Fidelity Bank Mortgage Lending & HMDA Data, 2005

In 2005, Fidelity Bank of Wichita, KS reported 3,103 mortgage applications totaling $210.8 million, up 9% from 2004. The average application was for $67,947, and applicants reported an average income of $36,585. 44% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Wichita, KS (987), Fort Worth-Arlington, TX (319) and Dallas-Plano-Irving, TX (211) (applications in parentheses).

Mortgage Company & Address Fidelity Bank
100 E English
Wichita, KS 67202
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,103
Total Mortgage Loan Application Amount $210,840,000
Average Mortgage Loan Application Amount $67,947
Highest Mortgage Loan Application Amount $831,000
Average Applicant Income $36,585
Highest Applicant Income $490,000

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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Fidelity Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sedgwick, Kansas 862 $ 67,051,000 $ 77,785 $ 49,000
Tarrant, Texas 244 $ 10,776,000 $ 44,163 $ 0
Dallas, Texas 70 $ 3,012,000 $ 43,028 $ 0
Butler, Kansas 64 $ 5,113,000 $ 79,890 $ 67,000
Collin, Texas 58 $ 2,782,000 $ 47,965 $ 0
Denton, Texas 56 $ 2,842,000 $ 50,750 $ 0
Cowley, Kansas 55 $ 4,160,000 $ 75,636 $ 49,000
Oklahoma, Oklahoma 54 $ 5,229,000 $ 96,833 $ 53,000
Parker, Texas 49 $ 1,968,000 $ 40,163 $ 0
Sumner, Kansas 45 $ 3,388,000 $ 75,288 $ 51,000
Harris, Texas 32 $ 1,288,000 $ 40,250 $ 0
Middlesex, Massachusetts 20 $ 7,067,000 $ 353,350 $ 0
Johnson, Texas 19 $ 673,000 $ 35,421 $ 0
Harvey, Kansas 16 $ 1,254,000 $ 78,375 $ 50,000
Saline, Kansas 16 $ 516,000 $ 32,250 $ 62,000
Hood, Texas 16 $ 759,000 $ 47,437 $ 0
Montgomery, Texas 15 $ 582,000 $ 38,800 $ 46,000
Rockwall, Texas 14 $ 574,000 $ 41,000 $ 0
Reno, Kansas 13 $ 695,000 $ 53,461 $ 50,000
Essex, Massachusetts 13 $ 4,497,000 $ 345,923 $ 19,000
Canadian, Oklahoma 11 $ 1,123,000 $ 102,090 $ 72,000
Cleveland, Oklahoma 11 $ 1,119,000 $ 101,727 $ 61,000
Norfolk, Massachusetts 10 $ 3,480,000 $ 348,000 $ 11,000
Suffolk, Massachusetts 10 $ 3,060,000 $ 306,000 $ 0
Hennepin, Minnesota 9 $ 591,000 $ 65,666 $ 26,000
Fort Bend, Texas 9 $ 300,000 $ 33,333 $ 0
Baldwin, Alabama 8 $ 262,000 $ 32,750 $ 39,000
Houston, Alabama 8 $ 418,000 $ 52,250 $ 46,000
Walker, Alabama 8 $ 393,000 $ 49,125 $ 60,000
Hartford, Connecticut 8 $ 710,000 $ 88,750 $ 70,000
Riley, Kansas 8 $ 261,000 $ 32,625 $ 75,000
Calhoun, Alabama 7 $ 358,000 $ 51,142 $ 42,000
Pike, Mississippi 7 $ 320,000 $ 45,714 $ 40,000
Preble, Ohio 7 $ 94,000 $ 13,428 $ 0
