Fidelity Bank Mortgage Rates, Fees & Info

Wichita, KS

LEI: 549300L9MOPDT0NKE883

Tax ID: 48-0630879

5 stars - Updated: 2/25/24 - out of 5 stars, based on 40 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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 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 by origination volume include: Wichita, Kansas City, Oklahoma City, Houston, and Mobile among others. We have data for 94 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 about average 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 2/25/24
30 Year Conventional Purchase 6.61% 2/25/24
30 Year Conventional Refi 6.47% 2/25/24
30 Year Cash-out Refi 6.59% 2/25/24
30 Year FHA Purchase 7.41% 2/25/24
30 Year FHA Refi 6.92% 2/25/24
30 Year VA Purchase 6.31% 2/25/24
30 Year VA Refi 6.27% 2/25/24
30 Year USDA Purchase 6.75% 2/25/24
15 Year Conventional Purchase 6.11% 2/25/24
15 Year Conventional Refi 6.03% 2/25/24
15 Year Cash-out Refi 6.03% 2/25/24
15 Year FHA Purchase 5.68% 2/25/24
15 Year FHA Refi 5.68% 2/25/24
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

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

1,602

Origination Dollar Volume (All Markets)

$435,780,000
Show all (7) awards

Relative Rate

Fidelity Bank's average 30 year fixed mortgage rate was 5.01%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.25%.

Relative Fees (Closing Costs)

Fidelity Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,799.

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 $4,750.

