First Fidelity Bank Mortgage Rates, Fees & Info
Oklahoma City, OKLEI: 549300ZL6THC5R7VUP98
Tax ID: 73-1100200
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First Fidelity Bank is a smaller bank specializing in Home Purchase and Refi loans. First Fidelity Bank has a high proportion of conventional loans. Their top markets by origination volume include: Phoenix, Oklahoma City, Flagstaff, Crestview, and Heber among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)First Fidelity Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
120Origination Dollar Volume (All Markets)
$33,950,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 15 | $11,595,000 | $773,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 76 | $9,360,000 | $123,158 | $0 | 0.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 5 | $3,605,000 | $721,000 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $2,805,000 | $311,667 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,565,000 | $1,565,000 | $0 | 0.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 0.00% |
| McAlester, OK (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Bartlesville, OK (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against First Fidelity Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 120 | $33,950,000 | $282,917 | $0 | 0.00% |
For 2023, First Fidelity Bank's most frequently originated type of loan was Conventional, with 120 originations.
Loan Reason
For 2023, First Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 45 originations. The 2nd most popular reason was Refi, with 37 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 120 | $33,950,000 | $282,917 | $0 | 0.00% |
For 2023, First Fidelity Bank's most frequently cited loan duration was Other, with 120 originations.
Loan Sizing
2023 saw First Fidelity Bank place emphasis on $100,000 or less loans with 61 originations, totaling $3,025,000 in origination value.
Applicant Income
First Fidelity Bank lent most frequently to those with incomes in the $50k or less range, with 21 originations. The second most popular income band? $100k-150k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 120 | $33,950,000 | $282,917 | $0 | 0.00% |
First Fidelity Bank lent most frequently to those with DTI ratios of Exempt%, with 120 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications61.11%
First Fidelity Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination62.50%
First Fidelity Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 120 | $33,950,000 | $282,917 |