Creek, Oklahoma 7 $ 332,000 $ 47,428 $ 45,000
Ellis, Texas 7 $ 220,000 $ 31,428 $ 0
Wise, Texas 7 $ 259,000 $ 37,000 $ 0
Choctaw, Alabama 6 $ 244,000 $ 40,666 $ 62,000
Jefferson, Alabama 6 $ 393,000 $ 65,500 $ 58,000
Mobile, Alabama 6 $ 381,000 $ 63,500 $ 34,000
St. Clair, Alabama 6 $ 576,000 $ 96,000 $ 49,000
Okaloosa, Florida 6 $ 283,000 $ 47,166 $ 21,000
Putnam, Florida 6 $ 304,000 $ 50,666 $ 46,000
Shawnee, Kansas 6 $ 326,000 $ 54,333 $ 30,000
Wayne, Michigan 6 $ 336,000 $ 56,000 $ 30,000
Adams, Mississippi 6 $ 277,000 $ 46,166 $ 94,000
Kings, New York 6 $ 912,000 $ 152,000 $ 86,000
Brunswick, North Carolina 6 $ 264,000 $ 44,000 $ 57,000
Conecuh, Alabama 5 $ 201,000 $ 40,200 $ 33,000
Escambia, Florida 5 $ 327,000 $ 65,400 $ 27,000
Santa Rosa, Florida 5 $ 264,000 $ 52,800 $ 43,000
Suwannee, Florida 5 $ 251,000 $ 50,200 $ 47,000
Madison, Illinois 5 $ 113,000 $ 22,600 $ 0
Plymouth, Massachusetts 5 $ 1,801,000 $ 360,200 $ 35,000
Lauderdale, Mississippi 5 $ 253,000 $ 50,600 $ 45,000
Rankin, Mississippi 5 $ 264,000 $ 52,800 $ 51,000
Franklin, Ohio 5 $ 413,000 $ 82,600 $ 22,000
Hamilton, Ohio 5 $ 177,000 $ 35,400 $ 12,000
Montgomery, Ohio 5 $ 224,000 $ 44,800 $ 21,000
Osage, Oklahoma 5 $ 224,000 $ 44,800 $ 44,000
Hamilton, Tennessee 5 $ 362,000 $ 72,400 $ 34,000
Kaufman, Texas 5 $ 273,000 $ 54,600 $ 0
Williamson, Texas 5 $ 138,000 $ 27,600 $ 0
Augusta, Virginia 5 $ 281,000 $ 56,200 $ 64,000
Covington, Alabama 4 $ 186,000 $ 46,500 $ 41,000
DeKalb, Alabama 4 $ 158,000 $ 39,500 $ 32,000
Marengo, Alabama 4 $ 142,000 $ 35,500 $ 41,000
Talladega, Alabama 4 $ 119,000 $ 29,750 $ 69,000
Winston, Alabama 4 $ 157,000 $ 39,250 $ 26,000
Humboldt, California 4 $ 619,000 $ 154,750 $ 54,000
Middlesex, Connecticut 4 $ 183,000 $ 45,750 $ 36,000
New Haven, Connecticut 4 $ 295,000 $ 73,750 $ 44,000
Broward, Florida 4 $ 650,000 $ 162,500 $ 102,000
Nassau, Florida 4 $ 261,000 $ 65,250 $ 44,000
Orange, Florida 4 $ 361,000 $ 90,250 $ 34,000
Walton, Florida 4 $ 186,000 $ 46,500 $ 53,000
Cook, Illinois 4 $ 349,000 $ 87,250 $ 35,000
Ford, Kansas 4 $ 356,000 $ 89,000 $ 49,000
Greenwood, Kansas 4 $ 86,000 $ 21,500 $ 37,000
Oakland, Michigan 4 $ 354,000 $ 88,500 $ 36,000
Dakota, Minnesota 4 $ 198,000 $ 49,500 $ 15,000
Jones, Mississippi 4 $ 160,000 $ 40,000 $ 29,000
Lincoln, Mississippi 4 $ 158,000 $ 39,500 $ 47,000
Yazoo, Mississippi 4 $ 163,000 $ 40,750 $ 38,000
Suffolk, New York 4 $ 806,000 $ 201,500 $ 44,000
Grady, Oklahoma 4 $ 226,000 $ 56,500 $ 46,000
Logan, Oklahoma 4 $ 401,000 $ 100,250 $ 69,000
Mayes, Oklahoma 4 $ 124,000 $ 31,000 $ 34,000
