The First State Bank wants to put the keys to your new home right in your hands! Our competitive mortgage loans are easy to apply for and offer a variety of terms to fit your needs. We will give you quick decisions so you don't have to wait long to get into your new home.

Looking to refinance? We can help you with that, too!

We offer a variety of mortgage loans, including FHA loans that have lower down payment requirements and may have more flexible underwriting guidelines. We also honor our military veterans with VA loans with no down payment and flexible underwriting guidelines. Contact any member of our Mortgage Team today!

  • We proudly offer the following loan products:
    • Conventional
    • FHA
    • VA
    • Jumbo
    • Rural Development
    • Native American 184
    • 1st and 2nd Mortgage Combo
    • Bridge Loans
    • Construction Loans
  • Free purchase pre-qualification available
  • Competitive low rates
  • Both short- and long-term loans available
  • No pre-payment penalty
  • Refinancing available
  • Experienced personal service
  • Streamlined on-time closings
  • Quick decisions made locally

Meet Our Lenders

robertFightmasterRobert Fightmaster
President Mortgage Lending
(NMLS #196551)
Have a question?

Robert Fightmaster joined The First State Bank in 2011, founding the mortgage division of the bank. With over 20 years mortgage lending experience in the Oklahoma City market, Robert specializes in construction lending and VA loans.

mattBrownMatt Brown
Vice President Mortgage Lending
(NMLS #908374)
Have a question?

Matt Brown started in the mortgage industry in 2001 and has been with The First State Bank since 2012. He originates loans nationwide and has developed an in-depth knowledge of loan programs including jumbo financing, conventional, FHA, and VA.

bradCookBrad Cook

Mortgage Loan Originator
(NMLS #1502553)
Have a question?

Brad Cook joined The First State Bank in 2016. He has over 10 years of mortgage lending experience in the OKC market. Brad specializes in FHA and VA loans.

timarra-hodges-newTimarra Hodges
Mortgage Loan Originator
(NMLS #474189)
Have a question?

Timarra Hodges joined The First State Bank with over 14 years’ experience in the mortgage industry. Her extensive and in-depth knowledge of the various loan products the Bank has to offer makes her the perfect partner her clients need in helping them achieve their dreams of home ownership.

scott-fugetScott Fuget
Mortgage Loan Originator
(NMLS #1683593)
Have a question?

Scott Fuget joined The First State Bank with over 21 years’ experience in the mortgage industry. His background as a mortgage loan originator, relations manager, and business development & asset-REO manager make him the perfect partner in your home-buying journey.

jeff-adamsonJeff Adamson
Mortgage Loan Originator
(NMLS #262372)
Have a question?

Jeff Adamson joined the mortgage team at The First State Bank with over 20 years’ experience in mortgage lending. He specializes in construction/perm and jumbo loans.

mikeGreshMike Gresh

AVP Tulsa Market Manager
(NMLS #408807)
Have a question?

Mike Gresh joined The First State Bank in 2015 and helped open the Bank's Tulsa mortgage loan office. He has over 38 years' management experience in the mortgage industry.

meranda-youngMeranda Young

Mortgage Loan Originator
(NMLS #492866)
Have a question?

Meranda Young joined The First State Bank with 13 years of experience in the mortgage industry. Her experience and in-depth knowledge of loan program including FHA, Conventional, VA and Jumbo loans is what makes her the perfect partner for clients who are looking a home loan.

Your satisfaction is the real reward, but we appreciate these too.