Fidelity Bank Mortgage Rates, Fees & Info

Wichita, KS

LEI: 549300L9MOPDT0NKE883

Tax ID: 48-0630879

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & 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 by origination volume include: Wichita, Kansas City, Oklahoma City, Boston, and St. Louis among others. We have data for 161 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fidelity Bank has an above 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% 11/21/24
    30 Year Conventional Purchase 6.61% 11/21/24
    30 Year Conventional Refi 6.47% 11/21/24
    30 Year Cash-out Refi 6.59% 11/21/24
    30 Year FHA Purchase 7.41% 11/21/24
    30 Year FHA Refi 6.92% 11/21/24
    30 Year VA Purchase 6.31% 11/21/24
    30 Year VA Refi 6.27% 11/21/24
    30 Year USDA Purchase 6.75% 11/21/24
    15 Year Conventional Purchase 6.11% 11/21/24
    15 Year Conventional Refi 6.03% 11/21/24
    15 Year Cash-out Refi 6.03% 11/21/24
    15 Year FHA Purchase 5.68% 11/21/24
    15 Year FHA Refi 5.68% 11/21/24
    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

    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

    3,099

    Origination Dollar Volume (All Markets)

    $753,785,000

    Employee count

    518 Show all (15) awards

    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) 1,282 $280,290,000 $218,635 $3,057 3.03%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 852 $248,800,000 $292,019 $2,605 3.04%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 340 $71,540,000 $210,412 $3,432 3.36%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 33 $11,295,000 $342,273 $3,042 2.92%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 50 $11,180,000 $223,600 $2,624 3.02%
    Outside of Metro Areas 40 $8,650,000 $216,250 $3,007 3.12%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 38 $8,370,000 $220,263 $2,400 2.96%
    Los Alamos, NM (FHA|USDA|VA) 23 $5,425,000 $235,870 $3,278 2.93%
    SANTA FE, NM (FHA|USDA|VA) 21 $5,345,000 $254,524 $3,575 2.98%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 18 $4,870,000 $270,556 $2,687 2.95%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 19 $4,005,000 $210,789 $2,967 3.01%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $3,665,000 $407,222 $4,012 3.28%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 17 $3,565,000 $209,706 $2,763 2.80%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $3,495,000 $499,286 $3,864 3.16%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,255,000 $361,667 $3,116 3.11%
    LAWRENCE, KS (FHA|USDA|VA) 12 $2,970,000 $247,500 $2,702 2.99%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $2,585,000 $287,222 $2,695 2.94%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $2,490,000 $249,000 $3,184 2.89%
    TULSA, OK (FHA|USDA|VA) 9 $2,165,000 $240,556 $3,017 3.03%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,130,000 $266,250 $3,059 3.02%
    RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,115,000 $302,143 $2,685 3.13%
    TOPEKA, KS (FHA|USDA|VA) 9 $2,035,000 $226,111 $2,899 3.11%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $1,815,000 $259,286 $2,290 2.71%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $1,705,000 $243,571 $2,708 3.04%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $1,640,000 $273,333 $2,695 3.04%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $1,600,000 $200,000 $3,122 2.94%
    Ottawa, KS (FHA|USDA|VA) 6 $1,580,000 $263,333 $4,246 3.15%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,510,000 $377,500 $3,230 3.13%
    Winfield, KS (FHA|USDA|VA) 10 $1,500,000 $150,000 $2,695 3.18%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,435,000 $287,000 $3,625 2.98%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,365,000 $455,000 $3,610 3.46%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $1,300,000 $216,667 $3,222 2.83%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,444 3.25%
    ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,085,000 $217,000 $2,912 3.20%
    BILLINGS, MT (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $4,212 4.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,020,000 $255,000 $2,475 3.09%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $985,000 $328,333 $3,370 3.00%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $895,000 $298,333 $2,811 3.04%
    Ardmore, OK (FHA|USDA|VA) 4 $880,000 $220,000 $4,166 4.03%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $875,000 $175,000 $2,240 2.98%
