Fidelity Bank Mortgage Rates, Fees & Info

New Orleans, LA

LEI: 549300LE3ZOZXUS7W648

Tax ID: 72-0184470

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

Review & Overview

Fidelity Bank is a small bank specializing in Home Purchase and Refi loans. Fidelity Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New Orleans, Baton Rouge, Shreveport, Lafayette, and Lake Charles among others. We have data for 110 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 an average 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%	4/18/24
30 Year Conventional Purchase	6.85%	4/18/24
30 Year Conventional Refi	6.63%	4/18/24
30 Year Cash-out Refi	6.92%	4/18/24
30 Year FHA Purchase	7.45%	4/18/24
30 Year FHA Refi	6.27%	4/18/24
30 Year VA Purchase	6.36%	4/18/24
30 Year VA Refi	6.27%	4/18/24
30 Year USDA Purchase	6.89%	4/18/24
30 Year USDA Refi	6.21%	4/18/24
15 Year Conventional Purchase	6.41%	4/18/24
15 Year Conventional Refi	6.56%	4/18/24
15 Year Cash-out Refi	6.56%	4/18/24
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

Purchase Price:

Loan Amount:

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% Deposit:

Interest Rate:

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Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Fidelity Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

4,987

Origination Dollar Volume (All Markets)

$1,234,005,000

Employee count

336

Awards

FIDELITY BANK 30 Year Conventional Loans silver

FIDELITY BANK 30 Year Conventional Loans bronze

Show all (12) 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
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	2,374	$655,460,000	$276,099	$5,100	3.26%
BATON ROUGE, LA (FHA\|USDA\|VA)	504	$119,460,000	$237,024	$4,858	3.18%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	345	$74,765,000	$216,710	$4,878	3.11%
LAFAYETTE, LA (FHA\|USDA\|VA)	282	$59,110,000	$209,610	$4,462	3.15%
LAKE CHARLES, LA (FHA\|USDA\|VA)	234	$46,850,000	$200,214	$5,165	3.22%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	121	$34,195,000	$282,603	$5,423	3.03%
JACKSON, MS (FHA\|USDA\|VA)	135	$31,545,000	$233,667	$4,163	3.01%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	142	$29,840,000	$210,141	$5,531	3.30%
McComb, MS (FHA\|USDA\|VA)	112	$21,750,000	$194,196	$3,973	3.13%
HAMMOND, LA (FHA\|USDA\|VA)	84	$16,890,000	$201,071	$4,547	3.17%
Natchez, MS-LA (FHA\|USDA\|VA)	83	$13,755,000	$165,723	$4,556	3.11%
HATTIESBURG, MS (FHA\|USDA\|VA)	63	$13,695,000	$217,381	$3,866	3.19%
Outside of Metro Areas	76	$13,680,000	$180,000	$4,276	3.14%
Vicksburg, MS (FHA\|USDA\|VA)	42	$9,700,000	$230,952	$5,749	3.15%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	34	$8,760,000	$257,647	$4,120	3.06%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	30	$8,370,000	$279,000	$5,574	3.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	26	$6,400,000	$246,154	$5,293	3.08%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	20	$5,720,000	$286,000	$3,636	3.14%
Brookhaven, MS (FHA\|USDA\|VA)	30	$4,960,000	$165,333	$4,092	3.32%
Opelousas, LA (FHA\|USDA\|VA)	23	$4,625,000	$201,087	$4,811	3.10%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	15	$3,615,000	$241,000	$4,786	3.23%
DeRidder, LA (FHA\|USDA\|VA)	11	$2,845,000	$258,636	$4,550	2.90%
Cleveland, MS (FHA\|USDA\|VA)	13	$2,715,000	$208,846	$4,407	2.98%
Bogalusa, LA (FHA\|USDA\|VA)	13	$2,305,000	$177,308	$4,026	2.99%
Athens, TX (FHA\|USDA\|VA)	9	$2,125,000	$236,111	$5,348	3.44%
Minden, LA (FHA\|USDA\|VA)	11	$2,085,000	$189,545	$4,874	3.20%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	6	$1,920,000	$320,000	$6,977	3.38%
Picayune, MS (FHA\|USDA\|VA)	11	$1,685,000	$153,182	$4,426	3.42%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	3	$1,465,000	$488,333	$5,124	3.08%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	4	$1,440,000	$360,000	$4,749	2.66%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	4	$1,240,000	$310,000	$4,109	2.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	4	$1,020,000	$255,000	$4,501	3.09%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	4	$1,010,000	$252,500	$7,131	3.00%
Starkville, MS (FHA\|USDA\|VA)	3	$985,000	$328,333	$2,806	2.75%
MONROE, LA (FHA\|USDA\|VA)	5	$935,000	$187,000	$4,350	2.95%
LONGVIEW, TX (FHA\|USDA\|VA)	4	$930,000	$232,500	$4,990	2.63%
Jennings, LA (FHA\|USDA\|VA)	3	$885,000	$295,000	$6,800	3.54%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$880,000	$440,000	$4,169	3.44%
Oxford, MS (FHA\|USDA\|VA)	4	$770,000	$192,500	$3,214	2.72%
JACKSONVILLE, FL (FHA\|USDA\|VA)	2	$750,000	$375,000	$3,866	3.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	3	$705,000	$235,000	$6,620	3.42%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	3	$605,000	$201,667	$5,234	3.00%
