Fidelity Bank of Texas Mortgage Lending & HMDA Data, 2010
In 2010, Fidelity Bank of Texas of Waco, TX reported 318 mortgage applications totaling $51.2 million, up 218% from 2009. The average application was for $160,952, and applicants reported an average income of $37,584. 31% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Waco, TX (83), Fort Worth-Arlington, TX (23) and Houston-Sugar Land-Baytown, TX (22) (applications in parentheses).
| Mortgage Company & Address | Fidelity Bank of Texas Po Box 5540 Waco, TX 76708 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 | 318 |
| Total Mortgage Loan Application Amount | $51,183,000 |
| Average Mortgage Loan Application Amount | $160,952 |
| Highest Mortgage Loan Application Amount | $552,000 |
| Average Applicant Income | $37,584 |
| Highest Applicant Income | $1,190,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Bank of Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Waco, TX | 83 | $ 6,433,000 | $ 77,506 | $ 80,000 |
| Fort Worth-Arlington, TX | 23 | $ 3,341,000 | $ 145,260 | $ 5,000 |
| Houston-Sugar Land-Baytown, TX | 22 | $ 3,852,000 | $ 175,090 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 20 | $ 2,515,000 | $ 125,750 | $ 124,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 5,279,000 | $ 310,529 | $ 0 |
| Dallas-Plano-Irving, TX | 14 | $ 2,478,000 | $ 177,000 | $ 46,000 |
| Santa Ana-Anaheim-Irvine, CA | 14 | $ 4,684,000 | $ 334,571 | $ 0 |
| Rochester, NY | 12 | $ 1,756,000 | $ 146,333 | $ 0 |
| College Station-Bryan, TX | 7 | $ 1,261,000 | $ 180,142 | $ 46,000 |
| Raleigh-Cary, NC | 7 | $ 1,769,000 | $ 252,714 | $ 0 |
| Buffalo-Niagara Falls, NY | 6 | $ 867,000 | $ 144,500 | $ 0 |
| Indianapolis-Carmel, IN | 5 | $ 871,000 | $ 174,200 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,242,000 | $ 248,400 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,563,000 | $ 312,600 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 553,000 | $ 184,333 | $ 67,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 726,000 | $ 242,000 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 539,000 | $ 179,666 | $ 0 |
| San Antonio-New Braunfels, TX | 3 | $ 740,000 | $ 246,666 | $ 163,000 |
| Greensboro-High Point, NC | 2 | $ 252,000 | $ 126,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 298,000 | $ 149,000 | $ 0 |
| New Haven-Milford, CT | 2 | $ 542,000 | $ 271,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 683,000 | $ 341,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 724,000 | $ 362,000 | $ 0 |
| Wichita, KS | 2 | $ 495,000 | $ 247,500 | $ 0 |
| Boston-Quincy, MA | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Camden, NJ | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Chicago-Joliet-Naperville, IL | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Columbus, OH | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Elmira, NY | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Greeley, CO | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Nassau-Suffolk, NY | 1 | $ 193,000 | $ 193,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 173,000 | $ 173,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tacoma, WA | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 153,000 | $ 153,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank of Texas in 2010
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 | 179 | $23,909,000 | $133,000 | $412,000 | $30,000 | $389,000 |
| Refinancing | 111 | $25,922,000 | $233,000 | $552,000 | $26,000 | $230,000 |
| Home Improvement | 28 | $1,352,000 | $48,000 | $135,000 | $132,000 | $1,190,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 201 | $40,671,000 | $202,000 | $539,000 | $0 | $0 |
| White | 93 | $8,579,000 | $92,000 | $417,000 | $103,000 | $389,000 |
| Hispanic | 19 | $1,162,000 | $61,000 | $143,000 | $36,000 | $79,000 |
| American Indian or Alaskan Native | 2 | $144,000 | $72,000 | $86,000 | $745,000 | $1,190,000 |
| Black or African American | 2 | $75,000 | $37,000 | $40,000 | $38,000 | $54,000 |
| Not Provided | 1 | $552,000 | $552,000 | $552,000 | $220,000 | $220,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 239 | $38,082,000 | $159,000 | $552,000 | $50,000 | $1,190,000 |
| FHA-insured (Federal Housing Administration) | 49 | $7,621,000 | $155,000 | $373,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 30 | $5,480,000 | $182,000 | $329,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Purchased By The Institution | 180 | $38,176,000 | $212,000 | $539,000 | $0 | $0 |
| Loan Originated | 97 | $8,998,000 | $92,000 | $344,000 | $99,000 | $1,190,000 |
| Application Denied By Financial Institution | 20 | $1,312,000 | $65,000 | $160,000 | $39,000 | $115,000 |
| Application Approved But Not Accepted | 14 | $2,218,000 | $158,000 | $552,000 | $96,000 | $220,000 |
| Application Withdrawn By Applicant | 7 | $479,000 | $68,000 | $135,000 | $47,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $795,000 | $56,000 | $160,000 | $42,000 | $115,000 |
| Debt-To-Income Ratio | 4 | $343,000 | $85,000 | $143,000 | $32,000 | $57,000 |
| Collateral | 2 | $174,000 | $87,000 | $124,000 | $37,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank of Texas's 2010 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 of Texas'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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