First Fidelity Bank mortgage approval rate & lending review
First Fidelity Bank decided 502 mortgage applications and funded 239 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Fidelity Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Fidelity Bank at a glance
Approval is 21.6 points below the 76.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 42% | 47 / 112 | 87% | $155K | 41 |
| Home improvement loans | 31% | 37 / 120 | 86% | $35K | 32 |
| Refinance | 59% | 81 / 137 | 83% | $65K | 67 |
| Investment property purchase | 81% | 61 / 75 | 85% | $195K | 52 |
| Investment refinance | 92% | 33 / 36 | 97% | $125K | 32 |
First Fidelity Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Fidelity Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Refinance | 60% | 68 | 36 |
| Cleveland County, OK | Refinance | 50% | 46 | 19 |
| Oklahoma County, OK | Investment property purchase | 76% | 29 | 17 |
| Cleveland County, OK | Home improvement loans | 45% | 38 | 14 |
| Oklahoma County, OK | Home improvement loans | 24% | 58 | 13 |
The county markets where First Fidelity Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Fidelity Bank
What is First Fidelity Bank's mortgage approval rate?
First Fidelity Bank approved 54.8% of the 502 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.6 points below the 76.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Fidelity Bank offers?
Borrowers accepted 87% of the loans First Fidelity Bank approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Fidelity Bank make?
The typical mortgage refinance loan First Fidelity Bank made was $65K; across all loan types its typical loan ran from $35K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Fidelity Bank lend?
First Fidelity Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Oklahoma, Arizona and Colorado.
Can I apply to First Fidelity Bank directly?
Yes. First Fidelity Bank is a bank or credit union with 38 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Fidelity Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Fidelity Bank treats applications, then get a rate quote from the lender.