Pittsburg, Oklahoma 4 $ 120,000 $ 30,000 $ 24,000
Wagoner, Oklahoma 4 $ 175,000 $ 43,750 $ 25,000
Horry, South Carolina 4 $ 165,000 $ 41,250 $ 21,000
Lincoln, Tennessee 4 $ 150,000 $ 37,500 $ 27,000
Brazoria, Texas 4 $ 111,000 $ 27,750 $ 0
Travis, Texas 4 $ 167,000 $ 41,750 $ 0
Chilton, Alabama 3 $ 161,000 $ 53,666 $ 49,000
Cullman, Alabama 3 $ 121,000 $ 40,333 $ 26,000
Escambia, Alabama 3 $ 90,000 $ 30,000 $ 30,000
Lawrence, Alabama 3 $ 107,000 $ 35,666 $ 66,000
Marion, Alabama 3 $ 138,000 $ 46,000 $ 57,000
Marshall, Alabama 3 $ 105,000 $ 35,000 $ 52,000
Randolph, Alabama 3 $ 196,000 $ 65,333 $ 72,000
Tuscaloosa, Alabama 3 $ 179,000 $ 59,666 $ 41,000
Wilcox, Alabama 3 $ 118,000 $ 39,333 $ 28,000
Maricopa, Arizona 3 $ 149,000 $ 49,666 $ 61,000
Cross, Arkansas 3 $ 111,000 $ 37,000 $ 31,000
Jefferson, Arkansas 3 $ 134,000 $ 44,666 $ 66,000
Mississippi, Arkansas 3 $ 94,000 $ 31,333 $ 26,000
Phillips, Arkansas 3 $ 122,000 $ 40,666 $ 50,000
Brevard, Florida 3 $ 168,000 $ 56,000 $ 15,000
Citrus, Florida 3 $ 150,000 $ 50,000 $ 32,000
Clay, Florida 3 $ 161,000 $ 53,666 $ 26,000
Collier, Florida 3 $ 523,000 $ 174,333 $ 58,000
Jackson, Florida 3 $ 100,000 $ 33,333 $ 27,000
Lake, Florida 3 $ 189,000 $ 63,000 $ 50,000
Levy, Florida 3 $ 106,000 $ 35,333 $ 26,000
Osceola, Florida 3 $ 204,000 $ 68,000 $ 17,000
DeKalb, Georgia 3 $ 298,000 $ 99,333 $ 31,000
Lee, Georgia 3 $ 191,000 $ 63,666 $ 17,000
Champaign, Illinois 3 $ 81,000 $ 27,000 $ 0
Lake, Indiana 3 $ 301,000 $ 100,333 $ 39,000
Bourbon, Kansas 3 $ 160,000 $ 53,333 $ 59,000
McPherson, Kansas 3 $ 66,000 $ 22,000 $ 85,000
Bristol, Massachusetts 3 $ 700,000 $ 233,333 $ 0
Kent, Michigan 3 $ 232,000 $ 77,333 $ 0
Washington, Minnesota 3 $ 163,000 $ 54,333 $ 0
Benton, Mississippi 3 $ 137,000 $ 45,666 $ 45,000
Chickasaw, Mississippi 3 $ 107,000 $ 35,666 $ 29,000
Covington, Mississippi 3 $ 129,000 $ 43,000 $ 52,000
Hinds, Mississippi 3 $ 166,000 $ 55,333 $ 39,000
Jackson, Mississippi 3 $ 134,000 $ 44,666 $ 76,000
Lee, Mississippi 3 $ 150,000 $ 50,000 $ 43,000
Marion, Mississippi 3 $ 89,000 $ 29,666 $ 42,000
Marshall, Mississippi 3 $ 126,000 $ 42,000 $ 28,000
Scott, Mississippi 3 $ 118,000 $ 39,333 $ 27,000
Tippah, Mississippi 3 $ 155,000 $ 51,666 $ 62,000
Warren, Mississippi 3 $ 105,000 $ 35,000 $ 43,000
Wayne, Mississippi 3 $ 116,000 $ 38,666 $ 32,000
Winston, Mississippi 3 $ 138,000 $ 46,000 $ 32,000
Stone, Missouri 3 $ 558,000 $ 186,000 $ 213,000
Broome, New York 3 $ 144,000 $ 48,000 $ 68,000
Erie, New York 3 $ 87,000 $ 29,000 $ 114,000
Queens, New York 3 $ 451,000 $ 150,333 $ 44,000
