Fidelity Bank Mortgage Rates, Fees & Info
Wichita, KSLEI: 549300L9MOPDT0NKE883
Tax ID: 48-0630879
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Mortgage Data
Review & Overview
Fidelity Bank is a smaller bank specializing in Home Purchase loans. Fidelity Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Kansas City, Oklahoma City, Houston, and Mobile among others. We have data for 94 markets. (Some data included below & more in-depth data is available with an active subscription.)Fidelity Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fidelity Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/21/24 |
| 30 Year Conventional Purchase | 6.61% | 11/21/24 |
| 30 Year Conventional Refi | 6.47% | 11/21/24 |
| 30 Year Cash-out Refi | 6.59% | 11/21/24 |
| 30 Year FHA Purchase | 7.41% | 11/21/24 |
| 30 Year FHA Refi | 6.92% | 11/21/24 |
| 30 Year VA Purchase | 6.31% | 11/21/24 |
| 30 Year VA Refi | 6.27% | 11/21/24 |
| 30 Year USDA Purchase | 6.75% | 11/21/24 |
| 15 Year Conventional Purchase | 6.11% | 11/21/24 |
| 15 Year Conventional Refi | 6.03% | 11/21/24 |
| 15 Year Cash-out Refi | 6.03% | 11/21/24 |
| 15 Year FHA Purchase | 5.68% | 11/21/24 |
| 15 Year FHA Refi | 5.68% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Fidelity Bank Mortgage Calculator
Your Estimates
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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
1,602Origination Dollar Volume (All Markets)
$435,780,000Awards
Fidelity Bank - 2022
Fidelity Bank is a 2022 , due to their low .
For 2022, 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) | 846 | $183,310,000 | $216,678 | $3,591 | 4.97% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 317 | $90,195,000 | $284,527 | $2,979 | 4.96% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 197 | $39,015,000 | $198,046 | $2,752 | 5.36% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $26,115,000 | $8,705,000 | $5,489 | 6.36% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $16,530,000 | $8,265,000 | $0 | 5.40% |
| Outside of Metro Areas | 50 | $11,510,000 | $230,200 | $4,211 | 4.94% |
| TULSA, OK (FHA|USDA|VA) | 33 | $8,855,000 | $268,333 | $6,352 | 5.43% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $4,805,000 | $4,805,000 | $0 | 5.28% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $3,755,000 | $3,755,000 | $0 | 4.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $3,570,000 | $892,500 | $7,310 | 4.56% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $3,055,000 | $436,429 | $3,148 | 5.02% |
| LAWRENCE, KS (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $3,037 | 4.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $2,175,000 | $725,000 | $3,301 | 4.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $2,165,000 | $2,165,000 | $4,501 | 4.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $7,716 | 5.75% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $1,840,000 | $920,000 | $7,185 | 4.06% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,815,000 | $605,000 | $5,412 | 4.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $3,548 | 4.46% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,545,000 | $1,545,000 | $10,282 | 5.88% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $2,386 | 3.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $6,202 | 6.31% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $4,987 | 3.71% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $4,111 | 5.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $3,866 | 5.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,719 | 3.88% |
| Winfield, KS (FHA|USDA|VA) | 7 | $845,000 | $120,714 | $2,829 | 4.46% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,858 | 3.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,930 | 3.54% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $12,898 | 3.50% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,053 | 6.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,350 | 4.50% |
| Hutchinson, KS (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $4,953 | 5.28% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,338 | 6.63% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,570 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,890 | 3.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,268 | 3.75% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,069 | 3.79% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,813 | 4.81% |
| Bennington, VT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,176 | 6.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,265 | 3.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,307 | 5.25% |
| Hays, KS (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,617 | 5.81% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $16,405 | 4.56% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,512 | 5.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,930 | 5.38% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,228 | 2.38% |
| AKRON, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,500 | 4.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,777 | 3.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,335 | 4.31% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,555 | 5.75% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,417 | 6.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,666 | 3.75% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 3.88% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,477 | 7.00% |
| Duncan, OK (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,654 | 5.00% |
| Emporia, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 5.93% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,855 | 3.88% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,108 | 4.31% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,327 | 3.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,106 | 5.75% |
| Branson, MO (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,690 | 5.56% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,241 | 3.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,904 | 6.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,057 | 4.50% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,778 | 5.88% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,794 | 2.63% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,525 | 4.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,051 | 3.88% |
| Pittsburg, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,649 | 5.63% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,293 | 2.75% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,043 | 4.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,109 | 5.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,491 | 2.88% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,739 | 5.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,385 | 5.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,545 | 4.00% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.50% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,097 | 3.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,123 | 2.63% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,884 | 3.38% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,570 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,470 | 4.63% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,760 | 2.88% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.13% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,925 | 6.13% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,487 | 5.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,739 | 6.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,343 | 3.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,174 | 4.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,998 | 3.38% |
| McPherson, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.25% |
| Atchison, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.25% |
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We use machine learning to identify the top lenders compared against Fidelity Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Fidelity Bank's most frequently originated type of loan was Conventional, with 1,013 originations. Their 2nd most popular type was HELOC, with 430 originations.
Loan Reason
For 2022, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 870 originations. The 2nd most popular reason was Home Improvement, with 259 originations.
Loan Duration/Length
For 2022, Fidelity Bank's most frequently cited loan duration was 30 Year, with 1,266 originations. The 2nd most popular length was Other, with 122 originations.
Origination Fees/Closing Costs
Fidelity Bank's average total fees were $3,799, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 752 originations.
Interest Rates
During 2022, Fidelity Bank's average interest rate for loans was 5.01%, while their most frequently originated rate bucket for loans was 5-6%, with 500 originations.
Loan Sizing
2022 saw Fidelity Bank place emphasis on $100k-200k loans with 491 originations, totaling $71,565,000 in origination value.
Applicant Income
Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 304 originations. The second most popular income band? $150k-250k, with 287 originations.
Applicant Debt to Income Ratio
Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 328 originations. The next most common DTI ratio? 30-36%, with 290 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.44%
Fidelity Bank has an average approval rate.
Pick Rate
Approvals leading to origination79.40%
Fidelity Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,602 | $435,780,000 | $272,022 |