We’re here to help. Lets talk.

Whether you’re a first-time homebuyer or an existing homeowner looking to refinance or build a new home, FNB has the solution for your specific goal.

Our lending options include:

  • Home Purchase
  • Construction
  • Refinancing
  • Land, Rental, or Commercial Property
  • Home Equity
  • Long-Term Fixed Rate

Ready to Apply?

Apply online or apply in person at any of our FNB locations.

Mortgage Loan / Home Equity Loan Application

Contact a Mortgage Expert!


Teresa Lee
Vice President
NMLS #500028

Matthew Martin
Assistant Vice President
NMLS #1609425


Keith Estes
Henryetta Market President
NMLS # 500022

Shawn Okerson
Loan Officer
NMLS # 1781677


Tammy Drawbaugh
Vice President & Wewoka Branch Manager
NMLS # 1286421


Why Choose First National Bank and Trust?

Today there is a lot of competition in both real estate and consumer lending.  First National Bank & Trust provides that personal touch for the client who prefers a one-on-one relationship with their banker. Having a relationship with a loan officer in your community that can answer your questions or help with problems is more valuable now than ever.  Our fast service and low closing costs are the foundation for all our mortgage loan products.