Bladen, North Carolina 3 $ 178,000 $ 59,333 $ 62,000
Mahoning, Ohio 3 $ 118,000 $ 39,333 $ 0
Trumbull, Ohio 3 $ 176,000 $ 58,666 $ 21,000
McIntosh, Oklahoma 3 $ 159,000 $ 53,000 $ 111,000
Muskogee, Oklahoma 3 $ 233,000 $ 77,666 $ 81,000
Tulsa, Oklahoma 3 $ 128,000 $ 42,666 $ 27,000
Berkeley, South Carolina 3 $ 187,000 $ 62,333 $ 56,000
Dorchester, South Carolina 3 $ 143,000 $ 47,666 $ 51,000
Bledsoe, Tennessee 3 $ 150,000 $ 50,000 $ 29,000
Carroll, Tennessee 3 $ 88,000 $ 29,333 $ 35,000
Greene, Tennessee 3 $ 81,000 $ 27,000 $ 50,000
Sequatchie, Tennessee 3 $ 74,000 $ 24,666 $ 34,000
Warren, Tennessee 3 $ 66,000 $ 22,000 $ 24,000
Bell, Texas 3 $ 91,000 $ 30,333 $ 0
Grayson, Texas 3 $ 155,000 $ 51,666 $ 0
Smith, Texas 3 $ 141,000 $ 47,000 $ 0
Southampton, Virginia 3 $ 118,000 $ 39,333 $ 25,000
Blount, Alabama 2 $ 93,000 $ 46,500 $ 28,000
Coffee, Alabama 2 $ 54,000 $ 27,000 $ 67,000
Dallas, Alabama 2 $ 126,000 $ 63,000 $ 33,000
Elmore, Alabama 2 $ 117,000 $ 58,500 $ 46,000
Hale, Alabama 2 $ 106,000 $ 53,000 $ 45,000
Henry, Alabama 2 $ 72,000 $ 36,000 $ 51,000
Lee, Alabama 2 $ 83,000 $ 41,500 $ 63,000
La Paz, Arizona 2 $ 70,000 $ 35,000 $ 40,000
Pima, Arizona 2 $ 122,000 $ 61,000 $ 9,000
Ashley, Arkansas 2 $ 57,000 $ 28,500 $ 31,000
Clay, Arkansas 2 $ 62,000 $ 31,000 $ 27,000
Craighead, Arkansas 2 $ 79,000 $ 39,500 $ 73,000
Drew, Arkansas 2 $ 120,000 $ 60,000 $ 39,000
Hempstead, Arkansas 2 $ 20,000 $ 10,000 $ 119,000
Hot Spring, Arkansas 2 $ 118,000 $ 59,000 $ 50,000
Little River, Arkansas 2 $ 101,000 $ 50,500 $ 36,000
Logan, Arkansas 2 $ 34,000 $ 17,000 $ 40,000
Polk, Arkansas 2 $ 78,000 $ 39,000 $ 44,000
Pulaski, Arkansas 2 $ 90,000 $ 45,000 $ 35,000
Saline, Arkansas 2 $ 117,000 $ 58,500 $ 60,000
Union, Arkansas 2 $ 60,000 $ 30,000 $ 41,000
Riverside, California 2 $ 171,000 $ 85,500 $ 31,000
San Bernardino, California 2 $ 155,000 $ 77,500 $ 29,000
San Diego, California 2 $ 173,000 $ 86,500 $ 0
Litchfield, Connecticut 2 $ 270,000 $ 135,000 $ 62,000
Alachua, Florida 2 $ 173,000 $ 86,500 $ 58,000
Baker, Florida 2 $ 147,000 $ 73,500 $ 39,000
Bay, Florida 2 $ 116,000 $ 58,000 $ 28,000
Charlotte, Florida 2 $ 254,000 $ 127,000 $ 71,000
Columbia, Florida 2 $ 128,000 $ 64,000 $ 106,000
Duval, Florida 2 $ 72,000 $ 36,000 $ 24,000
Gadsden, Florida 2 $ 93,000 $ 46,500 $ 29,000
Gilchrist, Florida 2 $ 112,000 $ 56,000 $ 23,000
Hillsborough, Florida 2 $ 276,000 $ 138,000 $ 81,000
Holmes, Florida 2 $ 95,000 $ 47,500 $ 73,000
Lee, Florida 2 $ 340,000 $ 170,000 $ 108,000
Madison, Florida 2 $ 120,000 $ 60,000 $ 70,000
Marion, Florida 2 $ 164,000 $ 82,000 $ 36,000
