Fidelity Savings And Loan Association Of Bucks County Mortgage Rates, Fees & Info

Bristol, PA

LEI: 549300RC26VP3E9DLV94

Tax ID: 23-0577095

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Fidelity Savings And Loan Association Of Bucks County is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Fidelity Savings And Loan Association Of Bucks County has a high proportion of conventional loans. Their top (well, only) market is Philadelphia.

    Fidelity Savings And Loan Association Of Bucks County 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 Savings And Loan Association Of Bucks County 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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    Originations

    53

    Origination Dollar Volume (All Markets)

    $8,865,000

    Employee count

    14

    Awards

    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY 30 Year Conventional Loans gold
    Show all (1) 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
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 53 $8,865,000 $167,264 $2,926 4.18%
    Fidelity Savings And Loan Association Of Bucks County's top markets include and Philadelphia among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 122
    Prudential Bank
    Similarity Rank: 162
    CREDIT UNION OF NEW JERSEY
    Similarity Rank: 180
    Columbia Bank
    Similarity Rank: 440
    DEL-ONE FEDERAL CREDIT UNION
    Similarity Rank: 528
    ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
    Similarity Rank: 678
    Hamilton National Mortgage Company
    Similarity Rank: 774
    County Savings Bank
    Similarity Rank: 780
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 1026
    PINNACLE MORTGAGE, INC.
    Similarity Rank: 1176

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 53 $8,865,000 $167,264 $2,926 4.18%

    For 2019, Fidelity Savings And Loan Association Of Bucks County's most frequently originated type of loan was Conventional, with 53 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 25 $5,195,000 $207,800 $2,932 4.23%
    Home Purchase 15 $2,845,000 $189,667 $2,923 4.24%
    Home Improvement 13 $825,000 $63,462 $0 4.00%

    For 2019, Fidelity Savings And Loan Association Of Bucks County's most frequently cited loan purpose was Cash Out Refi, with 25 originations. The 2nd most popular reason was Home Purchase, with 15 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 19 $3,855,000 $202,895 $2,859 4.64%
    30 Year 18 $4,070,000 $226,111 $2,934 4.14%
    10 Year 9 $615,000 $68,333 $0 3.99%
    5 Year 7 $325,000 $46,429 $0 3.25%

    For 2019, Fidelity Savings And Loan Association Of Bucks County's most frequently cited loan duration was 15 Year, with 19 originations. The 2nd most popular length was 30 Year, with 18 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 20 $4,400,000 $220,000

    Fidelity Savings And Loan Association Of Bucks County's average total fees were $2,934, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 20 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 26 $3,140,000 $120,769
    4-5% 23 $3,445,000 $149,783
    6-7% 2 $1,990,000 $995,000
    2.5-3% 1 $205,000 $205,000
    5-6% 1 $85,000 $85,000

    During 2019, Fidelity Savings And Loan Association Of Bucks County's average interest rate for loans was 4.14%, while their most frequently originated rate bucket for loans was 3-4%, with 26 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 23 $1,275,000 $55,435 $0 4.04%
    $100k-200k 20 $2,970,000 $148,500 $2,595 4.22%
    $200k-400k 8 $2,320,000 $290,000 $3,502 4.16%
    $1MM+ 1 $1,805,000 $1,805,000 $0 7.00%
    $400k-600k 1 $495,000 $495,000 $2,869 4.00%

    2019 saw Fidelity Savings And Loan Association Of Bucks County place emphasis on $100,000 or less loans with 23 originations, totaling $1,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $2,180,000 $155,714 $3,346 4.11%
    $50k-75k 12 $1,600,000 $133,333 $2,811 3.90%
    $50k or less 8 $470,000 $58,750 $2,731 3.91%
    $75k-100k 8 $1,150,000 $143,750 $3,015 4.56%
    $150k-250k 7 $1,265,000 $180,714 $2,629 4.00%
    $250k+ 3 $395,000 $131,667 $2,277 4.79%

    Fidelity Savings And Loan Association Of Bucks County lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $50k-75k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 11 $1,435,000 $130,455 $2,781 3.98%
    30-36% 11 $1,175,000 $106,818 $2,680 3.78%
    <20% 8 $690,000 $86,250 $2,467 4.03%
    42% 6 $870,000 $145,000 $3,052 4.31%
    40% 3 $445,000 $148,333 $4,191 4.08%
    37% 3 $815,000 $271,667 $3,346 4.21%
    44% 2 $270,000 $135,000 $2,897 4.19%
    36% 2 $220,000 $110,000 $2,812 4.12%
    38% 2 $140,000 $70,000 $0 4.50%
    39% 2 $730,000 $365,000 $3,156 4.00%

    Fidelity Savings And Loan Association Of Bucks County lent most frequently to those with DTI ratios of 20-30%, with 11 originations. The next most common DTI ratio? 30-36%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 49 $6,435,000 $131,327 $2,929 4.12%
    Not applicable 1 $1,805,000 $1,805,000 $0 7.00%
    Chinese 1 $495,000 $495,000 $2,869 4.00%
    American Indian 1 $65,000 $65,000 $0 3.99%
    Asian 1 $65,000 $65,000 $0 4.38%

    Approval Rates

    Total approvals of all applications
    86.96%

    Fidelity Savings And Loan Association Of Bucks County has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.79%

    Fidelity Savings And Loan Association Of Bucks County has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 53 $8,865,000 $167,264

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 53 $8,865,000 $167,264

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 12 $940,000 $78,333 $0 4.17%
    40-60% 15 $4,275,000 $285,000 $2,879 4.47%
    60-80% 13 $2,525,000 $194,231 $2,871 4.23%
    80-100% 3 $785,000 $261,667 $3,221 4.13%
    Under 20% 10 $340,000 $34,000 $0 3.70%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Fidelity National Financial, Inc Reverse mortgage Trouble during payment process 1 11.1%
    Fidelity National Financial, Inc Other type of mortgage Struggling to pay mortgage 1 11.1%
    Fidelity National Financial, Inc Other type of mortgage Trouble during payment process 1 11.1%
    Fidelity National Financial, Inc Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 11.1%
    Fidelity National Financial, Inc Conventional home mortgage Closing on a mortgage 2 22.2%
    Fidelity National Financial, Inc Conventional home mortgage Trouble during payment process 1 11.1%
    Fidelity National Financial, Inc Other type of mortgage Closing on a mortgage 2 22.2%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fidelity Savings and Loan Association of Bucks Co 201 Pond Street Bristol, PA 19007 Full Service B&M $63,782
    Fidelity Savings and Loan Association of Bucks Co 237 Radcliffe St Bristol, PA 19007 Full Service B&M $4,732

    For 2019, Fidelity Savings And Loan Association Of Bucks County had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $3,534
    Net interest income $2,796
    Total noninterest income $108
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $68
    Trading account gains and fees $0
    Additional Noninterest Income $40
    Pre-tax net operating income $290
    Securities gains (or losses, -) $0
    Income before extraordinary items $202
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $202
    Minority interest net income $0
    Net income $202
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $202

    Fidelity Savings And Loan Association Of Bucks County's gross interest income from loans was $3,534,000.
    Fidelity Savings And Loan Association Of Bucks County's net interest income from loans was $2,796,000.
    Fidelity Savings And Loan Association Of Bucks County's fee based income from loans was $68,000.
    Fidelity Savings And Loan Association Of Bucks County's net income from loans was $202,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $738
    Provision for credit losses $-16
    Total noninterest expense $2,630
    Salaries and employee benefits $1,520
    Premises and equipment expense $191
    Additional noninterest expense $919
    Applicable income taxes $88
    Net charge-offs $1
    Cash dividends $0

    Fidelity Savings And Loan Association Of Bucks County's interest expense for loans was $738,000.
    Fidelity Savings And Loan Association Of Bucks County's payroll and benefits expense were $1,520,000.
    Fidelity Savings And Loan Association Of Bucks County's property, plant and equipment expenses $191,000.

    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 0.0%
    Nonfarm, nonresidential loans 6.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    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 $68,165
    Deposits held in domestic offices $68,165
    Deposits by Individuals, partnerships, and corporations $67,920
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $245
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $25,231
    Demand deposits $3,376
    Nontransaction accounts $42,934
    Money market deposit accounts (MMDAs) $3,593
    Other savings deposits (excluding MMDAs) $11,967
    Total time deposits $27,374
    Total time and savings deposits $64,789
    Noninterest-bearing deposits $3,676
    Interest-bearing deposits $64,489
    Retail deposits $66,295
    IRAs and Keogh plan accounts $7,590
    Brokered deposits $245
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $87,781
    Cash & Balances due from depository institutions $4,054
    Interest-bearing balances $3,102
    Total securities $500
    Federal funds sold & reverse repurchase $20,052
    Net loans and leases $61,788
    Loan and leases loss allowance $467
    Trading account assets $0
    Bank premises and fixed assets $185
    Other real estate owned $100
    Goodwill and other intangibles $0
    All other assets $1,102

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $87,781
    Total Liabilities $74,973
    Total deposits $68,165
    Interest-bearing deposits $64,489
    Deposits held in domestic offices $68,165
    % insured (estimated) $96
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,317
    Subordinated debt $0
    All other liabilities $1,491

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $61,788
    Loan and leases loss allowance $467
    Total loans and leases (domestic) $62,255
    All real estate loans $62,084
    Real estate loans in domestic offices $62,084
    Construction and development loans $2,960
    Residential 1-4 family construction $2,960
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $1,910
    Nonfarm nonresidential secured by owner-occupied properties $502
    Commercial real estate & other non-farm, non-residential $1,408
    Multifamily residential real estate $1,456
    1-4 family residential loans $55,758
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $0
    To non-U.S. addressees $0
    Loans to individuals $171
    Credit card loans $0
    Related Plans $4
    Consumer Auto Loans $0
    Other loans to individuals $167
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $159
    Non 1-4 family restructured loans & leases $159
    Total loans and leases (foreign) $0

    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY had $61,788,000 of loans outstanding in 2019. $62,084,000 of loans were in real estate loans. $2,960,000 of loans were in development loans. $1,456,000 of loans were in multifamily mortgage loans. $55,758,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 19 $1,618 $85,158
    Nonfarm, nonresidential loans - $100-250k 13 $897 $69,000
    Nonfarm, nonresidential loans - $250k-1MM 6 $721 $120,167