Fidelity Bank Mortgage Lending & HMDA Data, 2019
In 2019, Fidelity Bank of Atlanta, GA reported 7,195 mortgage applications totaling $2.0 billion, down 53% from 2018. The average application was for $273,754, and applicants reported an average income of $125,903. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (3,324), Washington-Arlington-Alexandria, DC-VA-MD-WV (552) and North Port-Sarasota-Bradenton, FL (286) (applications in parentheses).
| Mortgage Company & Address | Fidelity Bank 3 Corporate Blvd Ne Atlanta, GA 30329 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,195 |
| Total Mortgage Loan Application Amount | $1,969,665,000 |
| Average Mortgage Loan Application Amount | $273,754 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $125,903 |
| Highest Applicant Income | $3,269,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 3,324 | $ 911,020,000 | $ 274,073 | $ 131,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 552 | $ 192,560,000 | $ 348,840 | $ 118,309 |
| Outside any metro area | 401 | $ 97,935,000 | $ 244,226 | $ 124,254 |
| North Port-Sarasota-Bradenton, FL | 286 | $ 82,920,000 | $ 289,930 | $ 156,000 |
| Jacksonville, FL | 283 | $ 75,355,000 | $ 266,272 | $ 127,000 |
| Raleigh, NC | 241 | $ 58,205,000 | $ 241,514 | $ 95,000 |
| Baltimore-Columbia-Towson, MD | 202 | $ 53,410,000 | $ 264,405 | $ 93,000 |
| Orlando-Kissimmee-Sanford, FL | 147 | $ 42,025,000 | $ 285,884 | $ 141,000 |
| Savannah, GA | 147 | $ 33,825,000 | $ 230,102 | $ 108,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 132 | $ 32,280,000 | $ 244,545 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 113 | $ 28,635,000 | $ 253,407 | $ 103,000 |
| Naples-Immokalee-Marco Island, FL | 108 | $ 37,330,000 | $ 345,648 | $ 188,000 |
| Augusta-Richmond County, GA-SC | 105 | $ 23,905,000 | $ 227,666 | $ 98,866 |
| Athens-Clarke County, GA | 87 | $ 23,645,000 | $ 271,781 | $ 140,000 |
| Gainesville, GA | 82 | $ 22,910,000 | $ 279,390 | $ 117,000 |
| Tallahassee, FL | 80 | $ 14,620,000 | $ 182,750 | $ 93,000 |
| Charleston-North Charleston, SC | 76 | $ 26,550,000 | $ 349,342 | $ 125,000 |
| Greenville-Anderson-Mauldin, SC | 73 | $ 16,385,000 | $ 224,452 | $ 106,000 |
| Richmond, VA | 72 | $ 18,730,000 | $ 260,138 | $ 97,000 |
| Durham-Chapel Hill, NC | 60 | $ 17,090,000 | $ 284,833 | $ 129,000 |
| Charlotte-Concord-Gastonia, NC-SC | 50 | $ 13,690,000 | $ 273,800 | $ 128,540 |
| Deltona-Daytona Beach-Ormond Beach, FL | 40 | $ 9,120,000 | $ 228,000 | $ 173,000 |
| Hickory-Lenoir-Morganton, NC | 39 | $ 7,065,000 | $ 181,153 | $ 96,000 |
| Asheville, NC | 33 | $ 8,035,000 | $ 243,484 | $ 101,000 |
| Cape Coral-Fort Myers, FL | 33 | $ 8,025,000 | $ 243,181 | $ 141,000 |
| Rome, GA | 32 | $ 5,170,000 | $ 161,562 | $ 62,000 |
| Spartanburg, SC | 30 | $ 4,390,000 | $ 146,333 | $ 62,000 |
| Hinesville, GA | 24 | $ 3,840,000 | $ 160,000 | $ 68,000 |
| Miami-Miami Beach-Kendall, FL | 24 | $ 8,370,000 | $ 348,750 | $ 178,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 23 | $ 7,755,000 | $ 337,173 | $ 141,000 |
| Washington-Baltimore-Arlington, DC | 22 | $ 7,950,000 | $ 361,363 | $ 121,000 |
| Lakeland-Winter Haven, FL | 20 | $ 3,670,000 | $ 183,500 | $ 65,000 |
| Columbus, GA-AL | 17 | $ 3,735,000 | $ 219,705 | $ 80,294 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 5,545,000 | $ 369,666 | $ 178,000 |
