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, Lake Charles, and Lafayette among others. We have data for 109 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%	4/21/24
30 Year Conventional Purchase	6.85%	4/21/24
30 Year Conventional Refi	6.63%	4/21/24
30 Year Cash-out Refi	6.92%	4/21/24
30 Year FHA Purchase	7.45%	4/21/24
30 Year FHA Refi	6.27%	4/21/24
30 Year VA Purchase	6.36%	4/21/24
30 Year VA Refi	6.27%	4/21/24
30 Year USDA Purchase	6.89%	4/21/24
30 Year USDA Refi	6.21%	4/21/24
15 Year Conventional Purchase	6.41%	4/21/24
15 Year Conventional Refi	6.56%	4/21/24
15 Year Cash-out Refi	6.56%	4/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Fidelity Bank Mortgage Calculator

Purchase Price:

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% Deposit:

Interest Rate:

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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

4,233

Origination Dollar Volume (All Markets)

$1,038,835,000

Employee count

380

Awards

FIDELITY BANK 30 Year Conventional Loans silver

FIDELITY BANK 30 Year Conventional Loans gold

FIDELITY BANK 30 Year Conventional Loans bronze

Show all (8) 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)	1,849	$515,785,000	$278,953	$5,313	3.19%
BATON ROUGE, LA (FHA\|USDA\|VA)	372	$88,120,000	$236,882	$5,095	3.14%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	345	$73,985,000	$214,449	$5,341	3.11%
LAKE CHARLES, LA (FHA\|USDA\|VA)	290	$60,080,000	$207,172	$5,134	3.11%
LAFAYETTE, LA (FHA\|USDA\|VA)	227	$45,995,000	$202,621	$5,037	3.10%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	147	$33,085,000	$225,068	$5,978	3.24%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	109	$29,235,000	$268,211	$5,941	2.99%
JACKSON, MS (FHA\|USDA\|VA)	111	$24,875,000	$224,099	$4,616	3.05%
McComb, MS (FHA\|USDA\|VA)	120	$19,540,000	$162,833	$4,241	3.13%
Outside of Metro Areas	79	$14,695,000	$186,013	$4,913	3.15%
HAMMOND, LA (FHA\|USDA\|VA)	65	$12,285,000	$189,000	$4,839	3.08%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	30	$9,400,000	$313,333	$4,413	3.09%
HATTIESBURG, MS (FHA\|USDA\|VA)	45	$9,335,000	$207,444	$4,138	3.04%
Natchez, MS-LA (FHA\|USDA\|VA)	52	$9,020,000	$173,462	$4,287	3.01%
Vicksburg, MS (FHA\|USDA\|VA)	37	$8,105,000	$219,054	$5,345	2.98%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	26	$7,870,000	$302,692	$6,932	3.11%
Jennings, LA (FHA\|USDA\|VA)	24	$4,890,000	$203,750	$5,534	3.13%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	18	$4,810,000	$267,222	$4,634	2.85%
Brookhaven, MS (FHA\|USDA\|VA)	21	$3,925,000	$186,905	$4,241	3.14%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	10	$3,320,000	$332,000	$4,750	3.53%
DeRidder, LA (FHA\|USDA\|VA)	12	$3,050,000	$254,167	$6,506	3.00%
Opelousas, LA (FHA\|USDA\|VA)	18	$2,960,000	$164,444	$5,141	3.01%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	6	$2,540,000	$423,333	$5,399	3.13%
Minden, LA (FHA\|USDA\|VA)	13	$2,325,000	$178,846	$5,405	2.97%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	7	$2,225,000	$317,857	$8,619	3.16%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	12	$2,170,000	$180,833	$5,236	3.04%
Picayune, MS (FHA\|USDA\|VA)	10	$2,100,000	$210,000	$4,370	3.10%
Cleveland, MS (FHA\|USDA\|VA)	9	$1,795,000	$199,444	$4,228	2.97%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	9	$1,675,000	$186,111	$3,682	3.13%
Athens, TX (FHA\|USDA\|VA)	7	$1,645,000	$235,000	$5,175	3.11%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	7	$1,565,000	$223,571	$5,549	3.00%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	6	$1,540,000	$256,667	$4,223	3.10%
JACKSONVILLE, FL (FHA\|USDA\|VA)	5	$1,525,000	$305,000	$5,499	2.88%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	4	$1,460,000	$365,000	$4,671	3.16%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	5	$1,445,000	$289,000	$6,442	2.65%
MOBILE, AL (FHA\|USDA\|VA)	6	$1,320,000	$220,000	$5,901	3.02%
Bogalusa, LA (FHA\|USDA\|VA)	6	$1,180,000	$196,667	$4,163	3.77%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	3	$1,095,000	$365,000	$4,397	2.88%
PANAMA CITY, FL (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$6,728	3.03%
Starkville, MS (FHA\|USDA\|VA)	4	$970,000	$242,500	$6,091	2.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	3	$945,000	$315,000	$6,066	2.75%
Sevierville, TN (FHA\|USDA\|VA)	3	$925,000	$308,333	$5,062	3.71%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	3	$875,000	$291,667	$4,203	3.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	2	$840,000	$420,000	$5,250	3.19%