ASHEVILLE, NC (FHA\|USDA\|VA)	2	$600,000	$300,000	$3,372	2.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	2	$600,000	$300,000	$2,912	2.56%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	3	$595,000	$198,333	$3,359	3.38%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	3	$575,000	$191,667	$3,939	3.08%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	3	$545,000	$181,667	$2,818	3.17%
MOBILE, AL (FHA\|USDA\|VA)	3	$545,000	$181,667	$3,015	3.08%
Ruston, LA (FHA\|USDA\|VA)	2	$540,000	$270,000	$6,123	3.19%
Columbus, MS (FHA\|USDA\|VA)	2	$530,000	$265,000	$37,304	2.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	3	$525,000	$175,000	$3,037	3.21%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,940	2.88%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	1	$515,000	$515,000	$5,733	3.00%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$515,000	$515,000	$3,996	3.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$515,000	$515,000	$4,970	3.25%
Natchitoches, LA (FHA\|USDA\|VA)	2	$490,000	$245,000	$2,631	3.19%
Morgan City, LA (FHA\|USDA\|VA)	4	$470,000	$117,500	$3,782	3.50%
Alexander City, AL (FHA\|USDA\|VA)	2	$430,000	$215,000	$3,361	2.81%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,313	3.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	2	$400,000	$200,000	$4,433	3.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$385,000	$385,000	$11,634	4.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	1	$385,000	$385,000	$9,261	2.75%
PITTSBURGH, PA (FHA\|USDA\|VA)	1	$375,000	$375,000	$4,602	2.75%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	1	$375,000	$375,000	$4,043	3.50%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$375,000	$375,000	$3,407	2.63%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$375,000	$375,000	$4,533	3.25%
Mineral Wells, TX (FHA\|USDA\|VA)	1	$355,000	$355,000	$5,009	3.13%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$355,000	$355,000	$15,038	3.38%
Pahrump, NV (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,316	2.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,331	3.50%
MONROE, MI (FHA\|USDA\|VA)	2	$330,000	$165,000	$2,890	2.75%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	2	$320,000	$160,000	$3,774	3.44%
Breckenridge, CO (FHA\|USDA\|VA)	1	$315,000	$315,000	$2,908	3.63%
Meridian, MS (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,894	2.38%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$315,000	$315,000	$4,305	3.00%
PROVO-OREM, UT (FHA\|USDA\|VA)	1	$305,000	$305,000	$5,484	3.50%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,085	3.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,265	3.25%
HOT SPRINGS, AR (FHA\|USDA\|VA)	1	$285,000	$285,000	$8,966	2.75%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	2.63%
SPRINGFIELD, MA (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,731	2.75%
Harrison, AR (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,122	2.75%
SUMTER, SC (FHA\|USDA\|VA)	1	$255,000	$255,000	$1,320	2.75%
ALEXANDRIA, LA (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,924	2.88%
Sedalia, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$8,190	3.13%
LIMA, OH (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	4.13%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,137	2.75%
Sevierville, TN (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,261	2.75%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$225,000	$225,000	$8,771	3.63%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,207	2.88%
STAUNTON, VA (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,288	3.13%
TYLER, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,674	2.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,042	4.13%
TUCSON, AZ (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,072	3.25%
Cañon City, CO (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,179	3.63%
MIDLAND, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,645	2.38%
Paris, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,199	2.75%
AKRON, OH (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,943	2.75%
BLOOMINGTON, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,802	3.63%
St. Marys, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,779	2.75%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,586	2.75%
Glasgow, KY (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,989	2.63%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,444	3.50%
Clarksdale, MS (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,628	2.50%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	3.50%
Greenville, MS (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,623	2.75%
Fort Payne, AL (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,398	3.50%
Indianola, MS (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,940	2.75%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.25%
Fort Polk South, LA (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,422	3.63%

Fidelity Bank's top markets include New Orleans, Baton Rouge, Shreveport, Lafayette, and Lake Charles among others.