Miami-Dade, Florida 2 $ 270,000 $ 135,000 $ 61,000
Palm Beach, Florida 2 $ 72,000 $ 36,000 $ 55,000
Pasco, Florida 2 $ 214,000 $ 107,000 $ 33,000
Pinellas, Florida 2 $ 332,000 $ 166,000 $ 79,000
St. Johns, Florida 2 $ 114,000 $ 57,000 $ 137,000
St. Lucie, Florida 2 $ 83,000 $ 41,500 $ 39,000
Sumter, Florida 2 $ 122,000 $ 61,000 $ 28,000
Appling, Georgia 2 $ 92,000 $ 46,000 $ 41,000
Bleckley, Georgia 2 $ 123,000 $ 61,500 $ 61,000
Clayton, Georgia 2 $ 265,000 $ 132,500 $ 0
Fulton, Georgia 2 $ 152,000 $ 76,000 $ 32,000
Gwinnett, Georgia 2 $ 152,000 $ 76,000 $ 25,000
Habersham, Georgia 2 $ 131,000 $ 65,500 $ 35,000
Heard, Georgia 2 $ 64,000 $ 32,000 $ 51,000
Madison, Georgia 2 $ 75,000 $ 37,500 $ 26,000
Richmond, Georgia 2 $ 133,000 $ 66,500 $ 0
St. Clair, Illinois 2 $ 106,000 $ 53,000 $ 29,000
Madison, Indiana 2 $ 140,000 $ 70,000 $ 49,000
Wayne, Indiana 2 $ 60,000 $ 30,000 $ 0
Johnson, Kansas 2 $ 23,000 $ 11,500 $ 31,000
Marion, Kansas 2 $ 135,000 $ 67,500 $ 138,000
Miami, Kansas 2 $ 76,000 $ 38,000 $ 54,000
Montgomery, Kansas 2 $ 79,000 $ 39,500 $ 31,000
Seward, Kansas 2 $ 96,000 $ 48,000 $ 46,000
Wyandotte, Kansas 2 $ 91,000 $ 45,500 $ 130,000
Jefferson, Louisiana 2 $ 183,000 $ 91,500 $ 11,000
St. Bernard, Louisiana 2 $ 84,000 $ 42,000 $ 12,000
St. Tammany, Louisiana 2 $ 246,000 $ 123,000 $ 48,000
Worcester, Massachusetts 2 $ 471,000 $ 235,500 $ 0
Genesee, Michigan 2 $ 127,000 $ 63,500 $ 24,000
Muskegon, Michigan 2 $ 62,000 $ 31,000 $ 0
Carroll, Mississippi 2 $ 127,000 $ 63,500 $ 42,000
Clarke, Mississippi 2 $ 117,000 $ 58,500 $ 37,000
Jasper, Mississippi 2 $ 125,000 $ 62,500 $ 105,000
Jefferson, Mississippi 2 $ 57,000 $ 28,500 $ 33,000
Lawrence, Mississippi 2 $ 84,000 $ 42,000 $ 41,000
Lowndes, Mississippi 2 $ 100,000 $ 50,000 $ 45,000
Madison, Mississippi 2 $ 103,000 $ 51,500 $ 17,000
Smith, Mississippi 2 $ 99,000 $ 49,500 $ 30,000
Tishomingo, Mississippi 2 $ 127,000 $ 63,500 $ 54,000
Walthall, Mississippi 2 $ 119,000 $ 59,500 $ 35,000
Callaway, Missouri 2 $ 69,000 $ 34,500 $ 55,000
Clay, Missouri 2 $ 69,000 $ 34,500 $ 31,000
Jackson, Missouri 2 $ 177,000 $ 88,500 $ 40,000
Jefferson, Missouri 2 $ 60,000 $ 30,000 $ 37,000
St. Francois, Missouri 2 $ 69,000 $ 34,500 $ 40,000
Clark, Nevada 2 $ 228,000 $ 114,000 $ 17,000
Hillsborough, New Hampshire 2 $ 195,000 $ 97,500 $ 35,000
Essex, New Jersey 2 $ 298,000 $ 149,000 $ 57,000
Monmouth, New Jersey 2 $ 248,000 $ 124,000 $ 70,000
Lea, New Mexico 2 $ 97,000 $ 48,500 $ 73,000
Richmond, New York 2 $ 315,000 $ 157,500 $ 61,000
Carteret, North Carolina 2 $ 109,000 $ 54,500 $ 26,000
