Fidelity Bank Mortgage Rates, Fees & Info
Wichita, KSLEI: 549300L9MOPDT0NKE883
Tax ID: 48-0630879
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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, St. Louis, and Memphis among others. We have data for 187 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/3/24 |
| 30 Year Conventional Purchase | 6.61% | 12/3/24 |
| 30 Year Conventional Refi | 6.47% | 12/3/24 |
| 30 Year Cash-out Refi | 6.59% | 12/3/24 |
| 30 Year FHA Purchase | 7.41% | 12/3/24 |
| 30 Year FHA Refi | 6.92% | 12/3/24 |
| 30 Year VA Purchase | 6.31% | 12/3/24 |
| 30 Year VA Refi | 6.27% | 12/3/24 |
| 30 Year USDA Purchase | 6.75% | 12/3/24 |
| 15 Year Conventional Purchase | 6.11% | 12/3/24 |
| 15 Year Conventional Refi | 6.03% | 12/3/24 |
| 15 Year Cash-out Refi | 6.03% | 12/3/24 |
| 15 Year FHA Purchase | 5.68% | 12/3/24 |
| 15 Year FHA Refi | 5.68% | 12/3/24 |
| 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
2,551Origination Dollar Volume (All Markets)
$621,445,000Employee count
529Awards
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Fidelity Bank - 2021
Fidelity Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 1,180 | $253,610,000 | $214,924 | $2,916 | 2.96% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 548 | $155,940,000 | $284,562 | $2,718 | 2.99% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 149 | $43,885,000 | $294,530 | $2,665 | 3.73% |
| Outside of Metro Areas | 59 | $11,205,000 | $189,915 | $3,196 | 2.89% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 42 | $9,380,000 | $223,333 | $2,658 | 2.83% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 38 | $8,300,000 | $218,421 | $2,330 | 2.72% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 25 | $8,055,000 | $322,200 | $3,501 | 2.78% |
| TULSA, OK (FHA|USDA|VA) | 23 | $7,505,000 | $326,304 | $3,192 | 3.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $6,115,000 | $265,870 | $3,201 | 2.96% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $5,920,000 | $986,667 | $3,201 | 2.93% |
| SANTA FE, NM (FHA|USDA|VA) | 20 | $5,060,000 | $253,000 | $3,445 | 2.72% |
| Los Alamos, NM (FHA|USDA|VA) | 20 | $3,810,000 | $190,500 | $3,399 | 2.56% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $3,695,000 | $410,556 | $2,861 | 3.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $3,445,000 | $382,778 | $3,589 | 2.64% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 15 | $3,445,000 | $229,667 | $2,414 | 2.70% |
| LAWRENCE, KS (FHA|USDA|VA) | 14 | $3,350,000 | $239,286 | $2,831 | 2.90% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 12 | $3,190,000 | $265,833 | $3,627 | 2.95% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $2,915,000 | $416,429 | $3,091 | 3.05% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $2,580,000 | $215,000 | $2,271 | 2.90% |
| Winfield, KS (FHA|USDA|VA) | 13 | $2,505,000 | $192,692 | $3,409 | 2.84% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $2,163 | 2.83% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $2,235,000 | $248,333 | $2,455 | 2.82% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $2,120,000 | $530,000 | $4,337 | 2.56% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $2,959 | 2.77% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $3,890 | 2.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $5,096 | 2.94% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $4,220 | 2.80% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $1,665,000 | $1,665,000 | $0 | 3.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $2,711 | 2.90% |
| Hutchinson, KS (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $2,862 | 2.89% |
| RENO, NV (FHA|USDA|VA) | 1 | $1,435,000 | $1,435,000 | $0 | 3.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $2,672 | 2.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $3,438 | 2.88% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $0 | 4.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $3,279 | 2.59% |
| TOPEKA, KS (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $2,587 | 2.72% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $3,224 | 2.97% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $2,909 | 2.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $2,601 | 2.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $4,528 | 3.13% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $3,531 | 2.96% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $0 | 3.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,154 | 2.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,827 | 3.69% |
| MANHATTAN, KS (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $2,403 | 2.78% |
| KANKAKEE, IL (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,476 | 2.43% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,122 | 2.66% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $2,401 | 2.90% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $6,731 | 3.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,929 | 2.94% |
| Ottawa, IL (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $2,535 | 2.35% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,624 | 3.06% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,720 | 2.54% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $2,211 | 3.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,215 | 2.66% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $2,207 | 2.58% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $4,297 | 3.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,850 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,398 | 2.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,682 | 3.25% |
| Durango, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,661 | 2.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,332 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,410 | 2.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,055 | 2.44% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 3.75% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 2.96% |
| McAlester, OK (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,801 | 3.50% |
| OCALA, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,741 | 2.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,531 | 3.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $1,863 | 3.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,008 | 2.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,132 | 2.81% |
| Pullman, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,452 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $15,257 | 2.63% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,213 | 2.94% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,215 | 3.13% |
| Salina, KS (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,417 | 2.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,029 | 3.38% |
| Riverton, WY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,102 | 3.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,695 | 2.75% |
| Warsaw, IN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $1,970 | 2.83% |
| Marshall, MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,113 | 2.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,954 | 3.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $2,657 | 3.03% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,796 | 3.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,490 | 3.00% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,248 | 2.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,467 | 2.69% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,110 | 2.88% |