| Fayetteville, NC | 14 | $ 2,070,000 | $ 147,857 | $ 75,000 |
| Sebastian-Vero Beach, FL | 14 | $ 6,110,000 | $ 436,428 | $ 160,000 |
| Greensboro-High Point, NC | 13 | $ 3,185,000 | $ 245,000 | $ 119,000 |
| Sebring, FL | 12 | $ 2,250,000 | $ 187,500 | $ 94,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 6,305,000 | $ 573,181 | $ 286,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 3,835,000 | $ 348,636 | $ 168,000 |
| Brunswick, GA | 10 | $ 3,430,000 | $ 343,000 | $ 179,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 3,100,000 | $ 310,000 | $ 153,200 |
| Salisbury, MD-DE | 10 | $ 1,740,000 | $ 174,000 | $ 110,000 |
| Macon-Bibb County, GA | 9 | $ 2,395,000 | $ 266,111 | $ 139,000 |
| Punta Gorda, FL | 9 | $ 1,975,000 | $ 219,444 | $ 77,000 |
| Port St. Lucie, FL | 6 | $ 2,630,000 | $ 438,333 | $ 227,000 |
| Rocky Mount, NC | 6 | $ 640,000 | $ 106,666 | $ 84,000 |
| Charlottesville, VA | 5 | $ 1,445,000 | $ 289,000 | $ 121,000 |
| Ocala, FL | 5 | $ 735,000 | $ 147,000 | $ 53,000 |
| Auburn-Opelika, AL | 4 | $ 500,000 | $ 125,000 | $ 65,000 |
| Birmingham-Hoover, AL | 4 | $ 4,070,000 | $ 1,017,500 | $ 294,000 |
| Columbia, SC | 4 | $ 840,000 | $ 210,000 | $ 158,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 900,000 | $ 225,000 | $ 106,000 |
| Burlington, NC | 3 | $ 595,000 | $ 198,333 | $ 70,000 |
| Chattanooga, TN-GA | 3 | $ 415,000 | $ 138,333 | $ 140,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 895,000 | $ 298,333 | $ 122,000 |
| Memphis, TN-MS-AR | 3 | $ 705,000 | $ 235,000 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,195,000 | $ 398,333 | $ 225,000 |
| Warner Robins, GA | 3 | $ 495,000 | $ 165,000 | $ 87,000 |
| Wilmington, DE-MD-NJ | 3 | $ 905,000 | $ 301,666 | $ 124,666 |
| Wilmington, NC | 3 | $ 565,000 | $ 188,333 | $ 99,000 |
| Dover, DE | 2 | $ 340,000 | $ 170,000 | $ 87,000 |
| Gainesville, FL | 2 | $ 200,000 | $ 100,000 | $ 43,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 480,000 | $ 240,000 | $ 62,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 870,000 | $ 435,000 | $ 204,000 |
| Montgomery, AL | 2 | $ 390,000 | $ 195,000 | $ 123,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,490,000 | $ 745,000 | $ 309,000 |
| Pittsburgh, PA | 2 | $ 390,000 | $ 195,000 | $ 145,000 |
| Roanoke, VA | 2 | $ 360,000 | $ 180,000 | $ 71,000 |
| Winston-Salem, NC | 2 | $ 580,000 | $ 290,000 | $ 78,000 |
| Dalton, GA | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 305,000 | $ 305,000 | $ 131,000 |
| Dothan, AL | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
| Gettysburg, PA | 1 | $ 115,000 | $ 115,000 | $ 117,000 |
| Harrisburg-Carlisle, PA | 1 | $ 575,000 | $ 575,000 | $ 383,000 |
| Huntsville, AL | 1 | $ 535,000 | $ 535,000 | $ 241,000 |
| Lancaster, PA | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Lynchburg, VA | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| New Orleans-Metairie, LA | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
| Panama City, FL | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Reading, PA | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 555,000 | $ 555,000 | $ 288,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Staunton-Waynesboro, VA | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Tuscaloosa, AL | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Valdosta, GA | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Winchester, VA-WV | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 5,856 | $1,656,920,000 | $282,000 | $3,505,000 | $123,000 | $3,269,000 |
