Fidelity Bank Mortgage Rates, Fees & Info

Wichita, KS

LEI: 549300L9MOPDT0NKE883

Tax ID: 48-0630879

5 stars - out of 5 stars, based on 51 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Fidelity Bank is a smaller bank specializing in Home Purchase and Refi loans. Fidelity Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Wichita, Kansas City, Oklahoma City, St. Louis, and Memphis among others. Fidelity Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Fidelity Bank is typically a low fee lendor.


Originations

2,551

Origination Dollar Volume (All Markets)

$621,445,000

Employee count

529 Show all (7) awards

Relative Rate

Fidelity Bank's average 30 year fixed rate mortgage of loans were 3.06%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.09%.

Relative Fees

Fidelity Bank's average total fees for a 30 year fixed rate mortgage are $3,174.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
WICHITA, KS (FHA|USDA|VA) 1,180 $253,610,000 $214,924 $2,916 2.96%
KANSAS CITY, MO-KS (FHA|USDA|VA) 548 $155,940,000 $284,562 $2,718 2.99%
OKLAHOMA CITY, OK (FHA|USDA|VA) 149 $43,885,000 $294,530 $2,665 3.73%
Outside of Metro Areas 59 $11,205,000 $189,915 $3,196 2.89%
ST. LOUIS, MO-IL (FHA|USDA|VA) 42 $9,380,000 $223,333 $2,658 2.83%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 38 $8,300,000 $218,421 $2,330 2.72%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 25 $8,055,000 $322,200 $3,501 2.78%
TULSA, OK (FHA|USDA|VA) 23 $7,505,000 $326,304 $3,192 3.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 23 $6,115,000 $265,870 $3,201 2.96%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $5,920,000 $986,667 $3,201 2.93%
SANTA FE, NM (FHA|USDA|VA) 20 $5,060,000 $253,000 $3,445 2.72%
Los Alamos, NM (FHA|USDA|VA) 20 $3,810,000 $190,500 $3,399 2.56%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $3,695,000 $410,556 $2,861 3.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $3,445,000 $382,778 $3,589 2.64%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 15 $3,445,000 $229,667 $2,414 2.70%
LAWRENCE, KS (FHA|USDA|VA) 14 $3,350,000 $239,286 $2,831 2.90%
ALBUQUERQUE, NM (FHA|USDA|VA) 12 $3,190,000 $265,833 $3,627 2.95%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $2,915,000 $416,429 $3,091 3.05%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $2,580,000 $215,000 $2,271 2.90%
Winfield, KS (FHA|USDA|VA) 13 $2,505,000 $192,692 $3,409 2.84%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 8 $2,350,000 $293,750 $2,163 2.83%
COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,235,000 $248,333 $2,455 2.82%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $2,120,000 $530,000 $4,337 2.56%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $2,030,000 $338,333 $2,959 2.77%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,925,000 $385,000 $3,890 2.88%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,760,000 $440,000 $5,096 2.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $1,725,000 $345,000 $4,220 2.80%
PITTSBURGH, PA (FHA|USDA|VA) 1 $1,665,000 $1,665,000 $0 3.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,660,000 $276,667 $2,711 2.90%
Hutchinson, KS (FHA|USDA|VA) 8 $1,540,000 $192,500 $2,862 2.89%
RENO, NV (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $0 3.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 7 $1,325,000 $189,286 $2,672 2.50%
WORCESTER, MA-CT (FHA|USDA|VA) 7 $1,285,000 $183,571 $3,438 2.88%
Ardmore, OK (FHA|USDA|VA) 2 $1,210,000 $605,000 $0 4.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,190,000 $297,500 $3,279 2.59%
TOPEKA, KS (FHA|USDA|VA) 8 $1,170,000 $146,250 $2,587 2.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,170,000 $292,500 $3,224 2.97%
FRESNO, CA (FHA|USDA|VA) 4 $1,140,000 $285,000 $2,909 2.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,085,000 $217,000 $2,601 2.75%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $4,528 3.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $915,000 $130,714 $3,531 2.96%
Sevierville, TN (FHA|USDA|VA) 2 $890,000 $445,000 $0 3.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $860,000 $430,000 $4,154 2.94%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $860,000 $430,000 $4,827 3.69%
MANHATTAN, KS (FHA|USDA|VA) 4 $810,000 $202,500 $2,403 2.78%
KANKAKEE, IL (FHA|USDA|VA) 5 $785,000 $157,000 $2,476 2.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $780,000 $195,000 $3,122 2.66%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 5 $775,000 $155,000 $2,401 2.90%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $6,731 3.38%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $730,000 $365,000 $3,929 2.94%
