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

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%	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

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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

3,099

Origination Dollar Volume (All Markets)

$753,785,000

Employee count

518

Awards

Fidelity Bank 30 Year Conventional Loans bronze

Fidelity Bank 30 Year Conventional Loans gold

Fidelity Bank 30 Year Conventional Loans silver

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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Similarity Rank: 340

CapGrow Home Mortgage, LLC
Similarity Rank: 352

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