| Cash-out Refinancing | 504 | $137,060,000 | $271,000 | $1,455,000 | $130,000 | $1,332,000 |
| Refinancing | 413 | $131,495,000 | $318,000 | $1,855,000 | $159,000 | $1,933,000 |
| Home Improvement | 243 | $23,685,000 | $97,000 | $575,000 | $134,000 | $923,000 |
| Other Purpose | 179 | $20,505,000 | $114,000 | $825,000 | $122,000 | $556,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,361 | $1,220,895,000 | $279,000 | $3,505,000 | $135,000 | $3,269,000 |
| Not Provided | 1,139 | $336,015,000 | $295,000 | $2,215,000 | $131,000 | $2,045,000 |
| Black or African American | 824 | $190,250,000 | $230,000 | $995,000 | $85,000 | $500,000 |
| Hispanic | 444 | $110,570,000 | $249,000 | $1,305,000 | $101,000 | $1,918,000 |
| Asian | 272 | $75,720,000 | $278,000 | $2,005,000 | $122,000 | $1,193,000 |
| Not applicable | 97 | $20,995,000 | $216,000 | $1,355,000 | $0 | $0 |
| American Indian or Alaskan Native | 34 | $8,470,000 | $249,000 | $1,955,000 | $107,000 | $745,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,015,000 | $338,000 | $765,000 | $130,000 | $305,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,371 | $1,529,295,000 | $284,000 | $3,505,000 | $141,000 | $3,269,000 |
| FHA-insured (Federal Housing Administration) | 1,223 | $271,155,000 | $221,000 | $715,000 | $72,000 | $461,000 |
| VA-guaranteed (Veterans Administration) | 525 | $155,845,000 | $296,000 | $1,135,000 | $98,000 | $636,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $13,370,000 | $175,000 | $375,000 | $56,000 | $106,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,256 | $1,434,390,000 | $272,000 | $3,505,000 | $126,000 | $3,269,000 |
| Application Withdrawn By Applicant | 976 | $284,690,000 | $291,000 | $2,005,000 | $131,000 | $1,193,000 |
| Application Denied By Financial Institution | 815 | $217,765,000 | $267,000 | $3,005,000 | $118,000 | $1,933,000 |
| Loan Purchased By The Institution | 86 | $17,710,000 | $205,000 | $605,000 | $0 | $0 |
| Application Approved But Not Accepted | 62 | $15,110,000 | $243,000 | $955,000 | $121,000 | $661,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 6,380 | $1,751,900,000 | $274,000 | $3,505,000 | $126,000 | $3,269,000 |
| Credit Application Incomplete | 277 | $88,385,000 | $319,000 | $2,505,000 | $144,000 | $1,933,000 |
| Debt-To-Income Ratio | 204 | $47,170,000 | $231,000 | $3,005,000 | $78,000 | $914,000 |
| Collateral | 113 | $24,685,000 | $218,000 | $905,000 | $122,000 | $658,000 |
| Unverifiable Information | 91 | $27,255,000 | $299,000 | $2,785,000 | $119,000 | $1,005,000 |
| Credit History | 85 | $19,185,000 | $225,000 | $1,005,000 | $127,000 | $1,918,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $4,685,000 | $246,000 | $665,000 | $97,000 | $383,000 |
| Other | 15 | $3,615,000 | $241,000 | $915,000 | $124,000 | $393,000 |
| Employment History | 11 | $2,785,000 | $253,000 | $785,000 | $114,000 | $474,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fidelity Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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