    FORT WAYNE, IN (FHA|USDA|VA) 4 $810,000 $202,500 $2,346 3.09%
    FRESNO, CA (FHA|USDA|VA) 3 $805,000 $268,333 $2,114 3.33%
    COLUMBUS, OH (FHA|USDA|VA) 3 $795,000 $265,000 $2,770 3.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 4 $780,000 $195,000 $2,400 2.88%
    BEND, OR (FHA|USDA|VA) 2 $770,000 $385,000 $3,772 2.88%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $765,000 $255,000 $3,282 2.92%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $755,000 $755,000 $3,805 3.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $715,000 $238,333 $2,837 2.88%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 4 $710,000 $177,500 $2,326 3.03%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $705,000 $235,000 $2,738 3.00%
    Salina, KS (FHA|USDA|VA) 2 $700,000 $350,000 $2,763 3.38%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $695,000 $231,667 $2,896 3.04%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $685,000 $228,333 $2,896 3.00%
    Breckenridge, CO (FHA|USDA|VA) 2 $650,000 $325,000 $3,364 2.88%
    Effingham, IL (FHA|USDA|VA) 3 $645,000 $215,000 $2,550 3.04%
    LONGVIEW, TX (FHA|USDA|VA) 2 $620,000 $310,000 $3,355 3.00%
    Hutchinson, KS (FHA|USDA|VA) 3 $615,000 $205,000 $2,366 3.96%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $610,000 $305,000 $2,219 3.13%
    VISALIA, CA (FHA|USDA|VA) 2 $610,000 $305,000 $3,530 3.38%
    MANHATTAN, KS (FHA|USDA|VA) 2 $590,000 $295,000 $2,632 2.31%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $570,000 $285,000 $2,806 2.69%
    KANKAKEE, IL (FHA|USDA|VA) 5 $555,000 $111,000 $2,346 2.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $530,000 $265,000 $3,218 2.63%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $520,000 $130,000 $2,449 2.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,378 3.13%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $500,000 $250,000 $2,503 2.94%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $495,000 $495,000 $2,393 2.63%
    DULUTH, MN-WI (FHA|USDA|VA) 3 $485,000 $161,667 $2,132 2.92%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $480,000 $240,000 $2,358 2.88%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $460,000 $230,000 $2,628 3.44%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $455,000 $455,000 $3,795 2.75%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $445,000 $445,000 $2,456 3.00%
    Shawnee, OK (FHA|USDA|VA) 2 $440,000 $220,000 $5,865 2.88%
    Pittsburg, KS (FHA|USDA|VA) 2 $440,000 $220,000 $3,386 3.31%
    Ottawa, IL (FHA|USDA|VA) 3 $425,000 $141,667 $3,332 3.33%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $420,000 $210,000 $2,400 2.75%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $415,000 $415,000 $3,765 3.00%
    Riverton, WY (FHA|USDA|VA) 1 $415,000 $415,000 $3,216 3.75%
    AKRON, OH (FHA|USDA|VA) 1 $405,000 $405,000 $6,586 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,935 3.75%
    Marshall, MN (FHA|USDA|VA) 1 $405,000 $405,000 $3,151 3.75%
    McAlester, OK (FHA|USDA|VA) 1 $405,000 $405,000 $3,616 2.63%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $405,000 $405,000 $2,374 2.50%
    WACO, TX (FHA|USDA|VA) 1 $405,000 $405,000 $3,956 2.88%
    MISSOULA, MT (FHA|USDA|VA) 1 $395,000 $395,000 $3,354 2.75%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $380,000 $190,000 $2,372 3.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $365,000 $365,000 $2,711 2.88%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $355,000 $118,333 $2,419 2.83%
    Durango, CO (FHA|USDA|VA) 1 $345,000 $345,000 $2,789 3.00%
    Athens, TN (FHA|USDA|VA) 1 $345,000 $345,000 $2,474 3.63%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $335,000 $335,000 $3,244 2.75%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $330,000 $165,000 $2,243 2.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $320,000 $160,000 $4,091 3.06%
    CLEVELAND, TN (FHA|USDA|VA) 2 $310,000 $155,000 $2,643 3.06%
    Dixon, IL (FHA|USDA|VA) 2 $310,000 $155,000 $1,986 3.19%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $295,000 $98,333 $3,682 3.00%
    Española, NM (FHA|USDA|VA) 1 $285,000 $285,000 $3,776 2.88%
    Las Vegas, NM (FHA|USDA|VA) 1 $275,000 $275,000 $3,593 4.00%
    STOCKTON, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,843 2.50%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $3,100 3.00%
