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We have money to lend! See one of our Loan Officers for all your borrowing needs at one of our convenient Banking Centers, or you can start now – just fill out the appropriate Loan Application below! You can get the latest rate information by contacting our Call Center or local Banking Center.

If you need help with your application or have any questions, please feel free to Contact Us by email or phone.

Auto, Boat, R.V., & Motorcycle Loans

Click here to apply online for an Auto Loan!

  • Credit is based on credit history, income, debt ratio, down payment, and banking relationship with First Bank & Trust Co.
  • Rates vary.
  • Loan terms vary according to year and model.

Personal Loans

Personal Loans can be used for almost any reason – vacations, medical expenses, holiday shopping, taxes, etc. Don’t get trapped in a high interest rate payday loan – borrow from people you know and save!

Click here to apply online for a Personal Loan!

Mortgage Loans

Click here to apply online for a Mortgage Loan!

First Mortgage Primary Residence Loan
  • Purchase of a new home.
  • Refinance home.
Additional or Secondary Mortgage
  • Sometimes called a “Home Equity Loan.”
  • Can be made for any purpose.
  • We can handle your construction to permanent financing under one roof.

Fixed Rate Mortgage Loans

Click here to apply online for a Fixed Rate Mortgage Loan!

Conventional Loans
  • Low down payments
  • Seller can pay most or all of closing cost, depending on loan size.
FHA Loans
  • Minimal down payments. 
  • Allows for seller to pay most or all of closing cost, depending on loan size.
VA Loans
  • Ask us about 0% down options on the purchase price/property value.
  • No monthly mortgage insurance required.
Rural Development Loans
  • Ask us about 0% down options!
  • This program is an excellent option for properties in small and rural communities.
First Time Home Buyers
  • Programs to aid in down payment and closing costs.
Did You Know?
Interest on real estate secured loans could be tax deductible. Please consult your tax advisor for more information.

Mortgage Loan Error Resolution Contact Information:

First Bank & Trust Co.
923 W Main
Duncan, OK 73533

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Personal Checking

All four checking accounts include FREE- debit cards, E-Statements, mobile banking, and unlimited transactions!