First Fidelity Bank

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First Fidelity Bank is a community bank based out of Oklahoma serving the greater southwestern US region. We offer a variety of personal and business products and services to fit your needs with physical locations in Oklahoma, Arizona, and Colorado.

First Fidelity Bank | Home Equity Loan

First Fidelity Bank’s Interest-Only HELOC is designed to provide the freedom and flexibility you need to take care of the things that matter most.

Important Information About Procedures for Applying for a Loan To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What This Means to You: When you open a new account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Before You Apply

Enter Mobile Number to Begin:

Please enter the six-digit code that was sent to your phone number.

Check Your Phone for a Private Verification Code.

Use your Home's Equity as Collateral

Interest-Only HELOC

The Interest-Only HELOC has a fixed 10-year term. The minimum monthly payment is only the interest earned on any funds you've used from the loan.

Tell us about the loan you are looking for.

"Buying Residence" means you have a current mortgage. "Owns Residence" means you own your home outright with no mortgage or liens.

This information will help us qualify you for the best possible rate.

Tell us about the property you’re using for this loan.

Please provide your property address.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s the property address?

The property use you selected (Investment Property) is not eligible via our online application. If you want to apply for an investment property loan, please contact us at (800) 299‑7047 or visit your local FFB branch for assistance.

Application Canceled

Please answer all of the following questions honestly and to the best of your knowledge. These declarations are required as part of your home equity loan application.

Declarations

By checking this box, you have read and agree to our <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.ffb.com/annual-privacy-notice">Privacy Policy</a> and <a target="_blank" rel="noopener noreferrer" href="https://www.ffb.com/assets/files/ZLtAn3zF/HELOC_Disclosures.pdf">Home Equity Application Disclosure</a>.

What is your legal name as it appears on your passport or other government-issued ID?

Tell us about yourself.

I’ve stayed at this address for the past two years.

Please verify your current physical home address. (No P.O. Boxes or Business addresses)

What’s your home address?

To continue processing your request, we need to collect additional information that isn’t available in the current application. Please contact us at (800)-299-7047 or visit your local branch for assistance.

Our team members are happy to assist you

Please Contact Us

Please provide your previous home address. *If you have lived at your current residence for more than two years, please return to the previous page and check the designated box above the "Next" button.

What’s your previous address?

Check if you would like to add a mailing address

We use this information to make sure your loan payments are manageable alongside your existing monthly bills.

Tell us about your current residence.

What’s your mailing address?

ID verification will be done securely with a third party and only takes a few minutes. This important step helps us secure your information and creates a more trusted platform for all our customers.

Let’s verify your identity.

We were unable to verify your identity now, but don’t worry, you can continue with your application! We may reach out to you for additional information later.

Have one of the following forms of ID ready:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul>

By clicking "Verify Me", you agree to our partner Plaid’s <a href="https://plaid.com/legal/#end-user-services-agreement-us" target="_blank">Terms of Service</a> and <a href="https://plaid.com/legal/#end-user-privacy-policy" target="_blank">Privacy Policy</a>.

Continue with ID verification.

We use income data solely to verify your eligibility for the loan request. This information will be stored securely and will never be shared with anyone else. Note: This is not the correct place to input spousal income. The next page is where you can add a joint applicant and will be prompted to fill out their income.

Let’s document your income next.

Government Monitoring Information Instructions: For each category below, you may select one or more designations for Sex, Ethnicity and Race. If you do not wish to provide some or all of the information below, select the applicable check box. Why is this information important? The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race and sex) in order to monitor our compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, ace and sex on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check the applicable boxes.

Let’s collect some demographic information.

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

Check if the joint applicant lives at the same address as you.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

They've stayed at the address for the past two years.

We use this information to verify your joint applicant. This information is always kept private and will never be shared.

What’s their home address?

What’s their previous address?

Check if they would like to add a mailing address

What is their current living arrangement?

What’s their mailing address?

Let’s verify your joint applicant’s identity.

We use income data solely to verify your eligibility for the loan request. This information will be stored securely and will never be shared with anyone else.

Let’s document their income next.

Government Monitoring InformationInstructions: For each category below, you may select one or more designations for Sex, Ethnicity and Race. If you do not wish to provide some or all of the information below, select the applicable check box. Why is this information important?The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race and sex) in order to monitor our compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, ace and sex on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check the applicable boxes.

Please apply for the products that you would like to add to your account. These products are voluntary. The purchase of any ancillary loan product below is not a requirement to obtain credit.

Protecting Your Payment Is Important!

Click the pencil icon in any section to go directly to that page to make any edits.

By clicking on the Submit Application button, I/we hereby apply for the loan or credit described in this application and authorize Lender to verify with other parties and make any investigation of my/our credit.

We’re about done. Does everything look right?

Please check your inbox for next steps regarding your loan application. Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you!