Craven, North Carolina 2 $ 96,000 $ 48,000 $ 40,000
Duplin, North Carolina 2 $ 99,000 $ 49,500 $ 43,000
Gaston, North Carolina 2 $ 180,000 $ 90,000 $ 10,000
Halifax, North Carolina 2 $ 87,000 $ 43,500 $ 78,000
Johnston, North Carolina 2 $ 212,000 $ 106,000 $ 30,000
Mecklenburg, North Carolina 2 $ 176,000 $ 88,000 $ 37,000
Robeson, North Carolina 2 $ 73,000 $ 36,500 $ 40,000
Sampson, North Carolina 2 $ 114,000 $ 57,000 $ 57,000
Lucas, Ohio 2 $ 23,000 $ 11,500 $ 0
Carter, Oklahoma 2 $ 118,000 $ 59,000 $ 35,000
Cherokee, Oklahoma 2 $ 47,000 $ 23,500 $ 49,000
Kay, Oklahoma 2 $ 109,000 $ 54,500 $ 40,000
Latimer, Oklahoma 2 $ 65,000 $ 32,500 $ 26,000
Le Flore, Oklahoma 2 $ 110,000 $ 55,000 $ 28,000
Noble, Oklahoma 2 $ 104,000 $ 52,000 $ 40,000
Payne, Oklahoma 2 $ 124,000 $ 62,000 $ 31,000
Pottawatomie, Oklahoma 2 $ 140,000 $ 70,000 $ 88,000
Rogers, Oklahoma 2 $ 55,000 $ 27,500 $ 43,000
Stephens, Oklahoma 2 $ 103,000 $ 51,500 $ 69,000
Allegheny, Pennsylvania 2 $ 120,000 $ 60,000 $ 16,000
Chester, Pennsylvania 2 $ 162,000 $ 81,000 $ 21,000
Philadelphia, Pennsylvania 2 $ 137,000 $ 68,500 $ 26,000
Charleston, South Carolina 2 $ 135,000 $ 67,500 $ 59,000
Clarendon, South Carolina 2 $ 133,000 $ 66,500 $ 66,000
Florence, South Carolina 2 $ 74,000 $ 37,000 $ 43,000
Georgetown, South Carolina 2 $ 69,000 $ 34,500 $ 37,000
Greenwood, South Carolina 2 $ 112,000 $ 56,000 $ 29,000
Saluda, South Carolina 2 $ 49,000 $ 24,500 $ 32,000
Blount, Tennessee 2 $ 123,000 $ 61,500 $ 21,000
Grundy, Tennessee 2 $ 70,000 $ 35,000 $ 31,000
Henderson, Tennessee 2 $ 78,000 $ 39,000 $ 24,000
Marion, Tennessee 2 $ 65,000 $ 32,500 $ 27,000
Moore, Tennessee 2 $ 86,000 $ 43,000 $ 49,000
Sullivan, Tennessee 2 $ 108,000 $ 54,000 $ 37,000
Wayne, Tennessee 2 $ 95,000 $ 47,500 $ 48,000
Bastrop, Texas 2 $ 40,000 $ 20,000 $ 0
Bexar, Texas 2 $ 190,000 $ 95,000 $ 20,000
Cooke, Texas 2 $ 76,000 $ 38,000 $ 0
Erath, Texas 2 $ 87,000 $ 43,500 $ 0
Galveston, Texas 2 $ 64,000 $ 32,000 $ 0
Waller, Texas 2 $ 65,000 $ 32,500 $ 0
Stafford, Virginia 2 $ 410,000 $ 205,000 $ 83,000
Washington, Virginia 2 $ 109,000 $ 54,500 $ 35,000
Jackson, West Virginia 2 $ 104,000 $ 52,000 $ 62,000
Autauga, Alabama 1 $ 110,000 $ 110,000 $ 39,000
Butler, Alabama 1 $ 50,000 $ 50,000 $ 76,000
Clarke, Alabama 1 $ 32,000 $ 32,000 $ 37,000
Clay, Alabama 1 $ 51,000 $ 51,000 $ 34,000
Cleburne, Alabama 1 $ 65,000 $ 65,000 $ 43,000
Crenshaw, Alabama 1 $ 31,000 $ 31,000 $ 40,000
Dale, Alabama 1 $ 48,000 $ 48,000 $ 24,000
Fayette, Alabama 1 $ 24,000 $ 24,000 $ 14,000
Geneva, Alabama 1 $ 74,000 $ 74,000 $ 38,000