| McPherson, KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,064 | 2.94% |
| ENID, OK (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,273 | 3.19% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,385 | 3.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,310 | 2.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,349 | 2.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $2,469 | 2.67% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,256 | 2.88% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,051 | 3.00% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,441 | 3.25% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,335 | 2.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.50% |
| FOND DU LAC, WI (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $2,136 | 2.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,363 | 2.81% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,466 | 2.94% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,050 | 2.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,436 | 2.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,233 | 3.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,582 | 2.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,163 | 3.00% |
| Garden City, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,245 | 2.88% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,911 | 3.25% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,971 | 3.00% |
| Altus, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,305 | 3.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,988 | 3.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,183 | 3.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,534 | 2.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,703 | 3.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,424 | 3.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,678 | 2.63% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,731 | 3.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,843 | 3.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,089 | 2.63% |
| Dixon, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,974 | 2.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,369 | 3.13% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,150 | 3.38% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,014 | 2.63% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,452 | 3.00% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,120 | 2.63% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,749 | 2.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,229 | 2.63% |
| Dodge City, KS (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,684 | 3.06% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,270 | 2.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,701 | 2.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,150 | 2.88% |
| Española, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,142 | 3.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,956 | 2.50% |
| READING, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,399 | 3.00% |
| FLINT, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,867 | 3.63% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 2.88% |
| Kearney, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,369 | 3.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,556 | 2.88% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,303 | 2.50% |
| Duncan, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,042 | 2.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,765 | 2.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,342 | 2.63% |
| Dayton, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,802 | 2.50% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,041 | 2.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,047 | 2.38% |
| Bennington, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,833 | 2.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,229 | 2.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,104 | 2.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,162 | 2.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,668 | 2.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,988 | 2.63% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,592 | 3.13% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,599 | 2.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,231 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,745 | 2.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,445 | 3.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,267 | 2.38% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,795 | 2.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,369 | 3.00% |
| Taos, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,205 | 2.38% |
| Mason City, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,728 | 2.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,477 | 2.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,021 | 2.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,576 | 2.50% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,121 | 3.00% |
| Ada, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,792 | 2.25% |
| Bedford, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,448 | 2.00% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,728 | 2.50% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,394 | 2.50% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,718 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,220 | 2.88% |
| Branson, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.00% |
| Freeport, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,494 | 2.13% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,484 | 2.50% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,423 | 2.25% |
| Effingham, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,891 | 2.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.79% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,381 | 2.25% |
| Winona, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,939 | 2.38% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,279 | 3.38% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,476 | 2.38% |
| Austin, MN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,939 | 2.88% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $725 | 4.74% |
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Product Mix
For 2021, Fidelity Bank's most frequently originated type of loan was Conventional, with 2,339 originations. Their 2nd most popular type was FHA, with 125 originations.
Loan Reason
For 2021, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 1,052 originations. The 2nd most popular reason was Refi, with 880 originations.
Loan Duration/Length
For 2021, Fidelity Bank's most frequently cited loan duration was 30 Year, with 1,637 originations. The 2nd most popular length was 15 Year, with 584 originations.
Origination Fees/Closing Costs
Fidelity Bank's average total fees were $3,174, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,991 originations.
Interest Rates
During 2021, Fidelity Bank's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,143 originations.
Loan Sizing
2021 saw Fidelity Bank place emphasis on $100k-200k loans with 978 originations, totaling $146,660,000 in origination value.
Applicant Income
Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 565 originations. The second most popular income band? $50k-75k, with 565 originations.