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) 846 $183,310,000 $216,678 $3,591 4.97%
KANSAS CITY, MO-KS (FHA|USDA|VA) 317 $90,195,000 $284,527 $2,979 4.96%
OKLAHOMA CITY, OK (FHA|USDA|VA) 197 $39,015,000 $198,046 $2,752 5.36%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $26,115,000 $8,705,000 $5,489 6.36%
MOBILE, AL (FHA|USDA|VA) 2 $16,530,000 $8,265,000 $0 5.40%
Outside of Metro Areas 50 $11,510,000 $230,200 $4,211 4.94%
TULSA, OK (FHA|USDA|VA) 33 $8,855,000 $268,333 $6,352 5.43%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $4,805,000 $4,805,000 $0 5.28%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $3,755,000 $3,755,000 $0 4.45%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $3,570,000 $892,500 $7,310 4.56%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $3,055,000 $436,429 $3,148 5.02%
LAWRENCE, KS (FHA|USDA|VA) 10 $2,970,000 $297,000 $3,037 4.71%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $2,175,000 $725,000 $3,301 4.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $2,165,000 $2,165,000 $4,501 4.38%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $7,716 5.75%
BILLINGS, MT (FHA|USDA|VA) 2 $1,840,000 $920,000 $7,185 4.06%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,815,000 $605,000 $5,412 4.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $1,720,000 $286,667 $3,548 4.46%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $1,545,000 $1,545,000 $10,282 5.88%
TOPEKA, KS (FHA|USDA|VA) 5 $1,455,000 $291,000 $2,386 3.98%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $1,190,000 $595,000 $6,202 6.31%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $1,115,000 $371,667 $4,987 3.71%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,111 5.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $970,000 $485,000 $3,866 5.69%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $895,000 $298,333 $5,719 3.88%
Winfield, KS (FHA|USDA|VA) 7 $845,000 $120,714 $2,829 4.46%
Los Alamos, NM (FHA|USDA|VA) 2 $820,000 $410,000 $4,858 3.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $705,000 $235,000 $2,930 3.54%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $675,000 $675,000 $12,898 3.50%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $645,000 $645,000 $4,053 6.25%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $645,000 $645,000 $6,350 4.50%
Hutchinson, KS (FHA|USDA|VA) 5 $645,000 $129,000 $4,953 5.28%
ASHEVILLE, NC (FHA|USDA|VA) 1 $645,000 $645,000 $4,338 6.63%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $605,000 $605,000 $4,570 3.13%
TUCSON, AZ (FHA|USDA|VA) 1 $575,000 $575,000 $4,890 3.88%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $550,000 $275,000 $3,268 3.75%
VISALIA, CA (FHA|USDA|VA) 3 $545,000 $181,667 $4,069 3.79%
Shawnee, OK (FHA|USDA|VA) 2 $540,000 $270,000 $3,813 4.81%
Bennington, VT (FHA|USDA|VA) 1 $505,000 $505,000 $6,176 6.25%
ROANOKE, VA (FHA|USDA|VA) 1 $495,000 $495,000 $4,265 3.50%
Statesboro, GA (FHA|USDA|VA) 1 $475,000 $475,000 $9,307 5.25%
Hays, KS (FHA|USDA|VA) 2 $460,000 $230,000 $3,617 5.81%
Stillwater, OK (FHA|USDA|VA) 2 $430,000 $215,000 $16,405 4.56%
COLUMBUS, OH (FHA|USDA|VA) 1 $415,000 $415,000 $3,512 5.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $415,000 $415,000 $3,930 5.38%
Show Low, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $5,228 2.38%
AKRON, OH (FHA|USDA|VA) 1 $385,000 $385,000 $4,500 4.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $375,000 $375,000 $4,777 3.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $360,000 $180,000 $4,335 4.31%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $355,000 $355,000 $4,555 5.75%
Muskogee, OK (FHA|USDA|VA) 2 $340,000 $170,000 $2,417 6.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,666 3.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.88%
Mount Pleasant, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,477 7.00%
Duncan, OK (FHA|USDA|VA) 2 $330,000 $165,000 $2,654 5.00%
Emporia, KS (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.93%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $315,000 $315,000 $7,855 3.88%
SANTA FE, NM (FHA|USDA|VA) 2 $310,000 $155,000 $3,108 4.31%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $310,000 $155,000 $3,327 3.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $305,000 $305,000 $10,106 5.75%
Branson, MO (FHA|USDA|VA) 2 $300,000 $150,000 $2,690 5.56%
FRESNO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $2,241 3.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $265,000 $265,000 $2,904 6.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,057 4.50%
Ponca City, OK (FHA|USDA|VA) 2 $250,000 $125,000 $3,778 5.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $240,000 $120,000 $2,794 2.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $195,000 $195,000 $11,525 4.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.63%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,051 3.88%
Pittsburg, KS (FHA|USDA|VA) 2 $190,000 $95,000 $3,649 5.63%
ANCHORAGE, AK (FHA|USDA|VA) 1 $185,000 $185,000 $4,293 2.75%
SAN ANGELO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,043 4.75%
STAUNTON, VA (FHA|USDA|VA) 1 $175,000 $175,000 $3,109 5.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,491 2.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,739 5.25%
AMARILLO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,385 5.50%
JACKSON, MS (FHA|USDA|VA) 1 $155,000 $155,000 $2,545 4.00%
Weatherford, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.50%
Clearlake, CA (FHA|USDA|VA) 1 $145,000 $145,000 $5,097 3.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,123 2.63%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,884 3.38%
KANKAKEE, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,570 3.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $115,000 $115,000 $4,470 4.63%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,760 2.88%
HARRISONBURG, VA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,925 6.13%
Amsterdam, NY (FHA|USDA|VA) 1 $105,000 $105,000 $3,487 5.75%
MONTGOMERY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,739 6.00%
FORT WAYNE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,343 3.50%
MANHATTAN, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,174 4.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $65,000 $65,000 $2,998 3.38%
McPherson, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
Atchison, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
Fidelity Bank's top markets include Wichita, Kansas City, Oklahoma City, Houston, and Mobile among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,013 $348,905,000 $344,427 $3,097 5.06%
    HELOC 430 $52,330,000 $121,698 n/a 4.86%
    FHA 103 $19,725,000 $191,505 $6,699 5.00%
    VA 46 $13,450,000 $292,391 $6,015 5.01%
    USDA 10 $1,370,000 $137,000 $4,044 3.96%

    For 2022, Fidelity Bank's most frequently originated type of loan was Conventional, with 1,013 originations. Their 2nd most popular type was HELOC, with 430 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 870 $285,640,000 $328,322 $3,836 5.09%
    Home Improvement 259 $25,675,000 $99,131 $1,428 5.08%
    Refi 179 $73,985,000 $413,324 $3,723 4.61%
    Other 176 $22,440,000 $127,500 $1,750 5.20%
    Cash Out Refi 118 $28,040,000 $237,627 $3,528 4.39%

    For 2022, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 870 originations. The 2nd most popular reason was Home Improvement, with 259 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,266 $306,720,000 $242,275 $3,799 5.01%
    Other 122 $56,250,000 $461,066 $1,650 4.87%
    20 Year 90 $10,850,000 $120,556 $1,556 5.48%
    15 Year 83 $20,155,000 $242,831 $3,054 4.02%
    10 Year 22 $8,300,000 $377,273 $1,139 5.83%
    5 Year 11 $7,045,000 $640,455 $518 5.43%
    1 Year 5 $5,555,000 $1,111,000 $1,663 6.56%
    3 Year 3 $20,905,000 $6,968,333 $0 5.69%