Ottawa, IL (FHA|USDA|VA) 5 $715,000 $143,000 $2,535 2.35%
Breckenridge, CO (FHA|USDA|VA) 2 $700,000 $350,000 $2,624 3.06%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $675,000 $225,000 $3,720 2.54%
FORT WAYNE, IN (FHA|USDA|VA) 4 $660,000 $165,000 $2,211 3.00%
ROCHESTER, MN (FHA|USDA|VA) 4 $640,000 $160,000 $3,215 2.66%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $635,000 $127,000 $2,207 2.58%
RICHMOND, VA (FHA|USDA|VA) 1 $625,000 $625,000 $4,297 3.00%
JOPLIN, MO (FHA|USDA|VA) 1 $595,000 $595,000 $5,850 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $570,000 $285,000 $3,398 2.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $570,000 $285,000 $2,682 3.25%
Durango, CO (FHA|USDA|VA) 1 $545,000 $545,000 $2,661 2.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $545,000 $545,000 $3,332 2.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $535,000 $178,333 $2,410 2.63%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 4 $510,000 $127,500 $2,055 2.44%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.75%
VALLEJO, CA (FHA|USDA|VA) 3 $505,000 $168,333 $0 2.96%
McAlester, OK (FHA|USDA|VA) 2 $490,000 $245,000 $2,801 3.50%
OCALA, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,741 2.63%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $490,000 $245,000 $2,531 3.38%
COLUMBIA, MO (FHA|USDA|VA) 1 $475,000 $475,000 $1,863 3.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $465,000 $465,000 $3,008 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $460,000 $230,000 $2,132 2.81%
Pullman, WA (FHA|USDA|VA) 1 $455,000 $455,000 $2,452 3.00%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $455,000 $455,000 $15,257 2.63%
Ottawa, KS (FHA|USDA|VA) 2 $450,000 $225,000 $2,213 2.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $430,000 $215,000 $3,215 3.13%
Salina, KS (FHA|USDA|VA) 2 $420,000 $210,000 $2,417 2.88%
LAS CRUCES, NM (FHA|USDA|VA) 1 $405,000 $405,000 $4,029 3.38%
Riverton, WY (FHA|USDA|VA) 1 $405,000 $405,000 $2,102 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 2 $400,000 $200,000 $2,695 2.75%
Warsaw, IN (FHA|USDA|VA) 3 $395,000 $131,667 $1,970 2.83%
Marshall, MN (FHA|USDA|VA) 1 $395,000 $395,000 $3,113 2.88%
PROVO-OREM, UT (FHA|USDA|VA) 2 $390,000 $195,000 $2,954 3.00%
LONGVIEW, TX (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.00%
DULUTH, MN-WI (FHA|USDA|VA) 4 $370,000 $92,500 $2,657 3.03%
GETTYSBURG, PA (FHA|USDA|VA) 1 $365,000 $365,000 $4,796 3.13%
GREENVILLE, NC (FHA|USDA|VA) 1 $355,000 $355,000 $2,490 3.00%
Pittsburg, KS (FHA|USDA|VA) 1 $355,000 $355,000 $3,248 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $350,000 $175,000 $6,467 2.69%
Lebanon, NH-VT (FHA|USDA|VA) 2 $340,000 $170,000 $3,110 2.88%
McPherson, KS (FHA|USDA|VA) 2 $340,000 $170,000 $3,064 2.94%
ENID, OK (FHA|USDA|VA) 2 $340,000 $170,000 $6,273 3.19%
Tahlequah, OK (FHA|USDA|VA) 1 $335,000 $335,000 $3,385 3.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,310 2.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $330,000 $165,000 $2,349 2.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $325,000 $108,333 $2,469 2.67%
Sedalia, MO (FHA|USDA|VA) 1 $305,000 $305,000 $3,256 2.88%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,051 3.00%
Cedartown, GA (FHA|USDA|VA) 1 $305,000 $305,000 $3,441 3.25%
Kalispell, MT (FHA|USDA|VA) 1 $305,000 $305,000 $3,335 2.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.50%
FOND DU LAC, WI (FHA|USDA|VA) 3 $305,000 $101,667 $2,136 2.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $300,000 $150,000 $2,363 2.81%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $300,000 $150,000 $2,466 2.94%
THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $2,050 2.25%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $295,000 $295,000 $2,436 2.75%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,233 3.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $295,000 $295,000 $2,582 2.38%
GREELEY, CO (FHA|USDA|VA) 1 $285,000 $285,000 $2,163 3.00%
Garden City, KS (FHA|USDA|VA) 1 $285,000 $285,000 $2,245 2.88%
PEORIA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $2,911 3.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $275,000 $275,000 $2,971 3.00%
Altus, OK (FHA|USDA|VA) 1 $275,000 $275,000 $3,305 3.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $265,000 $265,000 $2,988 3.13%
WILMINGTON, NC (FHA|USDA|VA) 1 $255,000 $255,000 $12,183 3.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $255,000 $255,000 $2,534 2.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $245,000 $245,000 $2,703 3.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,424 3.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $245,000 $245,000 $2,678 2.63%