Oxford, MS (FHA\|USDA\|VA)	3	$805,000	$268,333	$3,333	3.08%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	3	$745,000	$248,333	$5,322	2.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$745,000	$745,000	$6,182	3.38%
Kalispell, MT (FHA\|USDA\|VA)	2	$730,000	$365,000	$8,087	3.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	2	$680,000	$340,000	$2,714	3.56%
MONTGOMERY, AL (FHA\|USDA\|VA)	3	$665,000	$221,667	$4,208	2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	3	$655,000	$218,333	$8,212	3.42%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$615,000	$615,000	$7,163	2.75%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	1	$605,000	$605,000	$4,154	3.63%
ASHEVILLE, NC (FHA\|USDA\|VA)	2	$560,000	$280,000	$15,833	3.56%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	1	$535,000	$535,000	$4,508	2.63%
ALEXANDRIA, LA (FHA\|USDA\|VA)	3	$535,000	$178,333	$3,615	3.46%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	1	$505,000	$505,000	$4,599	2.38%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	2	$440,000	$220,000	$8,319	3.25%
Morgan City, LA (FHA\|USDA\|VA)	3	$415,000	$138,333	$4,761	3.00%
Forest City, NC (FHA\|USDA\|VA)	1	$385,000	$385,000	$6,268	3.00%
MIDLAND, TX (FHA\|USDA\|VA)	2	$380,000	$190,000	$3,575	2.81%
Greenwood, MS (FHA\|USDA\|VA)	2	$360,000	$180,000	$3,828	2.69%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	3.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$345,000	$345,000	$4,921	2.75%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,891	3.00%
KNOXVILLE, TN (FHA\|USDA\|VA)	2	$340,000	$170,000	$2,782	3.38%
RENO, NV (FHA\|USDA\|VA)	1	$335,000	$335,000	$4,083	3.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,332	3.25%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$325,000	$325,000	$5,659	2.88%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,157	2.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	1	$315,000	$315,000	$4,837	2.75%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,562	2.75%
Alexander City, AL (FHA\|USDA\|VA)	1	$315,000	$315,000	$2,986	2.88%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,448	3.50%
LYNCHBURG, VA (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,516	3.25%
Indianola, MS (FHA\|USDA\|VA)	2	$280,000	$140,000	$4,189	2.75%
Lufkin, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$12,625	2.88%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,931	3.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$275,000	$91,667	$0	4.04%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$265,000	$265,000	$8,579	3.25%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,005	2.88%
Meridian, MS (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,352	3.25%
BILLINGS, MT (FHA\|USDA\|VA)	1	$255,000	$255,000	$5,083	3.75%
Fort Polk South, LA (FHA\|USDA\|VA)	1	$255,000	$255,000	$11,072	2.75%
MONROE, LA (FHA\|USDA\|VA)	2	$250,000	$125,000	$4,383	3.12%
Greenville, MS (FHA\|USDA\|VA)	2	$250,000	$125,000	$3,299	3.31%
VALLEJO, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	3.25%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,006	2.75%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,106	3.00%
OCALA, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,223	3.25%
West Point, MS (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,157	2.88%
LONGVIEW, TX (FHA\|USDA\|VA)	2	$210,000	$105,000	$4,210	3.94%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$205,000	$205,000	$450	2.75%
Ruston, LA (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,005	2.63%
Tifton, GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,838	2.75%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,503	2.88%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,587	2.63%
Magnolia, AR (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,871	2.88%
Natchitoches, LA (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,008	2.88%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$5,754	3.13%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,770	3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,898	3.13%
Mountain Home, ID (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	2.75%
Tupelo, MS (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,243	3.00%
GOLDSBORO, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	2.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,375	3.38%
Enterprise, AL (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,504	2.75%
Selma, AL (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,446	3.50%
Miami, OK (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,469	3.25%