Greene, Alabama 1 $ 67,000 $ 67,000 $ 29,000
Lamar, Alabama 1 $ 35,000 $ 35,000 $ 41,000
Lauderdale, Alabama 1 $ 18,000 $ 18,000 $ 44,000
Madison, Alabama 1 $ 31,000 $ 31,000 $ 25,000
Montgomery, Alabama 1 $ 75,000 $ 75,000 $ 52,000
Pickens, Alabama 1 $ 38,000 $ 38,000 $ 19,000
Pike, Alabama 1 $ 49,000 $ 49,000 $ 46,000
Shelby, Alabama 1 $ 18,000 $ 18,000 $ 87,000
Tallapoosa, Alabama 1 $ 75,000 $ 75,000 $ 24,000
Washington, Alabama 1 $ 29,000 $ 29,000 $ 215,000
Mohave, Arizona 1 $ 127,000 $ 127,000 $ 51,000
Pinal, Arizona 1 $ 102,000 $ 102,000 $ 77,000
Yavapai, Arizona 1 $ 31,000 $ 31,000 $ 25,000
Benton, Arkansas 1 $ 42,000 $ 42,000 $ 31,000
Cleburne, Arkansas 1 $ 49,000 $ 49,000 $ 31,000
Cleveland, Arkansas 1 $ 72,000 $ 72,000 $ 34,000
Conway, Arkansas 1 $ 25,000 $ 25,000 $ 37,000
Crittenden, Arkansas 1 $ 44,000 $ 44,000 $ 44,000
Dallas, Arkansas 1 $ 56,000 $ 56,000 $ 30,000
Faulkner, Arkansas 1 $ 71,000 $ 71,000 $ 33,000
Fulton, Arkansas 1 $ 50,000 $ 50,000 $ 202,000
Garland, Arkansas 1 $ 41,000 $ 41,000 $ 59,000
Grant, Arkansas 1 $ 53,000 $ 53,000 $ 64,000
Independence, Arkansas 1 $ 59,000 $ 59,000 $ 46,000
Izard, Arkansas 1 $ 54,000 $ 54,000 $ 40,000
Lonoke, Arkansas 1 $ 50,000 $ 50,000 $ 41,000
Madison, Arkansas 1 $ 43,000 $ 43,000 $ 50,000
Marion, Arkansas 1 $ 31,000 $ 31,000 $ 31,000
Stone, Arkansas 1 $ 71,000 $ 71,000 $ 46,000
Van Buren, Arkansas 1 $ 34,000 $ 34,000 $ 30,000
Sacramento, California 1 $ 150,000 $ 150,000 $ 49,000
Solano, California 1 $ 114,000 $ 114,000 $ 0
Tehama, California 1 $ 138,000 $ 138,000 $ 84,000
Trinity, California 1 $ 171,000 $ 171,000 $ 21,000
Boulder, Colorado 1 $ 26,000 $ 26,000 $ 24,000
Pueblo, Colorado 1 $ 80,000 $ 80,000 $ 65,000
Summit, Colorado 1 $ 236,000 $ 236,000 $ 150,000
Weld, Colorado 1 $ 26,000 $ 26,000 $ 36,000
Fairfield, Connecticut 1 $ 75,000 $ 75,000 $ 22,000
New London, Connecticut 1 $ 196,000 $ 196,000 $ 0
Calhoun, Florida 1 $ 33,000 $ 33,000 $ 24,000
DeSoto, Florida 1 $ 49,000 $ 49,000 $ 27,000
Glades, Florida 1 $ 53,000 $ 53,000 $ 29,000
Hamilton, Florida 1 $ 47,000 $ 47,000 $ 42,000
Highlands, Florida 1 $ 36,000 $ 36,000 $ 20,000
Lafayette, Florida 1 $ 65,000 $ 65,000 $ 43,000
Monroe, Florida 1 $ 198,000 $ 198,000 $ 59,000
Okeechobee, Florida 1 $ 34,000 $ 34,000 $ 51,000
Polk, Florida 1 $ 25,000 $ 25,000 $ 32,000
Taylor, Florida 1 $ 34,000 $ 34,000 $ 32,000
Union, Florida 1 $ 67,000 $ 67,000 $ 35,000
Volusia, Florida 1 $ 38,000 $ 38,000 $ 22,000
Wakulla, Florida 1 $ 48,000 $ 48,000 $ 28,000
Bacon, Georgia 1 $ 42,000 $ 42,000 $ 39,000
Baldwin, Georgia 1 $ 36,000 $ 36,000 $ 21,000