MIDLAND, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,731 3.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $235,000 $235,000 $2,843 3.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $230,000 $115,000 $2,089 2.63%
Dixon, IL (FHA|USDA|VA) 1 $225,000 $225,000 $1,974 2.88%
LINCOLN, NE (FHA|USDA|VA) 1 $225,000 $225,000 $2,369 3.13%
VISALIA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $4,150 3.38%
Beaver Dam, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,014 2.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,452 3.00%
Ponca City, OK (FHA|USDA|VA) 1 $225,000 $225,000 $4,120 2.63%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $215,000 $215,000 $2,749 2.63%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $215,000 $215,000 $3,229 2.63%
Dodge City, KS (FHA|USDA|VA) 2 $210,000 $105,000 $3,684 3.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,270 2.88%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,701 2.38%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,150 2.88%
EspaƱola, NM (FHA|USDA|VA) 1 $205,000 $205,000 $2,142 3.00%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $205,000 $205,000 $2,956 2.50%
READING, PA (FHA|USDA|VA) 1 $195,000 $195,000 $6,399 3.00%
FLINT, MI (FHA|USDA|VA) 1 $195,000 $195,000 $5,867 3.63%
STOCKTON, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.88%
Kearney, NE (FHA|USDA|VA) 1 $185,000 $185,000 $2,369 3.25%
COLUMBIA, SC (FHA|USDA|VA) 1 $185,000 $185,000 $3,556 2.88%
DUBUQUE, IA (FHA|USDA|VA) 1 $185,000 $185,000 $2,303 2.50%
Duncan, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,042 2.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,765 2.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $5,342 2.63%
Dayton, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,802 2.50%
MODESTO, CA (FHA|USDA|VA) 2 $170,000 $85,000 $2,041 2.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,047 2.38%
Bennington, VT (FHA|USDA|VA) 1 $165,000 $165,000 $4,833 2.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,229 2.63%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $155,000 $155,000 $3,104 2.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $155,000 $155,000 $3,162 2.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $150,000 $75,000 $2,668 2.88%
AKRON, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,988 2.63%
Bardstown, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,592 3.13%
TOLEDO, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,599 2.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
LaGrange, GA-AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,231 2.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,745 2.50%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,445 3.25%
BATON ROUGE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $3,267 2.38%
KINGSTON, NY (FHA|USDA|VA) 1 $125,000 $125,000 $2,795 2.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,369 3.00%
Taos, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,205 2.38%
Mason City, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,728 2.50%
ROCKFORD, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,477 2.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $115,000 $115,000 $2,021 2.25%
STAUNTON, VA (FHA|USDA|VA) 1 $115,000 $115,000 $2,576 2.50%
Del Rio, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,121 3.00%
Ada, OK (FHA|USDA|VA) 1 $115,000 $115,000 $2,792 2.25%
Bedford, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,448 2.00%
Fairfield, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,728 2.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $105,000 $105,000 $4,394 2.50%
GREEN BAY, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,718 2.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,220 2.88%
Branson, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
Freeport, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,494 2.13%
MOBILE, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,484 2.50%
Warrensburg, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,423 2.25%
Effingham, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,891 2.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.79%
Albert Lea, MN (FHA|USDA|VA) 1 $75,000 $75,000 $2,381 2.25%
Winona, MN (FHA|USDA|VA) 1 $65,000 $65,000 $1,939 2.38%
Coffeyville, KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,279 3.38%
Owatonna, MN (FHA|USDA|VA) 1 $65,000 $65,000 $2,476 2.38%
Austin, MN (FHA|USDA|VA) 1 $55,000 $55,000 $1,939 2.88%
Stillwater, OK (FHA|USDA|VA) 1 $55,000 $55,000 $725 4.74%