    COLUMBIA, SC (FHA|USDA|VA) 1 $255,000 $255,000 $2,606 3.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,148 3.13%
    MADISON, WI (FHA|USDA|VA) 1 $255,000 $255,000 $2,228 2.88%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $255,000 $255,000 $4,731 2.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $250,000 $125,000 $2,207 2.94%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $245,000 $245,000 $2,684 2.75%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $245,000 $245,000 $2,304 3.25%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $245,000 $245,000 $2,611 2.75%
    SAVANNAH, GA (FHA|USDA|VA) 1 $245,000 $245,000 $2,684 3.00%
    Austin, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,604 2.88%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $235,000 $235,000 $3,264 2.50%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $235,000 $235,000 $2,752 2.88%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $225,000 $225,000 $2,960 3.50%
    RAPID CITY, SD (FHA|USDA|VA) 1 $225,000 $225,000 $2,483 3.13%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $220,000 $110,000 $3,194 2.81%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,243 2.75%
    Centralia, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,477 3.50%
    JACKSON, MS (FHA|USDA|VA) 1 $205,000 $205,000 $2,982 3.88%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $195,000 $195,000 $2,256 2.50%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,721 2.88%
    Sedalia, MO (FHA|USDA|VA) 1 $195,000 $195,000 $2,588 2.38%
    RICHMOND, VA (FHA|USDA|VA) 1 $195,000 $195,000 $2,790 3.50%
    Laurel, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,378 3.38%
    Branson, MO (FHA|USDA|VA) 2 $190,000 $95,000 $2,312 3.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,781 3.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $2,929 2.38%
    COLUMBIA, MO (FHA|USDA|VA) 1 $175,000 $175,000 $2,488 3.25%
    Liberal, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,534 2.88%
    Sterling, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,190 2.50%
    Newport, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,450 2.50%
    DOVER, DE (FHA|USDA|VA) 1 $165,000 $165,000 $2,356 2.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,560 3.00%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,464 2.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,114 2.88%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $155,000 $155,000 $1,911 2.38%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,318 2.88%
    Albertville, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,616 3.13%
    Ponca City, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,037 2.63%
    KOKOMO, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,346 3.00%
    Silver City, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,103 3.25%
    Warsaw, IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,431 3.25%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,426 2.75%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.88%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,342 2.38%
    HAMMOND, LA (FHA|USDA|VA) 1 $115,000 $115,000 $2,685 2.50%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,579 3.00%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,944 2.50%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
    Pontiac, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,704 2.63%
    Duncan, OK (FHA|USDA|VA) 1 $95,000 $95,000 $2,941 3.00%
    Auburn, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,111 2.88%
    Mason City, IA (FHA|USDA|VA) 1 $95,000 $95,000 $2,691 2.38%
    ROCHESTER, MN (FHA|USDA|VA) 1 $85,000 $85,000 $2,395 3.88%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $75,000 $75,000 $2,396 2.50%
    Kearney, NE (FHA|USDA|VA) 1 $75,000 $75,000 $2,456 2.75%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,421 2.75%
    Brownsville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $2,909 3.75%
    Mount Vernon, IL (FHA|USDA|VA) 1 $55,000 $55,000 $2,524 3.13%
    Dodge City, KS (FHA|USDA|VA) 1 $45,000 $45,000 $2,938 3.63%
    Fidelity Bank's top markets include Wichita, Kansas City, Oklahoma City, Boston, and St. Louis among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,743 $684,665,000 $249,604 $2,595 3.06%
    FHA 201 $32,645,000 $162,413 $5,492 3.21%
    VA 140 $34,510,000 $246,500 $5,369 2.88%
    USDA 15 $1,965,000 $131,000 $3,845 3.03%