Applicant Debt to Income Ratio
Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 721 originations. The next most common DTI ratio? 30-36%, with 514 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.26%
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 origination82.44%
Fidelity Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,551 | $621,445,000 | $243,608 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Fidelity National Financial, Inc | VA mortgage | Closing on a mortgage | 1 | 4.5% |
| Fidelity National Financial, Inc | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 9.1% |
| Fidelity National Financial, Inc | Conventional home mortgage | Closing on a mortgage | 11 | 50.0% |
| Fidelity National Financial, Inc | Conventional home mortgage | Struggling to pay mortgage | 1 | 4.5% |
| Fidelity National Financial, Inc | Conventional home mortgage | Trouble during payment process | 2 | 9.1% |
| Fidelity National Financial, Inc | FHA mortgage | Closing on a mortgage | 2 | 9.1% |
| Fidelity National Financial, Inc | Other type of mortgage | Closing on a mortgage | 1 | 4.5% |
| Fidelity National Financial, Inc | Other type of mortgage | Struggling to pay mortgage | 2 | 9.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Fidelity Bank, National Association | 100 East English Street Wichita, KS 67202 | Full Service B&M | $1,307,966 |
| Fidelity Bank, National Association | 1020 Nw 150th St Edmond, OK 73013 | Full Service B&M | $49,327 |
| Fidelity Bank, National Association | 1127 East 2nd St Edmond, OK 73034 | Full Service B&M | $18,815 |
| Fidelity Bank, National Association | 12715 East Central Wichita, KS 67206 | Full Service B&M | $67,062 |
| Fidelity Bank, National Association | 1306 North Woodlawn St Wichita, KS 67208 | Full Service B&M | $42,585 |
| Fidelity Bank, National Association | 14435 Metcalf Avenue Overland Park, KS 66223 | Full Service B&M | $67,630 |
| Fidelity Bank, National Association | 2111 North Bradley Fair Pkwy Wichita, KS 67206 | Full Service B&M | $75,915 |
| Fidelity Bank, National Association | 2225 West Hefner Rd Oklahoma City, OK 73120 | Full Service B&M | $68,674 |
| Fidelity Bank, National Association | 2251 North Maize Road Wichita, KS 67205 | Full Service B&M | $101,841 |
| Fidelity Bank, National Association | 2265 North Amidon Ave Wichita, KS 67204 | Full Service B&M | $76,864 |
| Fidelity Bank, National Association | 2542 North Rock Rd Derby, KS 67037 | Full Service B&M | $51,812 |
| Fidelity Bank, National Association | 2721 East Central Avnue Wichita, KS 67214 | Full Service B&M | $442 |
| Fidelity Bank, National Association | 3128 South Seneca St Wichita, KS 67217 | Full Service B&M | $64,862 |
| Fidelity Bank, National Association | 3525 E. Harry St Wichita, KS 67218 | Full Service B&M | $41,176 |
| Fidelity Bank, National Association | 3641 North Woodlawn Wichita, KS 67220 | Full Service B&M | $65,454 |
| Fidelity Bank, National Association | 624 S. Boston Ave. Tulsa, OK 74119 | Full Service B&M | $29,374 |
| Fidelity Bank, National Association | 6901 West Hefner Rd Oklahoma City, OK 73162 | Full Service B&M | $28,591 |
| Fidelity Bank, National Association | 7711 East Harry St Wichita, KS 67207 | Full Service B&M | $42,018 |
| Fidelity Bank, National Association | 8442 West 13th Street N Wichita, KS 67212 | Full Service B&M | $69,124 |
| Fidelity Bank, National Association | 9300 West Central Ave Wichita, KS 67212 | Full Service B&M | $75,755 |
| Fidelity Bank, National Association | 9400 North Broadway Extension Oklahoma City, OK 73114 | Full Service B&M | $73,790 |
For 2021, Fidelity Bank had 21 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $98,330 |
| Net interest income | $92,172 |
| Total noninterest income | $37,896 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,283 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $35,613 |
| Pre-tax net operating income | $34,928 |
| Securities gains (or losses, -) | $-8,318 |
| Income before extraordinary items | $20,832 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $20,832 |
| Minority interest net income | $0 |
| Net income | $20,832 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $27,403 |
Fidelity Bank's gross interest income from loans was $98,330,000.
Fidelity Bank's net interest income from loans was $92,172,000.
Fidelity Bank's fee based income from loans was $2,283,000.