Their top states include:

Louisiana (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Alabama (FHA|USDA|VA)

Similar Lenders

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,765	$975,795,000	$259,175	$4,417	3.23%
FHA	601	$115,845,000	$192,754	$7,397	3.26%
VA	387	$103,005,000	$266,163	$5,396	2.90%
USDA	234	$39,360,000	$168,205	$5,437	3.07%

For 2020, Fidelity Bank's most frequently originated type of loan was Conventional, with 3,765 originations. Their 2nd most popular type was FHA, with 601 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,637	$641,225,000	$243,165	$5,499	3.27%
Refi	1,652	$424,020,000	$256,671	$4,089	3.04%
Cash Out Refi	650	$159,450,000	$245,308	$4,759	3.26%
Other	27	$5,495,000	$203,519	$4,085	4.01%
Home Improvement	21	$3,815,000	$181,667	$4,511	3.70%

For 2020, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 2,637 originations. The 2nd most popular reason was Refi, with 1,652 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,188	$1,048,510,000	$250,361	$5,104	3.24%
15 Year	510	$112,770,000	$221,118	$3,999	2.83%
20 Year	163	$42,375,000	$259,969	$4,047	3.21%
Other	84	$22,070,000	$262,738	$4,258	3.07%
10 Year	36	$6,240,000	$173,333	$3,066	3.54%
5 Year	6	$2,040,000	$340,000	$742	5.36%

For 2020, Fidelity Bank's most frequently cited loan duration was 30 Year, with 4,188 originations. The 2nd most popular length was 15 Year, with 510 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	3,102	$728,960,000	$234,997
$2k-3k	769	$197,935,000	$257,393
$<1k	333	$83,115,000	$249,595
$3k-4k	302	$91,720,000	$303,709
$4k-5k	109	$35,595,000	$326,560
$5k+	109	$49,955,000	$458,303

Fidelity Bank's average total fees were $5,104, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,102 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	2,260	$575,600,000	$254,690
3-4%	2,067	$502,185,000	$242,954
4-5%	299	$70,725,000	$236,538
<2.5%	294	$70,510,000	$239,830
5-6%	54	$13,260,000	$245,556
6-7%	11	$1,675,000	$152,273
7-8%	2	$50,000	$25,000

During 2020, Fidelity Bank's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,260 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	2,348	$651,490,000	$277,466	$5,100	3.13%
$100k-200k	1,768	$274,770,000	$155,413	$4,528	3.24%
$400k-600k	517	$241,895,000	$467,882	$5,680	3.12%
$100,000 or less	308	$24,020,000	$77,987	$3,553	3.53%
$600k-1MM	35	$27,015,000	$771,857	$8,740	3.94%
$1MM+	11	$14,815,000	$1,346,818	$13,528	4.39%

2020 saw Fidelity Bank place emphasis on $200k-400k loans with 2,348 originations, totaling $651,490,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	1,171	$227,105,000	$193,941	$5,094	3.22%
$100k-150k	1,044	$289,210,000	$277,021	$4,797	3.16%
$75k-100k	829	$194,165,000	$234,216	$4,936	3.20%
$50k or less	772	$112,020,000	$145,104	$4,788	3.24%
$150k-250k	673	$220,945,000	$328,299	$4,982	3.18%
$250k+	326	$141,770,000	$434,877	$5,643	3.27%

Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 1,171 originations. The second most popular income band? $100k-150k, with 1,044 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,127	$272,935,000	$242,178	$4,432	3.14%
30-36%	928	$231,970,000	$249,968	$4,848	3.19%
<20%	390	$99,900,000	$256,154	$4,308	3.03%
50-60%	229	$49,955,000	$218,144	$6,923	3.18%
43%	202	$48,860,000	$241,881	$5,451	3.30%
44%	201	$46,135,000	$229,527	$5,016	3.32%
41%	190	$46,230,000	$243,316	$5,164	3.29%
42%	185	$47,215,000	$255,216	$5,001	3.34%
40%	172	$43,280,000	$251,628	$5,238	3.23%
36%	166	$39,900,000	$240,361	$4,923	3.24%
37%	162	$40,580,000	$250,494	$5,148	3.27%
39%	158	$38,980,000	$246,709	$5,071	3.30%
38%	147	$37,205,000	$253,095	$4,932	3.29%
49%	144	$35,770,000	$248,403	$5,303	3.32%
45%	139	$33,525,000	$241,187	$5,342	3.28%
48%	119	$32,665,000	$274,496	$5,778	3.12%
47%	115	$29,545,000	$256,913	$5,232	3.23%
46%	83	$22,035,000	$265,482	$5,084	3.15%
>60%	8	$2,230,000	$278,750	$6,106	2.86%

Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 1,127 originations. The next most common DTI ratio? 30-36%, with 928 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,752	$942,970,000	$251,325	$4,794	3.17%
Not provided	596	$156,190,000	$262,064	$5,090	3.20%
Black	535	$105,555,000	$197,299	$5,581	3.34%
Asian	67	$18,915,000	$282,313	$5,259	3.32%
Not applicable	13	$4,475,000	$344,231	$0	5.56%
American Indian	11	$2,775,000	$252,273	$5,739	3.08%
Asian Indian	5	$1,295,000	$259,000	$6,658	3.10%
Chinese	2	$540,000	$270,000	$13,368	2.94%
Native Hawaiian or Islander	2	$440,000	$220,000	$7,256	3.13%
Other Pacific Islander	1	$375,000	$375,000	$10,375	2.88%
Vietnamese	2	$330,000	$165,000	$4,579	2.94%
Other Asian	1	$145,000	$145,000	$6,751	4.00%

Approval Rates

Total approvals of all applications
90.51%

Fidelity Bank has an average approval rate.

Pick Rate

Approvals leading to origination
71.31%

Fidelity Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	4,987	$1,234,005,000	$247,444

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	4	$1,430,000	$357,500
Single Family (1-4 Units):Site-Built	4,983	$1,232,575,000	$247,356

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	130	$22,810,000	$175,462	$3,730	3.09%
40-60%	488	$114,330,000	$234,283	$3,982	3.03%
60-80%	1,590	$414,210,000	$260,509	$4,309	3.21%
80-100%	2,670	$654,840,000	$245,258	$5,358	3.23%
Over 100%	94	$25,970,000	$276,277	$8,497	3.01%
Under 20%	15	$1,845,000	$123,000	$2,549	4.25%

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	1201 S. Carrollton Avenue New Orleans, LA 70118	Full Service B&M	$39,893
Fidelity Bank	1001 Julia St Ste 112a New Orleans, LA 70113	Full Service B&M	$79,453
Fidelity Bank	1220 Veterans Blvd Metairie, LA 70005	Limited, Drive-thru	$0
Fidelity Bank	149 Robert E. Lee Boulevard New Orleans, LA 70124	Full Service B&M	$34,103
Fidelity Bank	1811 Metairie Ave Metairie, LA 70005	Full Service B&M	$38,071
Fidelity Bank	1888 Belle Chase Highway Gretna, LA 70056	Full Service B&M	$25,252
Fidelity Bank	1901 Gause Blvd E Slidell, LA 70461	Full Service B&M	$35,435
Fidelity Bank	2201 N Highway 190 Covington, LA 70433	Full Service B&M	$30,957
Fidelity Bank	2550 Florida Street Mandeville, LA 70448	Full Service B&M	$28,286
Fidelity Bank	3270 Williams Boulevard Kenner, LA 70065	Full Service B&M	$44,875
Fidelity Bank	3511 General Degaulle Drive New Orleans, LA 70114	Full Service B&M	$19,461
Fidelity Bank	3829 Veterans Boulevard Metairie, LA 70002	Full Service B&M	$170,707
Fidelity Bank	500 C M Fagen Drive Hammond, LA 70403	Full Service B&M	$21,190
Fidelity Bank	5530 Crowder Boulevard New Orleans, LA 70127	Full Service B&M	$28,984
Fidelity Bank	5643 Corporate Blvd. Baton Rouge, LA 70808	Full Service B&M	$11,879
Fidelity Bank	9099 Jefferson Hwy River Ridge, LA 70123	Full Service B&M	$55,748