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

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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Eglin Federal Credit Union
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Gulf Winds Credit Union
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,071	$784,195,000	$255,355	$4,489	3.18%
FHA	611	$127,465,000	$208,617	$7,854	3.19%
VA	309	$86,025,000	$278,398	$6,363	2.83%
USDA	242	$41,150,000	$170,041	$5,437	2.96%

For 2021, Fidelity Bank's most frequently originated type of loan was Conventional, with 3,071 originations. Their 2nd most popular type was FHA, with 611 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,758	$689,490,000	$249,996	$5,633	3.19%
Refi	889	$210,595,000	$236,890	$4,036	2.97%
Cash Out Refi	497	$121,445,000	$244,356	$4,949	3.18%
Other	49	$9,685,000	$197,653	$4,620	3.38%
Home Improvement	40	$7,620,000	$190,500	$4,596	3.40%

For 2021, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 2,758 originations. The 2nd most popular reason was Refi, with 889 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	3,729	$931,925,000	$249,913	$5,373	3.18%
15 Year	315	$66,175,000	$210,079	$4,017	2.73%
20 Year	107	$25,175,000	$235,280	$4,091	3.09%
Other	50	$10,080,000	$201,600	$3,628	3.05%
10 Year	28	$4,240,000	$151,429	$3,503	3.06%
5 Year	3	$1,065,000	$355,000	$163	6.07%
1 Year	1	$175,000	$175,000	$2,053	7.75%

For 2021, Fidelity Bank's most frequently cited loan duration was 30 Year, with 3,729 originations. The 2nd most popular length was 15 Year, with 315 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	2,799	$642,355,000	$229,494
$2k-3k	482	$133,620,000	$277,220
$<1k	258	$68,960,000	$267,287
$3k-4k	224	$67,980,000	$303,482
$4k-5k	111	$33,195,000	$299,054
$5k+	101	$47,745,000	$472,723

Fidelity Bank's average total fees were $5,373, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,799 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,957	$484,195,000	$247,417
2.5-3%	1,868	$457,280,000	$244,797
<2.5%	220	$52,840,000	$240,182
4-5%	152	$38,410,000	$252,697
5-6%	29	$5,485,000	$189,138
7-8%	6	$340,000	$56,667
6-7%	1	$285,000	$285,000

During 2021, Fidelity Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 1,957 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,967	$536,995,000	$273,002	$5,508	3.13%
$100k-200k	1,557	$238,865,000	$153,414	$4,531	3.13%
$400k-600k	365	$175,395,000	$480,534	$6,349	3.09%
$100,000 or less	263	$20,505,000	$77,966	$3,545	3.33%
$600k-1MM	69	$51,115,000	$740,797	$7,744	3.36%
$1MM+	12	$15,960,000	$1,330,000	$17,808	3.68%

2021 saw Fidelity Bank place emphasis on $200k-400k loans with 1,967 originations, totaling $536,995,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	1,079	$216,385,000	$200,542	$5,230	3.15%
$100k-150k	819	$226,445,000	$276,490	$5,291	3.14%
$50k or less	770	$115,850,000	$150,455	$4,885	3.11%
$75k-100k	711	$170,735,000	$240,134	$5,148	3.13%
$150k-250k	499	$165,205,000	$331,072	$5,320	3.19%
$250k+	265	$122,215,000	$461,189	$6,213	3.25%

Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 1,079 originations. The second most popular income band? $100k-150k, with 819 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	850	$212,120,000	$249,553	$4,718	3.10%
30-36%	728	$182,370,000	$250,508	$4,903	3.12%
<20%	329	$78,875,000	$239,742	$4,308	3.01%
50-60%	251	$58,605,000	$233,486	$7,629	3.10%
44%	202	$48,600,000	$240,594	$5,577	3.28%
39%	164	$39,610,000	$241,524	$5,384	3.19%
40%	162	$39,320,000	$242,716	$5,306	3.23%
42%	160	$41,770,000	$261,063	$5,246	3.22%
43%	158	$40,100,000	$253,797	$5,338	3.29%
36%	157	$35,755,000	$227,739	$5,207	3.20%
37%	157	$38,705,000	$246,529	$5,120	3.16%
38%	150	$37,640,000	$250,933	$5,102	3.11%
41%	149	$35,895,000	$240,906	$5,239	3.17%
45%	139	$33,775,000	$242,986	$5,394	3.25%
46%	117	$27,865,000	$238,162	$5,694	3.15%
49%	105	$26,155,000	$249,095	$5,723	3.19%
48%	104	$25,540,000	$245,577	$5,808	3.13%
47%	98	$23,780,000	$242,653	$5,588	3.14%
>60%	3	$315,000	$105,000	$2,476	6.17%

Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 850 originations. The next most common DTI ratio? 30-36%, with 728 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,897	$719,395,000	$248,324	$4,963	3.12%
Not provided	749	$194,535,000	$259,726	$5,643	3.16%
Black	509	$103,055,000	$202,466	$5,938	3.24%
Asian	57	$15,865,000	$278,333	$5,014	3.21%
American Indian	8	$1,810,000	$226,250	$4,056	3.00%
Not applicable	6	$1,800,000	$300,000	$0	4.97%
Native Hawaiian or Islander	5	$1,615,000	$323,000	$6,473	3.47%
Asian Indian	2	$760,000	$380,000	$5,116	2.38%

Approval Rates

Total approvals of all applications
91.33%

Fidelity Bank has an average approval rate.

Pick Rate

Approvals leading to origination
71.20%

Fidelity Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	4,233	$1,038,835,000	$245,413

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	4,233	$1,038,835,000	$245,413

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	131	$24,925,000	$190,267	$3,833	2.93%
40-60%	416	$96,070,000	$230,938	$4,187	2.98%
60-80%	1,217	$310,165,000	$254,860	$4,466	3.18%
80-100%	2,364	$579,460,000	$245,118	$5,591	3.16%
Over 100%	87	$26,395,000	$303,391	$10,553	2.95%
Under 20%	18	$1,820,000	$101,111	$2,684	4.10%

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	5643 Corporate Blvd. Baton Rouge, LA 70808	Full Service B&M	$16,372
Fidelity Bank	1001 Julia St Ste 112a New Orleans, LA 70113	Full Service B&M	$3,323
Fidelity Bank	1201 S. Carrollton Avenue New Orleans, LA 70118	Full Service B&M	$42,514
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	$43,450
Fidelity Bank	1811 Metairie Ave Metairie, LA 70005	Full Service B&M	$40,178
Fidelity Bank	1888 Belle Chase Highway Gretna, LA 70056	Full Service B&M	$29,821
Fidelity Bank	1901 Gause Blvd E Slidell, LA 70461	Full Service B&M	$43,298
Fidelity Bank	2201 N Highway 190 Covington, LA 70433	Full Service B&M	$36,851
Fidelity Bank	2550 Florida Street Mandeville, LA 70448	Full Service B&M	$34,171
Fidelity Bank	3270 Williams Boulevard Kenner, LA 70065	Full Service B&M	$52,650
Fidelity Bank	3511 General Degaulle Drive New Orleans, LA 70114	Full Service B&M	$24,174
Fidelity Bank	353 Carondelet St New Orleans, LA 70130	Full Service B&M	$108,447
Fidelity Bank	3829 Veterans Boulevard Metairie, LA 70002	Full Service B&M	$198,494
Fidelity Bank	500 C M Fagen Drive Hammond, LA 70403	Full Service B&M	$31,194
Fidelity Bank	5530 Crowder Boulevard New Orleans, LA 70127	Full Service B&M	$34,383
Fidelity Bank	9099 Jefferson Hwy River Ridge, LA 70123	Full Service B&M	$68,512

For 2021, Fidelity Bank had 17 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$43,295
Net interest income	$40,051
Total noninterest income	$38,694
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,303
Trading account gains and fees	$0
Additional Noninterest Income	$37,391
Pre-tax net operating income	$7,841
Securities gains (or losses, -)	$0
Income before extraordinary items	$6,250
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$6,250
Minority interest net income	$0
Net income	$6,250
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$6,250

Fidelity Bank's gross interest income from loans was $43,295,000.
Fidelity Bank's net interest income from loans was $40,051,000.
Fidelity Bank's fee based income from loans was $1,303,000.
Fidelity Bank's net income from loans was $6,250,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$3,244
Provision for credit losses	$0
Total noninterest expense	$70,904
Salaries and employee benefits	$48,221
Premises and equipment expense	$7,474
Additional noninterest expense	$15,209
Applicable income taxes	$1,591
Net charge-offs	$562
Cash dividends	$0

Fidelity Bank's interest expense for loans was $3,244,000.
Fidelity Bank's payroll and benefits expense were $48,221,000.
Fidelity Bank's property, plant and equipment expenses $7,474,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	1.0%
Construction & Land Development loans	5.0%
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	1.0%
Personal loans	0.0%
Credit card loans	0.4%
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	$846,359
Deposits held in domestic offices	$846,359
Deposits by Individuals, partnerships, and corporations	$843,589
Deposits by U.S. Government	$3
Deposits by States and political subdivisions in the U.S.	$2,265
Deposits by Commercial banks and other depository institutions in U.S.	$502
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$335,925
Demand deposits	$335,925
Nontransaction accounts	$510,434
Money market deposit accounts (MMDAs)	$141,443
Other savings deposits (excluding MMDAs)	$175,410
Total time deposits	$193,581
Total time and savings deposits	$510,434
Noninterest-bearing deposits	$192,797
Interest-bearing deposits	$653,562
Retail deposits	$801,102
IRAs and Keogh plan accounts	$52,165
Brokered deposits	$32,455
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,071,980
Cash & Balances due from depository institutions	$303,406
Interest-bearing balances	$296,452
Total securities	$75,828
Federal funds sold & reverse repurchase	$0
Net loans and leases	$601,497
Loan and leases loss allowance	$8,188
Trading account assets	$0
Bank premises and fixed assets	$46,455
Other real estate owned	$34
Goodwill and other intangibles	$16,068
All other assets	$28,692

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,071,980
Total Liabilities	$902,227
Total deposits	$846,359
Interest-bearing deposits	$653,562
Deposits held in domestic offices	$846,359
% insured (estimated)	$84
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$47,700
Subordinated debt	$0
All other liabilities	$8,168

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$601,497
Loan and leases loss allowance	$8,188
Total loans and leases (domestic)	$609,685
All real estate loans	$525,339
Real estate loans in domestic offices	$525,339
Construction and development loans	$40,794
Residential 1-4 family construction	$0
Other construction, all land development and other land	$40,794
Loans secured by nonfarm nonresidential properties	$152,711
Nonfarm nonresidential secured by owner-occupied properties	$23,641
Commercial real estate & other non-farm, non-residential	$129,070
Multifamily residential real estate	$12,698
1-4 family residential loans	$319,136
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$76,320
To non-U.S. addressees	$0
Loans to individuals	$6,023
Credit card loans	$1,646
Related Plans	$1,850
Consumer Auto Loans	$182
Other loans to individuals	$2,345
All other loans & leases	$2,003
Loans to foreign governments and official institutions	$0
Other loans	$2,003
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	$1,024
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

FIDELITY BANK had $601,497,000 of loans outstanding in 2021. $525,339,000 of loans were in real estate loans. $40,794,000 of loans were in development loans. $12,698,000 of loans were in multifamily mortgage loans. $319,136,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $1,646,000 of loans were in credit card loans. $182,000 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	173	$41,944	$242,451
Nonfarm, nonresidential loans - <$100k	20	$658	$32,900
Nonfarm, nonresidential loans - $100-250k	65	$7,575	$116,538
Nonfarm, nonresidential loans - $250k-1MM	88	$33,711	$383,080
Commercial & Industrial, US addressed loans - <$1MM	932	$66,824	$71,700
Commercial & Industrial, US addressed loans - <$100k	691	$17,956	$25,986
Commercial & Industrial, US addressed loans - $100-250k	164	$17,928	$109,317
Commercial & Industrial, US addressed loans - $250k-1MM	77	$30,940	$401,818