    For 2020, Fidelity Bank's most frequently originated type of loan was Conventional, with 2,743 originations. Their 2nd most popular type was FHA, with 201 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,334 $329,080,000 $246,687 $3,540 3.13%
    Refi 1,217 $302,705,000 $248,730 $2,500 2.92%
    Cash Out Refi 491 $115,595,000 $235,428 $2,705 3.12%
    Other 38 $5,370,000 $141,316 $1,997 3.82%
    Home Improvement 19 $1,035,000 $54,474 $411 4.88%

    For 2020, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 1,334 originations. The 2nd most popular reason was Refi, with 1,217 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,136 $505,640,000 $236,723 $3,162 3.09%
    15 Year 602 $126,130,000 $209,518 $2,450 2.74%
    20 Year 209 $45,555,000 $217,967 $2,210 3.37%
    Other 87 $41,615,000 $478,333 $2,471 3.58%
    10 Year 57 $31,965,000 $560,789 $2,034 3.45%
    5 Year 4 $630,000 $157,500 $582 4.44%
    30+ year 3 $1,855,000 $618,333 $9,766 3.67%
    1 Year 1 $395,000 $395,000 $0 4.75%

    For 2020, Fidelity Bank's most frequently cited loan duration was 30 Year, with 2,136 originations. The 2nd most popular length was 15 Year, with 602 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,584 $607,170,000 $234,973
    $1k-2k 214 $42,190,000 $197,150
    $2k-3k 26 $6,620,000 $254,615
    $3k-4k 11 $3,135,000 $285,000
    $5k+ 8 $4,850,000 $606,250
    $4k-5k 2 $730,000 $365,000

    Fidelity Bank's average total fees were $3,162, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,584 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,363 $341,885,000 $250,833
    3-4% 1,136 $257,330,000 $226,523
    <2.5% 451 $98,865,000 $219,213
    4-5% 125 $53,915,000 $431,320
    5-6% 18 $1,510,000 $83,889
    6-7% 5 $225,000 $45,000
    7-8% 1 $55,000 $55,000

    During 2020, Fidelity Bank's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,363 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,230 $344,030,000 $279,699 $3,077 2.97%
    $100k-200k 1,183 $178,635,000 $151,002 $2,844 3.04%
    $100,000 or less 378 $27,420,000 $72,540 $2,278 3.45%
    $400k-600k 265 $123,425,000 $465,755 $3,311 2.96%
    $600k-1MM 22 $17,310,000 $786,818 $3,527 3.56%
    $1MM+ 21 $62,965,000 $2,998,333 $7,005 3.94%

    2020 saw Fidelity Bank place emphasis on $200k-400k loans with 1,230 originations, totaling $344,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 744 $184,440,000 $247,903 $2,952 3.02%
    $50k-75k 606 $101,060,000 $166,766 $2,961 3.05%
    $75k-100k 533 $106,385,000 $199,597 $2,897 3.00%
    $150k-250k 525 $159,785,000 $304,352 $2,843 3.04%
    $50k or less 399 $51,525,000 $129,135 $3,049 3.07%
    $250k+ 230 $86,830,000 $377,522 $3,015 3.17%

    Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 744 originations. The second most popular income band? $50k-75k, with 606 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 933 $220,325,000 $236,147 $2,759 3.01%
    30-36% 569 $127,555,000 $224,174 $3,022 3.06%
    <20% 488 $106,490,000 $218,217 $2,664 2.92%
    36% 103 $23,135,000 $224,612 $2,998 3.15%
    39% 102 $24,030,000 $235,588 $3,282 3.18%
    38% 95 $24,495,000 $257,842 $2,877 3.07%
    37% 89 $19,725,000 $221,629 $3,087 3.14%
    41% 89 $19,205,000 $215,787 $3,033 3.16%
    42% 81 $17,545,000 $216,605 $2,747 3.10%
    40% 77 $18,285,000 $237,468 $3,030 3.14%
    43% 73 $14,665,000 $200,890 $3,053 3.05%
    44% 64 $13,320,000 $208,125 $3,199 3.13%
    45% 57 $13,455,000 $236,053 $3,593 2.96%
    47% 50 $11,320,000 $226,400 $3,632 2.96%
    46% 48 $10,230,000 $213,125 $3,254 3.07%
    49% 40 $9,310,000 $232,750 $3,411 3.06%
    48% 33 $7,445,000 $225,606 $3,633 3.01%
    50-60% 32 $6,130,000 $191,563 $5,159 3.17%
    >60% 2 $610,000 $305,000 $4,075 2.94%

    Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 933 originations. The next most common DTI ratio? 30-36%, with 569 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,544 $571,900,000 $224,803 $2,946 3.04%
    Not provided 277 $66,745,000 $240,957 $2,895 3.00%
    Not applicable 59 $63,205,000 $1,071,271 $0 4.26%
    Asian 97 $23,925,000 $246,649 $2,663 3.09%
    Black 54 $10,660,000 $197,407 $3,254 3.19%
    Asian Indian 35 $10,345,000 $295,571 $2,860 3.04%
    American Indian 24 $5,270,000 $219,583 $3,637 2.94%
    Chinese 2 $620,000 $310,000 $2,447 2.88%
    Korean 3 $395,000 $131,667 $0 3.92%
    1 $275,000 $275,000 $2,423 2.88%
    Native Hawaiian 1 $175,000 $175,000 $5,575 3.50%
    Other Asian 1 $155,000 $155,000 $2,920 3.25%
    Vietnamese 1 $115,000 $115,000 $375 4.74%