Fidelity Bank's top markets include Wichita, Kansas City, Oklahoma City, St. Louis, and Memphis among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,339 $577,305,000 $246,817 $2,604 2.98%
FHA 125 $21,065,000 $168,520 $5,617 3.11%
VA 76 $21,260,000 $279,737 $6,308 2.84%
USDA 11 $1,815,000 $165,000 $4,240 2.80%

For the 2021 period, Fidelity Bank's most frequently originated loan type of loans were Conventional, with 2,339 originations. Their 2nd most popular type is FHA, with 125 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,052 $273,230,000 $259,724 $3,459 3.12%
Refi 880 $216,860,000 $246,432 $2,444 2.77%
Cash Out Refi 547 $121,885,000 $222,824 $2,776 2.92%
Home Improvement 38 $2,960,000 $77,895 $504 4.60%
Other 34 $6,510,000 $191,471 $2,060 3.62%

For the 2021, Fidelity Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,052 originations. The 2nd most popular reason of loans were Refi, with 880 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,637 $393,085,000 $240,125 $3,174 3.06%
15 Year 584 $119,120,000 $203,973 $2,524 2.51%
20 Year 205 $47,875,000 $233,537 $2,038 3.56%
10 Year 85 $26,575,000 $312,647 $2,052 3.04%
Other 29 $17,265,000 $595,345 $2,101 3.42%
5 Year 8 $9,280,000 $1,160,000 $233 4.17%
3 Year 3 $8,245,000 $2,748,333 $0 3.66%

For the 2021, Fidelity Bank's most frequently cited loan length of loans were 30 Year, with 1,637 originations. The 2nd most popular length of loans were 15 Year, with 584 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,991 $452,655,000 $227,351
$1k-2k 297 $61,085,000 $205,673
$2k-3k 35 $10,735,000 $306,714
$3k-4k 17 $7,355,000 $432,647
$5k+ 3 $1,265,000 $421,667

$3,174 of loans were Fidelity Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,991 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,143 $268,095,000 $234,554
3-4% 707 $199,495,000 $282,171
<2.5% 557 $106,885,000 $191,894
4-5% 117 $45,065,000 $385,171
5-6% 15 $1,145,000 $76,333
6-7% 10 $610,000 $61,000
7-8% 2 $150,000 $75,000

