Mortgage Application

Click Here to Calculate How Much You Can Afford

Click Here to Calculate How Much You Can Borrow

Click Here to Calculate 15 Year versus 30 Year Mortgage

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