    Approval Rates

    Total approvals of all applications
    98.66%

    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
    84.19%

    Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,099 $753,785,000 $243,235

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 21 $57,365,000 $2,731,667
    Single Family (1-4 Units):Manufactured 20 $2,450,000 $122,500
    Single Family (1-4 Units):Site-Built 3,058 $693,970,000 $226,936

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 153 $23,385,000 $152,843 $2,258 3.05%
    40-60% 474 $101,150,000 $213,397 $2,491 2.86%
    60-80% 1,261 $351,505,000 $278,751 $2,592 3.10%
    80-100% 1,140 $264,800,000 $232,281 $3,431 3.07%
    Over 100% 34 $9,860,000 $290,000 $9,302 2.96%
    Under 20% 37 $3,085,000 $83,378 $873 4.55%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Fidelity National Financial, Inc Conventional home mortgage Closing on a mortgage 8 53.3%
    Fidelity National Financial, Inc Conventional home mortgage Incorrect information on your report 1 6.7%
    Fidelity National Financial, Inc Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 6.7%
    Fidelity National Financial, Inc Conventional home mortgage Struggling to pay mortgage 1 6.7%
    Fidelity National Financial, Inc Home equity loan or line of credit (HELOC) Closing on a mortgage 2 13.3%
    Fidelity National Financial, Inc Other type of mortgage Closing on a mortgage 1 6.7%
    Fidelity National Financial, Inc VA mortgage Closing on a mortgage 1 6.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fidelity Bank, National Association 100 East English Street Wichita, KS 67202 Full Service B&M $1,130,708
    Fidelity Bank, National Association 1020 Nw 150th St Edmond, OK 73013 Full Service B&M $60,031
    Fidelity Bank, National Association 1127 East 2nd St Edmond, OK 73034 Full Service B&M $18,609
    Fidelity Bank, National Association 12715 East Central Wichita, KS 67206 Full Service B&M $63,740
    Fidelity Bank, National Association 1306 North Woodlawn St Wichita, KS 67208 Full Service B&M $44,085
    Fidelity Bank, National Association 14435 Metcalf Avenue Overland Park, KS 66223 Full Service B&M $67,803
    Fidelity Bank, National Association 2111 North Bradley Fair Pkwy Wichita, KS 67206 Full Service B&M $65,038
    Fidelity Bank, National Association 2225 West Hefner Rd Oklahoma City, OK 73120 Full Service B&M $73,030
    Fidelity Bank, National Association 2251 North Maize Road Wichita, KS 67205 Full Service B&M $105,004
    Fidelity Bank, National Association 2265 North Amidon Ave Wichita, KS 67204 Full Service B&M $71,180
    Fidelity Bank, National Association 2542 North Rock Rd Derby, KS 67037 Full Service B&M $49,284
    Fidelity Bank, National Association 2721 East Central Avnue Wichita, KS 67214 Full Service B&M $379
    Fidelity Bank, National Association 3128 South Seneca St Wichita, KS 67217 Full Service B&M $60,796
    Fidelity Bank, National Association 3525 E. Harry St Wichita, KS 67218 Full Service B&M $37,044
    Fidelity Bank, National Association 3641 North Woodlawn Wichita, KS 67220 Full Service B&M $59,180
    Fidelity Bank, National Association 4035 Nw Expressway Oklahoma City, OK 73116 Full Service B&M $13,273
    Fidelity Bank, National Association 6901 West Hefner Rd Oklahoma City, OK 73162 Full Service B&M $31,750
    Fidelity Bank, National Association 7711 East Harry St Wichita, KS 67207 Full Service B&M $42,756
    Fidelity Bank, National Association 8442 West 13th Street N Wichita, KS 67212 Full Service B&M $70,582
    Fidelity Bank, National Association 9300 West Central Ave Wichita, KS 67212 Full Service B&M $76,344
    Fidelity Bank, National Association 9400 North Broadway Extension Oklahoma City, OK 73114 Full Service B&M $58,434