During 2021, Fidelity Bank's average interest rate of loans were 3.06%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,143 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 978 $146,660,000 $149,959 $2,703 2.91%
$200k-400k 926 $252,850,000 $273,056 $3,111 2.93%
$100,000 or less 365 $26,755,000 $73,301 $2,077 3.24%
$400k-600k 220 $105,790,000 $480,864 $3,484 2.95%
$600k-1MM 35 $26,025,000 $743,571 $5,488 3.31%
$1MM+ 27 $63,365,000 $2,346,852 $6,341 3.77%

2021 saw Fidelity Bank place emphasis on $100k-200k loans with 978 originations, totaling $146,660,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 565 $139,765,000 $247,372 $2,811 2.95%
$50k-75k 565 $92,245,000 $163,265 $2,814 2.90%
$150k-250k 409 $117,435,000 $287,127 $2,857 3.05%
$75k-100k 398 $85,380,000 $214,523 $2,990 2.90%
$50k or less 352 $42,430,000 $120,540 $2,793 2.93%
$250k+ 174 $73,550,000 $422,701 $3,539 3.09%

Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 565 originations. The second most popular income band? $50k-75k, with 565 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 721 $161,685,000 $224,251 $2,804 2.92%
30-36% 514 $118,300,000 $230,156 $3,044 2.97%
<20% 337 $71,455,000 $212,033 $2,528 2.76%
42% 96 $20,210,000 $210,521 $2,831 3.22%
39% 84 $18,850,000 $224,405 $2,868 2.98%
37% 84 $22,340,000 $265,952 $2,916 2.96%
38% 81 $17,245,000 $212,901 $2,960 3.03%
36% 74 $15,100,000 $204,054 $2,988 3.21%
44% 71 $15,155,000 $213,451 $3,168 3.01%
40% 70 $15,830,000 $226,143 $3,009 3.04%
43% 66 $13,780,000 $208,788 $2,892 2.99%
41% 66 $14,130,000 $214,091 $2,685 3.20%
46% 48 $9,820,000 $204,583 $3,585 2.91%
47% 45 $10,125,000 $225,000 $2,833 2.95%
45% 39 $10,255,000 $262,949 $3,359 2.92%
49% 37 $8,455,000 $228,514 $3,127 2.99%
48% 36 $9,900,000 $275,000 $3,227 2.98%
50-60% 20 $4,480,000 $224,000 $4,204 2.98%
>60% 3 $725,000 $241,667 $1,919 3.96%

Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 721 originations. The next most common DTI ratio? 30-36%, with 514 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,032 $447,880,000 $220,413 $2,874 2.96%
Not provided 275 $63,725,000 $231,727 $2,833 2.94%
Not applicable 52 $63,030,000 $1,212,115 $0 4.16%
Asian 75 $19,675,000 $262,333 $2,842 3.06%
Black 61 $13,295,000 $217,951 $3,579 2.95%
American Indian 35 $8,055,000 $230,143 $3,276 2.96%
Asian Indian 15 $4,125,000 $275,000 $2,613 3.29%
Chinese 3 $1,055,000 $351,667 $3,097 2.50%
Other Asian 2 $450,000 $225,000 $2,929 3.06%
Filipino 1 $155,000 $155,000 $2,418 3.50%

Approval Rates

Total approvals of all applications
98.25%

Fidelity Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
85.67%

Fidelity Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,551 $621,445,000 $243,608

