Fidelity Bank Mortgage Rates, Fees & Info
Wichita, KSLEI: 549300L9MOPDT0NKE883
Tax ID: 48-0630879
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Mortgage Data
Review & Overview
Fidelity Bank is a smaller bank specializing in Home Purchase loans. Fidelity Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Kansas City, Oklahoma City, Wichita Falls, and San Angelo among others. We have data for 76 markets. (Some data included below & more in-depth data is available with an active subscription.)Fidelity Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fidelity Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.61% | 4/21/24 |
| 30 Year Conventional Refi | 6.47% | 4/21/24 |
| 30 Year Cash-out Refi | 6.59% | 4/21/24 |
| 30 Year FHA Purchase | 7.41% | 4/21/24 |
| 30 Year FHA Refi | 6.92% | 4/21/24 |
| 30 Year VA Purchase | 6.31% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 30 Year USDA Purchase | 6.75% | 4/21/24 |
| 15 Year Conventional Purchase | 6.11% | 4/21/24 |
| 15 Year Conventional Refi | 6.03% | 4/21/24 |
| 15 Year Cash-out Refi | 6.03% | 4/21/24 |
| 15 Year FHA Purchase | 5.68% | 4/21/24 |
| 15 Year FHA Refi | 5.68% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Fidelity Bank Mortgage Calculator
Your Estimates
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This is not an official calculator from Fidelity Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,174Origination Dollar Volume (All Markets)
$304,490,000Awards
Fidelity Bank - 2023
Fidelity Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Fidelity Bank's average 30 year fixed mortgage rate was
6.99%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.51%.
Relative Fees (Closing Costs)
Fidelity Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,013.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| WICHITA, KS (FHA|USDA|VA) | 694 | $139,750,000 | $201,369 | $3,844 | 7.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 183 | $61,805,000 | $337,732 | $3,091 | 7.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 133 | $27,545,000 | $207,105 | $1,770 | 8.03% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $18,110,000 | $9,055,000 | $0 | 6.15% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $10,305,000 | $10,305,000 | $0 | 7.11% |
| TULSA, OK (FHA|USDA|VA) | 25 | $6,745,000 | $269,800 | $4,772 | 7.81% |
| Outside of Metro Areas | 25 | $6,425,000 | $257,000 | $3,509 | 7.49% |
| LAWRENCE, KS (FHA|USDA|VA) | 11 | $3,785,000 | $344,091 | $2,374 | 7.24% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $2,230,000 | $557,500 | $5,380 | 6.72% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $8,195 | 6.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $10,442 | 6.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $7,577 | 6.56% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $4,930 | 7.29% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 10 | $1,230,000 | $123,000 | $2,946 | 6.99% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 6.88% |
| WACO, TX (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $3,921 | 6.31% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $6,545 | 7.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $2,695 | 6.83% |
| Winfield, KS (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,737 | 6.46% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $5,125 | 6.00% |
| McPherson, KS (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,181 | 6.94% |
| Moscow, ID (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,165 | 6.38% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $15,033 | 6.94% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,898 | 7.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $19,645 | 6.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,944 | 6.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,437 | 6.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,330 | 7.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,893 | 7.38% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,048 | 7.37% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,174 | 8.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.74% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,159 | 7.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,714 | 7.37% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,208 | 7.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,936 | 6.50% |
| Wilson, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,258 | 5.75% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,545 | 6.25% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,910 | 6.88% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,499 | 7.25% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,556 | 6.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 7.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,085 | 7.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,814 | 7.13% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,714 | 7.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,643 | 6.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,122 | 7.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,099 | 6.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,897 | 7.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,669 | 3.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.50% |
| Salina, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,640 | 5.88% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.50% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,666 | 7.25% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,952 | 6.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,273 | 5.50% |
| Española, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,885 | 6.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,152 | 6.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,264 | 7.13% |
| Marquette, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,626 | 7.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,962 | 7.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.24% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,344 | 7.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,132 | 5.88% |
| Waycross, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,066 | 6.13% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,655 | 5.88% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $228 | 7.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $457 | 8.12% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,727 | 5.75% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,470 | 6.50% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.29% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $530 | 6.75% |
| Ada, OK (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $730 | 8.74% |
| Guymon, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.74% |
| ENID, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $490 | 8.87% |
Similar Lenders
We use machine learning to identify the top lenders compared against Fidelity Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Fidelity Bank's most frequently originated type of loan was Conventional, with 718 originations. Their 2nd most popular type was HELOC, with 318 originations.
Loan Reason
For 2023, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 728 originations. The 2nd most popular reason was Home Improvement, with 221 originations.
Loan Duration/Length
For 2023, Fidelity Bank's most frequently cited loan duration was 30 Year, with 932 originations. The 2nd most popular length was Other, with 99 originations.
Origination Fees/Closing Costs
Fidelity Bank's average total fees were $4,013, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 549 originations.
Interest Rates
During 2023, Fidelity Bank's average interest rate for loans was 6.99%, while their most frequently originated rate bucket for loans was 6-7%, with 492 originations.
Loan Sizing
2023 saw Fidelity Bank place emphasis on $100k-200k loans with 363 originations, totaling $53,505,000 in origination value.
Applicant Income
Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 268 originations. The second most popular income band? $150k-250k, with 229 originations.
Applicant Debt to Income Ratio
Fidelity Bank lent most frequently to those with DTI ratios of 30-36%, with 228 originations. The next most common DTI ratio? 20-30%, with 199 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.77%
Fidelity Bank has a below average approval rate.
Pick Rate
Approvals leading to origination84.67%
Fidelity Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,174 | $304,490,000 | $259,361 |