Fidelity Bank's net income from loans was $20,832,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $6,158 |
| Provision for credit losses | $-2,461 |
| Total noninterest expense | $97,601 |
| Salaries and employee benefits | $52,626 |
| Premises and equipment expense | $19,020 |
| Additional noninterest expense | $25,955 |
| Applicable income taxes | $5,778 |
| Net charge-offs | $115 |
| Cash dividends | $14,000 |
Fidelity Bank's interest expense for loans was $6,158,000.
Fidelity Bank's payroll and benefits expense were $52,626,000.
Fidelity Bank's property, plant and equipment expenses $19,020,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,423,055 |
| Deposits held in domestic offices | $2,423,055 |
| Deposits by Individuals, partnerships, and corporations | $2,277,723 |
| Deposits by U.S. Government | $22 |
| Deposits by States and political subdivisions in the U.S. | $144,100 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,209 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $246,595 |
| Demand deposits | $122,386 |
| Nontransaction accounts | $2,176,459 |
| Money market deposit accounts (MMDAs) | $1,734,774 |
| Other savings deposits (excluding MMDAs) | $109,320 |
| Total time deposits | $332,365 |
| Total time and savings deposits | $2,300,668 |
| Noninterest-bearing deposits | $536,705 |
| Interest-bearing deposits | $1,886,350 |
| Retail deposits | $2,239,638 |
| IRAs and Keogh plan accounts | $38,017 |
| Brokered deposits | $144,775 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,824,450 |
| Cash & Balances due from depository institutions | $89,623 |
| Interest-bearing balances | $50,541 |
| Total securities | $83,575 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,183,423 |
| Loan and leases loss allowance | $26,188 |
| Trading account assets | $181,040 |
| Bank premises and fixed assets | $83,418 |
| Other real estate owned | $630 |
| Goodwill and other intangibles | $71,030 |
| All other assets | $131,711 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,824,450 |
| Total Liabilities | $2,546,283 |
| Total deposits | $2,423,055 |
| Interest-bearing deposits | $1,886,350 |
| Deposits held in domestic offices | $2,423,055 |
| % insured (estimated) | $67 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $84,541 |
| Subordinated debt | $0 |
| All other liabilities | $38,687 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,183,423 |
| Loan and leases loss allowance | $26,188 |
| Total loans and leases (domestic) | $2,209,611 |
| All real estate loans | $1,868,866 |
| Real estate loans in domestic offices | $1,868,866 |
| Construction and development loans | $232,898 |
| Residential 1-4 family construction | $139,545 |
| Other construction, all land development and other land | $93,353 |
| Loans secured by nonfarm nonresidential properties | $935,179 |
| Nonfarm nonresidential secured by owner-occupied properties | $236,920 |
| Commercial real estate & other non-farm, non-residential | $698,259 |
| Multifamily residential real estate | $230,590 |
| 1-4 family residential loans | $469,208 |
| Farmland loans | $991 |
| Loans held in foreign offices | $0 |
| Farm loans | $181 |
| Commercial and industrial loans | $182,674 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $136,818 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $69,568 |
| Other loans to individuals | $67,250 |
| All other loans & leases | $21,073 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $21,073 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $30,125 |
| Non 1-4 family restructured loans & leases | $1,021 |
| Total loans and leases (foreign) | $0 |
Fidelity Bank had $2,183,423,000 of loans outstanding in 2021. $1,868,866,000 of loans were in real estate loans. $232,898,000 of loans were in development loans. $230,590,000 of loans were in multifamily mortgage loans. $469,208,000 of loans were in 1-4 family mortgage loans. $181,000 of loans were in farm loans. $0 of loans were in credit card loans. $69,568,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 209 | $69,613 | $333,077 |
| Nonfarm, nonresidential loans - <$100k | 14 | $291 | $20,786 |
| Nonfarm, nonresidential loans - $100-250k | 46 | $5,228 | $113,652 |
| Nonfarm, nonresidential loans - $250k-1MM | 149 | $64,094 | $430,161 |
| Commercial & Industrial, US addressed loans - <$1MM | 430 | $34,725 | $80,756 |
| Commercial & Industrial, US addressed loans - <$100k | 231 | $3,419 | $14,801 |
| Commercial & Industrial, US addressed loans - $100-250k | 82 | $5,786 | $70,561 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 117 | $25,520 | $218,120 |
| Farmland loans - <$1MM | 7 | $431 | $61,571 |
| Farmland loans - <$100k | 6 | $94 | $15,667 |
| Farmland loans - $250k-1MM | 1 | $337 | $337,000 |
| Agriculture operations loans - <$1MM | 3 | $181 | $60,333 |
| Agriculture operations loans - <$100k | 3 | $181 | $60,333 |