Applications / Mortgage Analytics / Lenders / Oklahoma / First Fidelity Bank
Oklahoma City, OK · State member bank · FRS · $2.9 billion assets · 116 loans in 2025
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116
loans originated, 2025
273
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Fidelity Bank, of Oklahoma City, OK, lends more in majority-minority neighborhoods than most banks of its size: 19.8% of its loans, against 5.2% at similar lenders.
Its majority-minority share was higher than at about four in five similar lenders, state member banks making between half and twice as many loans. Low- and moderate-income (LMI) neighborhoods took 22.1% of its loans, against 16.4% at peers. LMI borrowers took 33.3%, against 27.2%.
Refinances were 37.9% of its 116 loans and purchases 31.0%. Home-improvement and other-purpose loans made up most of the rest. Its typical loan, $125,000, is lower than at about five in six peers, whose typical loan is $175,000; those other loans, which may be smaller, are one possible reason.
In Oklahoma City, OK it ranks 115 of 534 lenders, with 0.2% of the market, up from 0.1%. First United Bank and Trust Company leads there. In Crestview-Fort Walton Beach-Destin, FL it also ranks 115th, of 606, after the same rise.
It made 116 loans in 2025, down 9%, while similar lenders grew 8%. Five years earlier it made 229. The sharpest fall came between 2022 and 2023, from 206 to 122. A lender whose biggest line is refinancing may make fewer loans when fewer owners refinance.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Fidelity Bank took 273 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.9% · Purchase 31.0% · Home improvement 16.4% · Other 14.7%
Conventional 100.0% · of 116 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 101 | 87.1% |
| Arizona | 6 | 5.2% |
| Colorado | 3 | 2.6% |
| Florida | 2 | 1.7% |
| Arkansas | 1 | 0.9% |
| Idaho | 1 | 0.9% |
| Nevada | 1 | 0.9% |
| Utah | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 91 |
| Tulsa | 5 |
| Tucson | 3 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Denver-Aurora-Centennial | 2 |
| Enid | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Fayetteville-Springdale-Rogers | 1 |
| Fort Collins-Loveland | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZL6THC5R7VUP98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 106359 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117045 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2106359 | 2016–2017 |
Established 1 July 1981. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Fidelity Bank's data.
First Fidelity Bank's data
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First Fidelity Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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