For 2020, Fidelity Bank had 16 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$46,764
Net interest income	$42,317
Total noninterest income	$53,265
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,033
Trading account gains and fees	$0
Additional Noninterest Income	$52,232
Pre-tax net operating income	$19,178
Securities gains (or losses, -)	$1,217
Income before extraordinary items	$15,981
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$15,981
Minority interest net income	$0
Net income	$15,981
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$15,019

Fidelity Bank's gross interest income from loans was $46,764,000.
Fidelity Bank's net interest income from loans was $42,317,000.
Fidelity Bank's fee based income from loans was $1,033,000.
Fidelity Bank's net income from loans was $15,981,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$4,447
Provision for credit losses	$5,000
Total noninterest expense	$71,404
Salaries and employee benefits	$49,504
Premises and equipment expense	$7,120
Additional noninterest expense	$14,780
Applicable income taxes	$4,414
Net charge-offs	$1,054
Cash dividends	$0

Fidelity Bank's interest expense for loans was $4,447,000.
Fidelity Bank's payroll and benefits expense were $49,504,000.
Fidelity Bank's property, plant and equipment expenses $7,120,000.

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	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	1.5%
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	$718,375
Deposits held in domestic offices	$718,375
Deposits by Individuals, partnerships, and corporations	$715,666
Deposits by U.S. Government	$20
Deposits by States and political subdivisions in the U.S.	$2,141
Deposits by Commercial banks and other depository institutions in U.S.	$548
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$267,086
Demand deposits	$267,086
Nontransaction accounts	$451,289
Money market deposit accounts (MMDAs)	$120,498
Other savings deposits (excluding MMDAs)	$144,864
Total time deposits	$185,927
Total time and savings deposits	$451,289
Noninterest-bearing deposits	$146,440
Interest-bearing deposits	$571,935
Retail deposits	$687,029
IRAs and Keogh plan accounts	$56,286
Brokered deposits	$21,426
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$973,282
Cash & Balances due from depository institutions	$55,804
Interest-bearing balances	$31,318
Total securities	$65,601
Federal funds sold & reverse repurchase	$0
Net loans and leases	$752,446
Loan and leases loss allowance	$8,750
Trading account assets	$0
Bank premises and fixed assets	$48,902
Other real estate owned	$34
Goodwill and other intangibles	$13,784
All other assets	$36,711

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$973,282
Total Liabilities	$808,336
Total deposits	$718,375
Interest-bearing deposits	$571,935
Deposits held in domestic offices	$718,375
% insured (estimated)	$84
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$76,000
Subordinated debt	$0
All other liabilities	$13,961

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$752,446
Loan and leases loss allowance	$8,750
Total loans and leases (domestic)	$761,196
All real estate loans	$589,448
Real estate loans in domestic offices	$589,448
Construction and development loans	$30,973
Residential 1-4 family construction	$0
Other construction, all land development and other land	$30,973
Loans secured by nonfarm nonresidential properties	$135,462
Nonfarm nonresidential secured by owner-occupied properties	$23,656
Commercial real estate & other non-farm, non-residential	$111,806
Multifamily residential real estate	$31,680
1-4 family residential loans	$391,333
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$163,593
To non-U.S. addressees	$0
Loans to individuals	$5,880
Credit card loans	$1,458
Related Plans	$2,209
Consumer Auto Loans	$273
Other loans to individuals	$1,940
All other loans & leases	$2,275
Loans to foreign governments and official institutions	$0
Other loans	$2,275
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	$1,493
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

FIDELITY BANK had $752,446,000 of loans outstanding in 2020. $589,448,000 of loans were in real estate loans. $30,973,000 of loans were in development loans. $31,680,000 of loans were in multifamily mortgage loans. $391,333,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $1,458,000 of loans were in credit card loans. $273,000 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	175	$42,076	$240,434
Nonfarm, nonresidential loans - <$100k	23	$977	$42,478
Nonfarm, nonresidential loans - $100-250k	66	$8,308	$125,879
Nonfarm, nonresidential loans - $250k-1MM	86	$32,791	$381,291
Commercial & Industrial, US addressed loans - <$1MM	2,473	$114,988	$46,497
Commercial & Industrial, US addressed loans - <$100k	2,135	$49,382	$23,130
Commercial & Industrial, US addressed loans - $100-250k	242	$26,728	$110,446
Commercial & Industrial, US addressed loans - $250k-1MM	96	$38,878	$404,979