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,551 $621,445,000 $243,608

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 189 $29,285,000 $154,947 $2,436 2.79%
40-60% 443 $104,725,000 $236,400 $2,499 2.72%
60-80% 998 $280,180,000 $280,741 $2,658 3.00%
80-100% 832 $197,060,000 $236,851 $3,458 3.02%
Over 100% 14 $4,370,000 $312,143 $11,693 2.92%
Under 20% 74 $5,620,000 $75,946 $991 4.37%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Fidelity National Financial, Inc VA mortgage Closing on a mortgage 1 4.5%
Fidelity National Financial, Inc Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 9.1%
Fidelity National Financial, Inc Conventional home mortgage Closing on a mortgage 11 50.0%
Fidelity National Financial, Inc Conventional home mortgage Struggling to pay mortgage 1 4.5%
Fidelity National Financial, Inc Conventional home mortgage Trouble during payment process 2 9.1%
Fidelity National Financial, Inc FHA mortgage Closing on a mortgage 2 9.1%
Fidelity National Financial, Inc Other type of mortgage Closing on a mortgage 1 4.5%
Fidelity National Financial, Inc Other type of mortgage Struggling to pay mortgage 2 9.1%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Fidelity Bank, National Association 3128 South Seneca St Wichita, KS 67217 Full Service B&M $64,862
Fidelity Bank, National Association 3525 E. Harry St Wichita, KS 67218 Full Service B&M $41,176
Fidelity Bank, National Association 3641 North Woodlawn Wichita, KS 67220 Full Service B&M $65,454
Fidelity Bank, National Association 624 S. Boston Ave. Tulsa, OK 74119 Full Service B&M $29,374
Fidelity Bank, National Association 6901 West Hefner Rd Oklahoma City, OK 73162 Full Service B&M $28,591
Fidelity Bank, National Association 7711 East Harry St Wichita, KS 67207 Full Service B&M $42,018
Fidelity Bank, National Association 8442 West 13th Street N Wichita, KS 67212 Full Service B&M $69,124
Fidelity Bank, National Association 9300 West Central Ave Wichita, KS 67212 Full Service B&M $75,755
Fidelity Bank, National Association 9400 North Broadway Extension Oklahoma City, OK 73114 Full Service B&M $73,790
Fidelity Bank, National Association 100 East English Street Wichita, KS 67202 Full Service B&M $1,307,966
Fidelity Bank, National Association 1020 Nw 150th St Edmond, OK 73013 Full Service B&M $49,327
Fidelity Bank, National Association 1127 East 2nd St Edmond, OK 73034 Full Service B&M $18,815
Fidelity Bank, National Association 12715 East Central Wichita, KS 67206 Full Service B&M $67,062
Fidelity Bank, National Association 1306 North Woodlawn St Wichita, KS 67208 Full Service B&M $42,585
Fidelity Bank, National Association 14435 Metcalf Avenue Overland Park, KS 66223 Full Service B&M $67,630
Fidelity Bank, National Association 2111 North Bradley Fair Pkwy Wichita, KS 67206 Full Service B&M $75,915
Fidelity Bank, National Association 2225 West Hefner Rd Oklahoma City, OK 73120 Full Service B&M $68,674
Fidelity Bank, National Association 2251 North Maize Road Wichita, KS 67205 Full Service B&M $101,841
Fidelity Bank, National Association 2265 North Amidon Ave Wichita, KS 67204 Full Service B&M $76,864
Fidelity Bank, National Association 2542 North Rock Rd Derby, KS 67037 Full Service B&M $51,812
Fidelity Bank, National Association 2721 East Central Avnue Wichita, KS 67214 Full Service B&M $442

For 2021, Fidelity Bank had 21 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $98,330
Net interest income $92,172
Total noninterest income $37,896
Gross Fiduciary activities income $0
Service charges on deposit accounts $2,283
Trading account gains and fees $0
Additional Noninterest Income $35,613
Pre-tax net operating income $34,928
Securities gains (or losses, -) $-8,318
Income before extraordinary items $20,832
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $20,832
Minority interest net income $0
Net income $20,832
Sale, conversion, retirement of capital stock, net $0
Net operating income $27,403

Fidelity Bank's gross interest income from loans was $98,330,000.
Fidelity Bank's net interest income from loans was $92,172,000.
Fidelity Bank's fee based income from loans was $2,283,000.
Fidelity Bank's net income from loans was $20,832,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $6,158
Provision for credit losses $-2,461
Total noninterest expense $97,601
Salaries and employee benefits $52,626
Premises and equipment expense $19,020
Additional noninterest expense $25,955
Applicable income taxes $5,778
Net charge-offs $115
Cash dividends $14,000