    For 2022, Fidelity Bank's most frequently cited loan duration was 30 Year, with 1,266 originations. The 2nd most popular length was Other, with 122 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 752 $202,610,000 $269,428
    $1k-2k 180 $37,900,000 $210,556
    $2k-3k 55 $14,925,000 $271,364
    $5k+ 17 $7,265,000 $427,353
    $3k-4k 16 $5,270,000 $329,375
    $4k-5k 13 $5,245,000 $403,462

    Fidelity Bank's average total fees were $3,799, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 752 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 500 $134,790,000 $269,580
    4-5% 348 $109,250,000 $313,937
    3-4% 294 $72,610,000 $246,973
    6-7% 240 $80,940,000 $337,250
    2.5-3% 134 $20,010,000 $149,328
    7-8% 62 $14,790,000 $238,548
    Over 8% 18 $1,340,000 $74,444
    <2.5% 6 $2,050,000 $341,667

    During 2022, Fidelity Bank's average interest rate for loans was 5.01%, while their most frequently originated rate bucket for loans was 5-6%, with 500 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 491 $71,565,000 $145,754 $3,306 4.95%
    $200k-400k 471 $129,515,000 $274,979 $4,043 4.99%
    $100,000 or less 426 $26,230,000 $61,573 $2,253 5.08%
    $400k-600k 118 $56,700,000 $480,508 $3,658 4.93%
    $600k-1MM 65 $46,605,000 $717,000 $4,895 4.82%
    $1MM+ 31 $105,165,000 $3,392,419 $7,870 5.32%

    2022 saw Fidelity Bank place emphasis on $100k-200k loans with 491 originations, totaling $71,565,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 304 $65,530,000 $215,559 $3,692 5.04%
    $150k-250k 287 $80,765,000 $281,411 $3,541 5.10%
    $50k-75k 285 $44,085,000 $154,684 $3,644 4.85%
    $75k-100k 232 $41,390,000 $178,405 $3,521 5.02%
    $50k or less 184 $19,720,000 $107,174 $3,194 4.82%
    $250k+ 157 $68,635,000 $437,166 $4,214 5.12%

    Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 304 originations. The second most popular income band? $150k-250k, with 287 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 328 $72,800,000 $221,951 $3,407 4.88%
    30-36% 290 $58,580,000 $202,000 $3,372 4.84%
    <20% 116 $30,990,000 $267,155 $3,298 4.65%
    42% 110 $18,680,000 $169,818 $3,483 5.05%
    41% 81 $17,215,000 $212,531 $3,530 5.14%
    40% 73 $14,805,000 $202,808 $2,899 5.05%
    39% 66 $14,950,000 $226,515 $3,270 5.24%
    37% 56 $13,330,000 $238,036 $3,669 5.36%
    36% 54 $13,170,000 $243,889 $4,473 5.17%
    44% 52 $10,450,000 $200,962 $3,449 5.62%
    38% 49 $9,595,000 $195,816 $3,757 5.05%
    43% 36 $8,040,000 $223,333 $3,425 5.40%
    49% 32 $6,830,000 $213,438 $3,866 5.02%
    46% 29 $9,905,000 $341,552 $4,442 5.08%
    47% 28 $6,900,000 $246,429 $5,004 5.09%
    50-60% 27 $6,925,000 $256,481 $6,376 4.92%
    45% 26 $6,710,000 $258,077 $4,055 5.10%
    48% 16 $4,750,000 $296,875 $4,039 4.55%
    >60% 3 $265,000 $88,333 $685 5.47%

    Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 328 originations. The next most common DTI ratio? 30-36%, with 290 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,163 $251,795,000 $216,505 $3,538 4.98%
    Not applicable 125 $110,045,000 $880,360 $694 5.03%
    Not provided 206 $44,670,000 $216,845 $3,445 5.09%
    Asian 39 $12,225,000 $313,462 $3,986 4.90%
    Black 41 $9,885,000 $241,098 $5,316 4.82%
    American Indian 24 $4,030,000 $167,917 $4,354 5.35%
    Native Hawaiian or Islander 1 $1,485,000 $1,485,000 $4,904 5.25%
    Asian Indian 2 $1,240,000 $620,000 $2,279 4.87%
    Vietnamese 1 $405,000 $405,000 $0 3.75%

    Approval Rates

    Total approvals of all applications
    85.44%

    Fidelity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.40%

    Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,602 $435,780,000 $272,022

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,602 $435,780,000 $272,022

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 264 $35,950,000 $136,174 $2,185 5.01%
    40-60% 162 $41,880,000 $258,519 $3,349 4.64%
    60-80% 424 $185,380,000 $437,217 $3,459 4.86%
    80-100% 560 $154,010,000 $275,018 $3,983 5.13%
    Over 100% 6 $1,810,000 $301,667 $12,450 4.40%
    Under 20% 186 $16,750,000 $90,054 $1,007 5.21%