    For 2020, Fidelity Bank had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $101,742
    Net interest income $86,605
    Total noninterest income $24,964
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,282
    Trading account gains and fees $0
    Additional Noninterest Income $22,682
    Pre-tax net operating income $19,958
    Securities gains (or losses, -) $11,693
    Income before extraordinary items $24,705
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $24,705
    Minority interest net income $0
    Net income $24,705
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,467

    Fidelity Bank's gross interest income from loans was $101,742,000.
    Fidelity Bank's net interest income from loans was $86,605,000.
    Fidelity Bank's fee based income from loans was $2,282,000.
    Fidelity Bank's net income from loans was $24,705,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,137
    Provision for credit losses $10,050
    Total noninterest expense $81,561
    Salaries and employee benefits $47,863
    Premises and equipment expense $16,820
    Additional noninterest expense $16,878
    Applicable income taxes $6,946
    Net charge-offs $894
    Cash dividends $16,500

    Fidelity Bank's interest expense for loans was $15,137,000.
    Fidelity Bank's payroll and benefits expense were $47,863,000.
    Fidelity Bank's property, plant and equipment expenses $16,820,000.

    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 0.0%
    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 $2,414,011
    Deposits held in domestic offices $2,414,011
    Deposits by Individuals, partnerships, and corporations $2,097,473
    Deposits by U.S. Government $8
    Deposits by States and political subdivisions in the U.S. $314,666
    Deposits by Commercial banks and other depository institutions in U.S. $1,864
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $248,679
    Demand deposits $128,565
    Nontransaction accounts $2,165,332
    Money market deposit accounts (MMDAs) $1,584,322
    Other savings deposits (excluding MMDAs) $96,236
    Total time deposits $484,775
    Total time and savings deposits $2,285,446
    Noninterest-bearing deposits $469,348
    Interest-bearing deposits $1,944,663
    Retail deposits $2,072,164
    IRAs and Keogh plan accounts $39,960
    Brokered deposits $243,011
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,802,382
    Cash & Balances due from depository institutions $65,912
    Interest-bearing balances $1,565
    Total securities $331,667
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,176,555
    Loan and leases loss allowance $28,362
    Trading account assets $0
    Bank premises and fixed assets $83,031
    Other real estate owned $1,268
    Goodwill and other intangibles $25,030
    All other assets $118,919

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,802,382
    Total Liabilities $2,556,462
    Total deposits $2,414,011
    Interest-bearing deposits $1,944,663
    Deposits held in domestic offices $2,414,011
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $113,644
    Subordinated debt $0
    All other liabilities $28,807

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,176,555
    Loan and leases loss allowance $28,362
    Total loans and leases (domestic) $2,204,917
    All real estate loans $1,762,447
    Real estate loans in domestic offices $1,762,447
    Construction and development loans $170,392
    Residential 1-4 family construction $94,342
    Other construction, all land development and other land $76,050
    Loans secured by nonfarm nonresidential properties $887,342
    Nonfarm nonresidential secured by owner-occupied properties $228,657
    Commercial real estate & other non-farm, non-residential $658,685
    Multifamily residential real estate $183,150
    1-4 family residential loans $520,987
    Farmland loans $576
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $312,033
    To non-U.S. addressees $0
    Loans to individuals $106,694
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $36,012
    Other loans to individuals $70,682
    All other loans & leases $23,743
    Loans to foreign governments and official institutions $0
    Other loans $23,743
    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 $28,776
    Non 1-4 family restructured loans & leases $2,023
    Total loans and leases (foreign) $0

    Fidelity Bank had $2,176,555,000 of loans outstanding in 2020. $1,762,447,000 of loans were in real estate loans. $170,392,000 of loans were in development loans. $183,150,000 of loans were in multifamily mortgage loans. $520,987,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $36,012,000 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 176 $68,809 $390,960
    Nonfarm, nonresidential loans - <$100k 7 $228 $32,571
    Nonfarm, nonresidential loans - $100-250k 33 $4,612 $139,758
    Nonfarm, nonresidential loans - $250k-1MM 136 $63,969 $470,360
    Commercial & Industrial, US addressed loans - <$1MM 523 $52,337 $100,071
    Commercial & Industrial, US addressed loans - <$100k 336 $8,274 $24,625
    Commercial & Industrial, US addressed loans - $100-250k 87 $10,222 $117,494
    Commercial & Industrial, US addressed loans - $250k-1MM 100 $33,841 $338,410
    Farmland loans - <$1MM 1 $152 $152,000
    Farmland loans - $100-250k 1 $152 $152,000