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, 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.

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%	5/5/24
30 Year Conventional Purchase	6.61%	5/5/24
30 Year Conventional Refi	6.47%	5/5/24
30 Year Cash-out Refi	6.59%	5/5/24
30 Year FHA Purchase	7.41%	5/5/24
30 Year FHA Refi	6.92%	5/5/24
30 Year VA Purchase	6.31%	5/5/24
30 Year VA Refi	6.27%	5/5/24
30 Year USDA Purchase	6.75%	5/5/24
15 Year Conventional Purchase	6.11%	5/5/24
15 Year Conventional Refi	6.03%	5/5/24
15 Year Cash-out Refi	6.03%	5/5/24
15 Year FHA Purchase	5.68%	5/5/24
15 Year FHA Refi	5.68%	5/5/24
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

2,551

Origination Dollar Volume (All Markets)

$621,445,000

Employee count

529

Awards

Fidelity Bank 30 Year Conventional Loans gold

Fidelity Bank 30 Year Conventional Loans bronze

Fidelity Bank 30 Year Conventional Loans silver

Show all (7) 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)	1,180	$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%

Fidelity Bank's top markets include Wichita, Kansas City, Oklahoma City, St. Louis, and Memphis among others.

Their top states include:

Kansas (FHA|USDA|VA)

Oklahoma (FHA|USDA|VA)

Missouri (FHA|USDA|VA)

New Mexico (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,339	$577,305,000	$246,817	$2,604	2.98%
FHA	125	$21,065,000	$168,520	$5,617	3.11%
VA	76	$21,260,000	$279,737	$6,308	2.84%
USDA	11	$1,815,000	$165,000	$4,240	2.80%

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

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,052	$273,230,000	$259,724	$3,459	3.12%
Refi	880	$216,860,000	$246,432	$2,444	2.77%
Cash Out Refi	547	$121,885,000	$222,824	$2,776	2.92%
Home Improvement	38	$2,960,000	$77,895	$504	4.60%
Other	34	$6,510,000	$191,471	$2,060	3.62%

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

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,637	$393,085,000	$240,125	$3,174	3.06%
15 Year	584	$119,120,000	$203,973	$2,524	2.51%
20 Year	205	$47,875,000	$233,537	$2,038	3.56%
10 Year	85	$26,575,000	$312,647	$2,052	3.04%
Other	29	$17,265,000	$595,345	$2,101	3.42%
5 Year	8	$9,280,000	$1,160,000	$233	4.17%
3 Year	3	$8,245,000	$2,748,333	$0	3.66%

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

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,991	$452,655,000	$227,351
$1k-2k	297	$61,085,000	$205,673
$2k-3k	35	$10,735,000	$306,714
$3k-4k	12	$5,250,000	$437,500
$4k-5k	5	$2,105,000	$421,000
$5k+	3	$1,265,000	$421,667

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

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	1,143	$268,095,000	$234,554
3-4%	707	$199,495,000	$282,171
<2.5%	557	$106,885,000	$191,894
4-5%	117	$45,065,000	$385,171
5-6%	15	$1,145,000	$76,333
6-7%	10	$610,000	$61,000
7-8%	2	$150,000	$75,000

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

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	978	$146,660,000	$149,959	$2,703	2.91%
$200k-400k	926	$252,850,000	$273,056	$3,111	2.93%
$100,000 or less	365	$26,755,000	$73,301	$2,077	3.24%
$400k-600k	220	$105,790,000	$480,864	$3,484	2.95%
$600k-1MM	35	$26,025,000	$743,571	$5,488	3.31%
$1MM+	27	$63,365,000	$2,346,852	$6,341	3.77%

2021 saw Fidelity Bank place emphasis on $100k-200k loans with 978 originations, totaling $146,660,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	565	$139,765,000	$247,372	$2,811	2.95%
$50k-75k	565	$92,245,000	$163,265	$2,814	2.90%
$150k-250k	409	$117,435,000	$287,127	$2,857	3.05%
$75k-100k	398	$85,380,000	$214,523	$2,990	2.90%
$50k or less	352	$42,430,000	$120,540	$2,793	2.93%
$250k+	174	$73,550,000	$422,701	$3,539	3.09%

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

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	721	$161,685,000	$224,251	$2,804	2.92%
30-36%	514	$118,300,000	$230,156	$3,044	2.97%
<20%	337	$71,455,000	$212,033	$2,528	2.76%
42%	96	$20,210,000	$210,521	$2,831	3.22%
39%	84	$18,850,000	$224,405	$2,868	2.98%
37%	84	$22,340,000	$265,952	$2,916	2.96%
38%	81	$17,245,000	$212,901	$2,960	3.03%
36%	74	$15,100,000	$204,054	$2,988	3.21%
44%	71	$15,155,000	$213,451	$3,168	3.01%
40%	70	$15,830,000	$226,143	$3,009	3.04%
43%	66	$13,780,000	$208,788	$2,892	2.99%
41%	66	$14,130,000	$214,091	$2,685	3.20%
46%	48	$9,820,000	$204,583	$3,585	2.91%
47%	45	$10,125,000	$225,000	$2,833	2.95%
45%	39	$10,255,000	$262,949	$3,359	2.92%
49%	37	$8,455,000	$228,514	$3,127	2.99%
48%	36	$9,900,000	$275,000	$3,227	2.98%
50-60%	20	$4,480,000	$224,000	$4,204	2.98%
>60%	3	$725,000	$241,667	$1,919	3.96%

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

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,032	$447,880,000	$220,413	$2,874	2.96%
Not provided	275	$63,725,000	$231,727	$2,833	2.94%
Not applicable	52	$63,030,000	$1,212,115	$0	4.16%
Asian	75	$19,675,000	$262,333	$2,842	3.06%
Black	61	$13,295,000	$217,951	$3,579	2.95%
American Indian	35	$8,055,000	$230,143	$3,276	2.96%
Asian Indian	15	$4,125,000	$275,000	$2,613	3.29%
Chinese	3	$1,055,000	$351,667	$3,097	2.50%
Other Asian	2	$450,000	$225,000	$2,929	3.06%
Filipino	1	$155,000	$155,000	$2,418	3.50%

Approval Rates

Total approvals of all applications
98.26%

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 origination
82.44%

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

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,551	$621,445,000	$243,608

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	189	$29,285,000	$154,947	$2,436	2.79%
40-60%	443	$104,725,000	$236,400	$2,499	2.72%
60-80%	998	$280,180,000	$280,741	$2,658	3.00%
80-100%	832	$197,060,000	$236,851	$3,458	3.02%
Over 100%	14	$4,370,000	$312,143	$11,693	2.92%
Under 20%	74	$5,620,000	$75,946	$991	4.37%

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