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 Refi and Home Purchase loans. First Fidelity Bank has a high proportion of conventional loans. Their top markets by origination volume include: Phoenix, Oklahoma City, Los Angeles, Safford, and Flagstaff among others. We have data for 16 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
206Origination Dollar Volume (All Markets)
$62,180,000Top 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) | 20 | $28,330,000 | $1,416,500 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 153 | $18,885,000 | $123,431 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $3,820,000 | $1,910,000 | $0 | 0.00% |
| Safford, AZ (FHA|USDA|VA) | 1 | $3,155,000 | $3,155,000 | $0 | 0.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $1,855,000 | $618,333 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $1,270,000 | $158,750 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $0 | 0.00% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $0 | 0.00% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $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 | 206 | $62,180,000 | $301,845 | $0 | 0.00% |
For 2022, First Fidelity Bank's most frequently originated type of loan was Conventional, with 206 originations.
Loan Reason
For 2022, First Fidelity Bank's most frequently cited loan purpose was Refi, with 102 originations. The 2nd most popular reason was Home Purchase, with 48 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 206 | $62,180,000 | $301,845 | $0 | 0.00% |
For 2022, First Fidelity Bank's most frequently cited loan duration was Other, with 206 originations.
Loan Sizing
2022 saw First Fidelity Bank place emphasis on $100,000 or less loans with 107 originations, totaling $5,685,000 in origination value.
Applicant Income
First Fidelity Bank lent most frequently to those with incomes in the $50k or less range, with 33 originations. The second most popular income band? $50k-75k, with 30 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 206 | $62,180,000 | $301,845 | $0 | 0.00% |
First Fidelity Bank lent most frequently to those with DTI ratios of Exempt%, with 206 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications64.23%
First Fidelity Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination71.84%
First Fidelity Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 206 | $62,180,000 | $301,845 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |