Fidelity Bank Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 549300VEKCSSF6IT9X67

Tax ID: 58-1174938

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

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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)

    • Review & Overview

    Fidelity Bank is a small bank specializing in Home Purchase 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: Atlanta, Washington, Jacksonville, North Port, and Raleigh among others. We have data for 137 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 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.

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    Originations

    10,792

    Origination Dollar Volume (All Markets)

    $2,812,890,000
    Show all (21) 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
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5,226 $1,372,530,000 $262,635 $5,241 4.78%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 772 $256,420,000 $332,150 $6,668 4.68%
    JACKSONVILLE, FL (FHA|USDA|VA) 460 $113,810,000 $247,413 $5,328 4.82%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 370 $99,190,000 $268,081 $4,795 4.81%
    RALEIGH-CARY, NC (FHA|USDA|VA) 349 $84,255,000 $241,418 $4,636 4.73%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 277 $78,145,000 $282,112 $6,438 4.69%
    SAVANNAH, GA (FHA|USDA|VA) 338 $72,670,000 $215,000 $5,479 4.57%
    Outside of Metro Areas 234 $53,650,000 $229,274 $4,549 4.78%
    GAINESVILLE, GA (FHA|USDA|VA) 140 $51,900,000 $370,714 $5,250 4.81%
    TALLAHASSEE, FL (FHA|USDA|VA) 252 $50,100,000 $198,810 $4,942 4.72%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 206 $50,040,000 $242,913 $4,919 4.81%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 187 $48,675,000 $260,294 $5,284 4.65%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 170 $39,380,000 $231,647 $5,124 4.84%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 177 $37,635,000 $212,627 $5,590 4.59%
    Jefferson, GA (FHA|USDA|VA) 127 $31,115,000 $245,000 $5,580 4.67%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 90 $28,360,000 $315,111 $5,483 4.77%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 81 $26,425,000 $326,235 $5,353 4.74%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 88 $25,330,000 $287,841 $5,192 4.73%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 93 $25,005,000 $268,871 $4,522 4.71%
    RICHMOND, VA (FHA|USDA|VA) 93 $24,765,000 $266,290 $4,659 4.68%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 99 $22,735,000 $229,646 $4,864 4.59%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 71 $20,385,000 $287,113 $4,720 4.72%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 70 $15,720,000 $224,571 $4,040 4.80%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 68 $14,440,000 $212,353 $4,892 4.71%
    Boone, NC (FHA|USDA|VA) 49 $10,875,000 $221,939 $3,360 4.71%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 48 $10,040,000 $209,167 $4,833 4.93%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 26 $7,010,000 $269,615 $4,247 4.55%
    ASHEVILLE, NC (FHA|USDA|VA) 29 $6,785,000 $233,966 $4,428 4.80%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 13 $6,635,000 $510,385 $7,234 4.48%
    Cedartown, GA (FHA|USDA|VA) 40 $6,400,000 $160,000 $5,450 4.69%
    SPARTANBURG, SC (FHA|USDA|VA) 32 $5,610,000 $175,313 $5,314 4.68%
    HINESVILLE, GA (FHA|USDA|VA) 35 $5,565,000 $159,000 $5,062 4.63%
    SALISBURY, MD-DE (FHA|USDA|VA) 16 $3,870,000 $241,875 $5,773 4.80%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 23 $3,845,000 $167,174 $5,160 4.81%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 11 $3,765,000 $342,273 $5,454 4.82%
    Cullowhee, NC (FHA|USDA|VA) 4 $3,370,000 $842,500 $7,290 5.09%
    WINCHESTER, VA-WV (FHA|USDA|VA) 14 $3,340,000 $238,571 $4,759 4.63%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 9 $3,305,000 $367,222 $3,474 5.17%
    PUNTA GORDA, FL (FHA|USDA|VA) 12 $3,250,000 $270,833 $4,690 4.94%
    BRUNSWICK, GA (FHA|USDA|VA) 11 $3,225,000 $293,182 $5,511 4.51%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 24 $3,200,000 $133,333 $3,677 5.02%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $3,040,000 $304,000 $6,421 4.94%
    Morehead City, NC (FHA|USDA|VA) 13 $2,985,000 $229,615 $3,548 4.40%
    ROME, GA (FHA|USDA|VA) 17 $2,795,000 $164,412 $4,795 5.14%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 11 $2,635,000 $239,545 $5,926 4.31%
    FAYETTEVILLE, NC (FHA|USDA|VA) 13 $2,465,000 $189,615 $5,780 4.96%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $2,430,000 $202,500 $5,178 4.67%
    ROANOKE, VA (FHA|USDA|VA) 7 $2,295,000 $327,857 $2,789 4.61%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $2,280,000 $380,000 $5,670 5.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $2,265,000 $251,667 $3,277 4.86%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 9 $2,255,000 $250,556 $3,735 4.32%
    BURLINGTON, NC (FHA|USDA|VA) 11 $2,215,000 $201,364 $3,673 4.66%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $1,975,000 $282,143 $5,065 4.75%
    MONTGOMERY, AL (FHA|USDA|VA) 13 $1,855,000 $142,692 $3,820 4.52%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $1,830,000 $228,750 $5,822 4.77%
    Sanford, NC (FHA|USDA|VA) 11 $1,825,000 $165,909 $4,419 4.61%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $1,800,000 $225,000 $4,052 4.98%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $1,795,000 $1,795,000 $0 5.75%
    Seneca, SC (FHA|USDA|VA) 7 $1,705,000 $243,571 $3,968 4.79%
    Toccoa, GA (FHA|USDA|VA) 5 $1,705,000 $341,000 $6,475 4.95%
    Greenwood, SC (FHA|USDA|VA) 6 $1,590,000 $265,000 $4,400 4.73%
    Brevard, NC (FHA|USDA|VA) 5 $1,545,000 $309,000 $5,494 4.52%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,520,000 $380,000 $6,149 4.97%
    COLUMBIA, SC (FHA|USDA|VA) 5 $1,495,000 $299,000 $4,314 4.35%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $1,380,000 $138,000 $3,309 4.86%
    COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,265,000 $140,556 $5,319 4.89%
    Kill Devil Hills, NC (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,208 4.83%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,210,000 $302,500 $9,897 4.59%
    Statesboro, GA (FHA|USDA|VA) 8 $1,200,000 $150,000 $4,647 4.67%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,075,000 $215,000 $6,932 4.35%
    Milledgeville, GA (FHA|USDA|VA) 4 $970,000 $242,500 $3,999 5.19%
    YORK-HANOVER, PA (FHA|USDA|VA) 4 $880,000 $220,000 $5,903 4.97%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $850,000 $212,500 $3,043 4.63%
    Albemarle, NC (FHA|USDA|VA) 5 $845,000 $169,000 $2,800 5.07%
    WILMINGTON, NC (FHA|USDA|VA) 4 $840,000 $210,000 $2,900 4.63%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $770,000 $385,000 $3,182 4.69%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $715,000 $238,333 $4,237 4.71%
    Easton, MD (FHA|USDA|VA) 1 $705,000 $705,000 $5,185 4.38%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $680,000 $340,000 $4,160 4.18%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $655,000 $218,333 $3,818 4.58%
    Washington, NC (FHA|USDA|VA) 2 $620,000 $310,000 $5,373 4.50%
    OCALA, FL (FHA|USDA|VA) 3 $585,000 $195,000 $6,409 4.13%
    Thomasville, GA (FHA|USDA|VA) 2 $580,000 $290,000 $4,794 4.81%
    Key West, FL (FHA|USDA|VA) 2 $580,000 $290,000 $4,125 5.19%
    Alexander City, AL (FHA|USDA|VA) 2 $560,000 $280,000 $0 5.56%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $560,000 $280,000 $16,298 4.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $550,000 $137,500 $4,084 5.19%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $525,000 $525,000 $5,219 3.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 4 $520,000 $130,000 $4,507 4.47%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $500,000 $250,000 $4,254 4.44%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $480,000 $120,000 $2,769 4.53%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $430,000 $215,000 $2,945 4.81%
    Marion, NC (FHA|USDA|VA) 1 $425,000 $425,000 $6,107 5.38%
    NEW BERN, NC (FHA|USDA|VA) 2 $410,000 $205,000 $2,696 4.44%
    VALDOSTA, GA (FHA|USDA|VA) 2 $370,000 $185,000 $3,992 4.56%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $365,000 $121,667 $4,405 5.17%
    ROCKY MOUNT, NC (FHA|USDA|VA) 3 $365,000 $121,667 $2,673 5.00%
    Palatka, FL (FHA|USDA|VA) 2 $350,000 $175,000 $5,117 4.56%
    Forest City, NC (FHA|USDA|VA) 1 $345,000 $345,000 $6,171 5.13%
    GOLDSBORO, NC (FHA|USDA|VA) 2 $340,000 $170,000 $4,183 5.31%
    LaGrange, GA-AL (FHA|USDA|VA) 3 $325,000 $108,333 $2,961 4.54%
    Calhoun, GA (FHA|USDA|VA) 2 $310,000 $155,000 $5,614 4.69%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $300,000 $150,000 $6,287 4.75%
    LANCASTER, PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,445 5.63%
    FLORENCE, SC (FHA|USDA|VA) 1 $285,000 $285,000 $5,090 5.13%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $285,000 $285,000 $4,570 4.75%
    St. Marys, GA (FHA|USDA|VA) 1 $285,000 $285,000 $8,295 4.38%
    Cornelia, GA (FHA|USDA|VA) 1 $285,000 $285,000 $6,387 4.75%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $255,000 $255,000 $9,437 4.88%
    Wilson, NC (FHA|USDA|VA) 2 $250,000 $125,000 $4,509 6.75%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $245,000 $245,000 $3,922 4.75%
    Lake City, FL (FHA|USDA|VA) 1 $235,000 $235,000 $6,002 3.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $235,000 $235,000 $3,423 4.75%
    DOVER, DE (FHA|USDA|VA) 1 $225,000 $225,000 $7,231 4.75%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $215,000 $215,000 $2,829 4.50%
    Cordele, GA (FHA|USDA|VA) 1 $205,000 $205,000 $5,306 3.88%
    Martinsville, VA (FHA|USDA|VA) 1 $195,000 $195,000 $6,166 4.99%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $190,000 $95,000 $0 5.25%
    Summerville, GA (FHA|USDA|VA) 1 $185,000 $185,000 $6,838 5.13%
    GREENVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,571 4.88%
    Moultrie, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,658 4.50%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,454 5.00%
    Americus, GA (FHA|USDA|VA) 1 $165,000 $165,000 $6,673 4.75%
    Elkins, WV (FHA|USDA|VA) 1 $155,000 $155,000 $5,197 4.25%
    Henderson, NC (FHA|USDA|VA) 1 $145,000 $145,000 $5,916 4.63%
    Arcadia, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,275 4.50%
    Wauchula, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,647 4.88%
    Gaffney, SC (FHA|USDA|VA) 1 $135,000 $135,000 $3,756 4.88%
    Jasper, AL (FHA|USDA|VA) 1 $125,000 $125,000 $6,462 4.50%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,931 4.88%
    ALBANY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $865 5.38%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $115,000 $115,000 $6,139 5.38%
    Sevierville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,990 4.38%
    DOTHAN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $5,578 4.25%
    Newport, TN (FHA|USDA|VA) 1 $65,000 $65,000 $2,544 4.50%
    STAUNTON, VA (FHA|USDA|VA) 1 $55,000 $55,000 $3,337 4.13%
    Athens, TN (FHA|USDA|VA) 1 $45,000 $45,000 $1,752 4.50%
    Fidelity Bank's top markets include Atlanta, Washington, Jacksonville, North Port, and Raleigh among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Maryland (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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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,504 $2,121,170,000 $282,672 $4,544 4.68%
    FHA 1,591 $352,255,000 $221,405 $7,511 4.65%
    HELOC 830 $106,580,000 $128,410 n/a 6.32%
    VA 731 $208,665,000 $285,451 $7,352 4.49%
    USDA 136 $24,220,000 $178,088 $5,391 4.48%

    For 2018, Fidelity Bank's most frequently originated type of loan was Conventional, with 7,504 originations. Their 2nd most popular type was FHA, with 1,591 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8,935 $2,436,225,000 $272,661 $5,388 4.67%
    Cash Out Refi 671 $159,155,000 $237,191 $4,264 4.80%
    Refi 517 $138,485,000 $267,863 $4,296 4.79%
    Home Improvement 400 $37,990,000 $94,975 $0 6.25%
    Other 269 $41,035,000 $152,546 $0 6.27%

    For 2018, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 8,935 originations. The 2nd most popular reason was Cash Out Refi, with 671 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,025 $2,412,675,000 $267,332 $5,319 4.70%
    10 Year 749 $88,055,000 $117,563 $3,370 6.20%
    15 Year 587 $127,825,000 $217,760 $4,031 4.07%
    30+ year 186 $118,440,000 $636,774 $8,145 5.13%
    20 Year 134 $32,870,000 $245,299 $3,957 4.49%
    Other 99 $24,245,000 $244,899 $4,573 5.82%
    5 Year 10 $8,060,000 $806,000 $0 5.16%
    1 Year 1 $605,000 $605,000 $0 5.25%
    3 Year 1 $115,000 $115,000 $0 5.25%

    For 2018, Fidelity Bank's most frequently cited loan duration was 30 Year, with 9,025 originations. The 2nd most popular length was 10 Year, with 749 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,581 $1,225,465,000 $267,510
    $1k-2k 1,868 $466,200,000 $249,572
    $2k-3k 1,401 $346,875,000 $247,591
    $3k-4k 832 $247,110,000 $297,007
    $5k+ 346 $172,600,000 $498,844
    $4k-5k 334 $123,110,000 $368,593

    Fidelity Bank's average total fees were $5,319, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,581 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 7,475 $2,047,495,000 $273,912
    5-6% 1,765 $430,055,000 $243,657
    3-4% 962 $252,520,000 $262,495
    6-7% 274 $43,450,000 $158,577
    7-8% 56 $5,080,000 $90,714
    Over 8% 19 $2,265,000 $119,211
    2.5-3% 1 $195,000 $195,000

    During 2018, Fidelity Bank's average interest rate for loans was 4.70%, while their most frequently originated rate bucket for loans was 4-5%, with 7,475 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,159 $1,441,955,000 $279,503 $5,490 4.64%
    $100k-200k 3,220 $497,010,000 $154,351 $4,307 4.77%
    $400k-600k 1,158 $529,080,000 $456,891 $6,508 4.62%
    $100,000 or less 950 $61,630,000 $64,874 $3,171 5.55%
    $600k-1MM 242 $175,740,000 $726,198 $7,958 4.73%
    $1MM+ 63 $107,475,000 $1,705,952 $11,260 5.02%

    2018 saw Fidelity Bank place emphasis on $200k-400k loans with 5,159 originations, totaling $1,441,955,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,528 $509,830,000 $201,673 $5,073 4.71%
    $100k-150k 2,385 $675,265,000 $283,130 $5,504 4.73%
    $75k-100k 1,962 $468,300,000 $238,685 $5,425 4.74%
    $150k-250k 1,680 $550,100,000 $327,440 $5,594 4.81%
    $50k or less 1,406 $205,610,000 $146,238 $4,396 4.75%
    $250k+ 747 $350,965,000 $469,833 $6,386 4.87%

    Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 2,528 originations. The second most popular income band? $100k-150k, with 2,385 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,992 $510,600,000 $256,325 $4,873 4.73%
    30-36% 1,925 $510,075,000 $264,974 $5,114 4.74%
    <20% 684 $162,010,000 $236,857 $4,536 4.70%
    50-60% 539 $143,185,000 $265,649 $7,747 4.71%
    42% 498 $144,410,000 $289,980 $5,543 4.79%
    44% 481 $114,695,000 $238,451 $5,207 4.82%
    49% 460 $117,790,000 $256,065 $5,286 4.68%
    40% 438 $114,020,000 $260,320 $5,205 4.84%
    41% 417 $110,705,000 $265,480 $5,393 4.81%
    39% 404 $106,110,000 $262,649 $5,376 4.80%
    45% 394 $94,330,000 $239,416 $5,079 4.77%
    43% 378 $93,620,000 $247,672 $5,011 4.76%
    46% 371 $93,865,000 $253,005 $5,336 4.72%
    36% 364 $91,420,000 $251,154 $5,153 4.80%
    37% 358 $92,320,000 $257,877 $5,378 4.78%
    38% 353 $92,375,000 $261,686 $5,306 4.78%
    47% 352 $93,260,000 $264,943 $5,466 4.69%
    48% 343 $86,365,000 $251,793 $5,207 4.70%
    >60% 19 $6,725,000 $353,947 $11,182 5.72%

    Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 1,992 originations. The next most common DTI ratio? 30-36%, with 1,925 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,270 $1,864,890,000 $256,519 $5,157 4.77%
    Not provided 1,922 $522,320,000 $271,759 $5,209 4.65%
    Black 1,063 $251,825,000 $236,900 $6,120 4.85%
    Asian 467 $124,955,000 $267,570 $5,328 4.65%
    Not applicable 18 $34,590,000 $1,921,667 $0 5.03%
    American Indian 25 $6,505,000 $260,200 $7,292 4.64%
    Asian Indian 8 $3,290,000 $411,250 $6,803 4.72%
    Other Asian 6 $1,400,000 $233,333 $4,122 5.06%
    Native Hawaiian or Islander 6 $1,380,000 $230,000 $4,777 4.77%
    Other Pacific Islander 3 $725,000 $241,667 $9,579 4.58%
    Korean 2 $480,000 $240,000 $4,537 4.63%
    Chinese 1 $385,000 $385,000 $3,216 4.63%
    Filipino 1 $145,000 $145,000 $2,818 4.63%

    Approval Rates

    Total approvals of all applications
    87.25%

    Fidelity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.86%

    Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,792 $2,812,890,000 $260,646

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $26,985,000 $5,397,000
    Single Family (1-4 Units):Manufactured 74 $8,940,000 $120,811
    Single Family (1-4 Units):Site-Built 10,713 $2,776,965,000 $259,215

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 512 $77,630,000 $151,621 $3,404 5.29%
    40-60% 722 $178,190,000 $246,801 $4,157 4.64%
    60-80% 2,729 $797,795,000 $292,340 $4,702 4.72%
    80-100% 6,140 $1,654,820,000 $269,515 $5,451 4.67%
    Over 100% 263 $77,855,000 $296,027 $10,514 4.56%
    Under 20% 426 $26,600,000 $62,441 $2,959 6.41%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Fidelity Direct Mortgage, LLC Conventional home mortgage Closing on a mortgage 1 100.0%