Lending Solutions

First National Bank of Oklahoma can tailor a personal bank loan to your budget and needs. We take pride in building a personal relationship with our customers and strive to assist you in financing options. When it’s time to explore financing options, trust our professionals to meet your needs. Contact us at one of our 4 branch locations to get started.

Home Mortgage

Whether you are building your dream home or buying a first home, we have the products and expertise you need. With over 50 years of experience, our lending staff will cater to you, making sure you get the best loan with the highest quality service.

  • Home purchase loans
  • Refinance or cash-out refinance loans
  • Construction loans
  • Other loan types:
    • Land/Lot Purchase
    • Bridge Loan to allow purchase of new home before selling existing home
    • Investment property/second home purchases or refinance

Home Loans

First National Bank of Oklahoma would like to welcome you to the Home Loan Department. We offer many types of products for the purchase, refinance or construction of new residences, second homes or investment properties.

A home is likely the most valuable asset you may have and the purchasing and refinancing process can be a frustrating experience. We want to help streamline the process with the assistance of a home loan specialist. We offer fast and easy pre-approvals before you begin shopping for a new home by contacting a home loan specialist. Contact us at one of our locations in Oklahoma City, Ponca City, Tonkawa or Tulsa  to get started.


There are many different types of home loan products available to fit your needs. We offer competitive rates and fees with a no fee lock-in rate protection up to 70 days. Longer locks are available. Different products available consist of:

  • Adjustable Rate Mortgage Loans
  • Fixed Rate Conventional Mortgage Loans
  • In-Bank Jumbo Loans

Contact us at one of our locations in Oklahoma City, Ponca City, Tonkawa or Tulsa to get started.

Consumer Loans

Auto Loans

Put yourself in the driver’s seat with a First National Bank of Oklahoma auto loan. Whether you’re shopping for a new or used car, motorcycle or more, we can make your next purchase much easier.

Consolidation Loans

Our lending staff has years of experience in assisting customers in restructuring/consolidating their debt. We take the time to understand your situation so we can have a positive impact on your financial future.

Recreation Loans

If you are purchasing an RV, boat, or other recreational item, First National Bank of Oklahoma can personalize the repayment plan to fit you.


The following links may be helpful:

  • Kay County Treasurer
  • Oklahoma County Assessor
  • Oklahoma County Treasurer