Fidelity Bank's interest expense for loans was $6,158,000.
Fidelity Bank's payroll and benefits expense were $52,626,000.
Fidelity Bank's property, plant and equipment expenses $19,020,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 1.0%
Commercial & industrial loans 1.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $2,423,055
Deposits held in domestic offices $2,423,055
Deposits by Individuals, partnerships, and corporations $2,277,723
Deposits by U.S. Government $22
Deposits by States and political subdivisions in the U.S. $144,100
Deposits by Commercial banks and other depository institutions in U.S. $1,209
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $246,595
Demand deposits $122,386
Nontransaction accounts $2,176,459
Money market deposit accounts (MMDAs) $1,734,774
Other savings deposits (excluding MMDAs) $109,320
Total time deposits $332,365
Total time and savings deposits $2,300,668
Noninterest-bearing deposits $536,705
Interest-bearing deposits $1,886,350
Retail deposits $2,239,638
IRAs and Keogh plan accounts $38,017
Brokered deposits $144,775
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,824,450
Cash & Balances due from depository institutions $89,623
Interest-bearing balances $50,541
Total securities $83,575
Federal funds sold & reverse repurchase $0
Net loans and leases $2,183,423
Loan and leases loss allowance $26,188
Trading account assets $181,040
Bank premises and fixed assets $83,418
Other real estate owned $630
Goodwill and other intangibles $71,030
All other assets $131,711

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,824,450
Total Liabilities $2,546,283
Total deposits $2,423,055
Interest-bearing deposits $1,886,350
Deposits held in domestic offices $2,423,055
% insured (estimated) $67
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $84,541
Subordinated debt $0
All other liabilities $38,687

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,183,423
Loan and leases loss allowance $26,188
Total loans and leases (domestic) $2,209,611
All real estate loans $1,868,866
Real estate loans in domestic offices $1,868,866
Construction and development loans $232,898
Residential 1-4 family construction $139,545
Other construction, all land development and other land $93,353
Loans secured by nonfarm nonresidential properties $935,179
Nonfarm nonresidential secured by owner-occupied properties $236,920
Commercial real estate & other non-farm, non-residential $698,259
Multifamily residential real estate $230,590
1-4 family residential loans $469,208
Farmland loans $991
Loans held in foreign offices $0
Farm loans $181
Commercial and industrial loans $182,674
To non-U.S. addressees $0
Loans to individuals $136,818
Credit card loans $0
Related Plans $0
Consumer Auto Loans $69,568
Other loans to individuals $67,250
All other loans & leases $21,073
Loans to foreign governments and official institutions $0
Other loans $21,073
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $30,125
Non 1-4 family restructured loans & leases $1,021
Total loans and leases (foreign) $0

Fidelity Bank had $2,183,423,000 of loans outstanding in 2021. $1,868,866,000 of loans were in real estate loans. $232,898,000 of loans were in development loans. $230,590,000 of loans were in multifamily mortgage loans. $469,208,000 of loans were in 1-4 family mortgage loans. $181,000 of loans were in farm loans. $0 of loans were in credit card loans. $69,568,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 209 $69,613 $333,077
Nonfarm, nonresidential loans - <$100k 14 $291 $20,786
Nonfarm, nonresidential loans - $100-250k 46 $5,228 $113,652
Nonfarm, nonresidential loans - $250k-1MM 149 $64,094 $430,161
Commercial & Industrial, US addressed loans - <$1MM 430 $34,725 $80,756
Commercial & Industrial, US addressed loans - <$100k 231 $3,419 $14,801
Commercial & Industrial, US addressed loans - $100-250k 82 $5,786 $70,561
Commercial & Industrial, US addressed loans - $250k-1MM 117 $25,520 $218,120
Farmland loans - <$1MM 7 $431 $61,571
Farmland loans - <$100k 6 $94 $15,667
Farmland loans - $250k-1MM 1 $337 $337,000
Agriculture operations loans - <$1MM 3 $181 $60,333
Agriculture operations loans - <$100k 3 $181 $60,333