First Fidelity Bank: SBA Lending Profile
First Fidelity Bank is a bank that funds the first-mortgage portion of SBA 504 projects, headquartered in Oklahoma City, OK. It is active in 8 states, concentrated around AZ, SD, NC. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes First Fidelity Bank actually approves
The median SBA approval at First Fidelity Bank is $630,625. The middle 80% of its loans fall between $204,300 and $1,978,400. The smallest approval on record since 2020 is $108,438 and the largest is $4,600,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| 504 first mortgage (third party) | 69 | $631K | n/a | 25 years |
| SBA 7(a) | 6 | $187K | 8.79% | 7 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Landscaping Services | 7 | 5.1% |
| Full-Service Restaurants | 7 | 5.1% |
| Offices of Lawyers | 6 | 4.4% |
| Limited-Service Restaurants | 5 | 3.6% |
| Plumbing, Heating, and Air-Conditioning Contractors | 4 | 2.9% |
| Other Building Finishing Contractors | 4 | 2.9% |
| Offices of Podiatrists | 3 | 2.2% |
| Offices of Mental Health Practitioners (except Physicians) | 3 | 2.2% |
| Other Concrete Product Manufacturing | 3 | 2.2% |
| Offices of All Other Miscellaneous Health Practitioners | 3 | 2.2% |
| Offices of Physicians (except Mental Health Specialists) | 3 | 2.2% |
| Site Preparation Contractors | 3 | 2.2% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, First Fidelity Bank reported 579 small business loan originations in 2024, totaling $152M, at an average of about $262K per loan across 14 states. 25.7% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- only 8.1% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 100% of its recent SBA loans.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by First Fidelity Bank.