Brooks, Georgia 1 $ 38,000 $ 38,000 $ 34,000
Bryan, Georgia 1 $ 75,000 $ 75,000 $ 35,000
Burke, Georgia 1 $ 57,000 $ 57,000 $ 48,000
Chatham, Georgia 1 $ 31,000 $ 31,000 $ 44,000
Clarke, Georgia 1 $ 84,000 $ 84,000 $ 0
Clay, Georgia 1 $ 76,000 $ 76,000 $ 35,000
Dade, Georgia 1 $ 64,000 $ 64,000 $ 36,000
Dodge, Georgia 1 $ 36,000 $ 36,000 $ 18,000
Douglas, Georgia 1 $ 83,000 $ 83,000 $ 0
Effingham, Georgia 1 $ 101,000 $ 101,000 $ 86,000
Emanuel, Georgia 1 $ 66,000 $ 66,000 $ 42,000
Grady, Georgia 1 $ 75,000 $ 75,000 $ 35,000
Hall, Georgia 1 $ 10,000 $ 10,000 $ 21,000
Harris, Georgia 1 $ 64,000 $ 64,000 $ 94,000
Irwin, Georgia 1 $ 26,000 $ 26,000 $ 34,000
Jeff Davis, Georgia 1 $ 44,000 $ 44,000 $ 65,000
Jefferson, Georgia 1 $ 40,000 $ 40,000 $ 18,000
Laurens, Georgia 1 $ 65,000 $ 65,000 $ 40,000
Liberty, Georgia 1 $ 67,000 $ 67,000 $ 38,000
Macon, Georgia 1 $ 56,000 $ 56,000 $ 36,000
Marion, Georgia 1 $ 76,000 $ 76,000 $ 30,000
McDuffie, Georgia 1 $ 65,000 $ 65,000 $ 49,000
Meriwether, Georgia 1 $ 45,000 $ 45,000 $ 25,000
Mitchell, Georgia 1 $ 64,000 $ 64,000 $ 83,000
Monroe, Georgia 1 $ 75,000 $ 75,000 $ 34,000
Paulding, Georgia 1 $ 62,000 $ 62,000 $ 50,000
Pulaski, Georgia 1 $ 28,000 $ 28,000 $ 29,000
Sumter, Georgia 1 $ 65,000 $ 65,000 $ 32,000
Tattnall, Georgia 1 $ 50,000 $ 50,000 $ 36,000
Taylor, Georgia 1 $ 40,000 $ 40,000 $ 18,000
Thomas, Georgia 1 $ 60,000 $ 60,000 $ 28,000
Tift, Georgia 1 $ 54,000 $ 54,000 $ 48,000
Toombs, Georgia 1 $ 41,000 $ 41,000 $ 25,000
Treutlen, Georgia 1 $ 55,000 $ 55,000 $ 23,000
Warren, Georgia 1 $ 46,000 $ 46,000 $ 33,000
Washington, Georgia 1 $ 69,000 $ 69,000 $ 66,000
White, Georgia 1 $ 150,000 $ 150,000 $ 25,000
Christian, Illinois 1 $ 21,000 $ 21,000 $ 0
Macon, Illinois 1 $ 57,000 $ 57,000 $ 0
Clark, Indiana 1 $ 71,000 $ 71,000 $ 18,000
Marion, Indiana 1 $ 75,000 $ 75,000 $ 67,000
Union, Indiana 1 $ 16,000 $ 16,000 $ 0
Allen, Kansas 1 $ 37,000 $ 37,000 $ 24,000
Chautauqua, Kansas 1 $ 29,000 $ 29,000 $ 53,000
Clay, Kansas 1 $ 64,000 $ 64,000 $ 0
Douglas, Kansas 1 $ 105,000 $ 105,000 $ 75,000
Kiowa, Kansas 1 $ 95,000 $ 95,000 $ 113,000
Neosho, Kansas 1 $ 2,000 $ 2,000 $ 11,000
Ottawa, Kansas 1 $ 25,000 $ 25,000 $ 87,000
Pottawatomie, Kansas 1 $ 12,000 $ 12,000 $ 14,000
Calloway, Kentucky 1 $ 20,000 $ 20,000 $ 19,000
Floyd, Kentucky 1 $ 76,000 $ 76,000 $ 37,000
Graves, Kentucky 1 $ 17,000 $ 17,000 $ 13,000
Kenton, Kentucky 1 $ 106,000 $ 106,000 $ 69,000
Marshall, Kentucky 1 $ 64,000 $ 64,000 $ 34,000
Pulaski, Kentucky 1 $ 59,000 $ 59,000 $ 19,000
Simpson, Kentucky 1 $ 55,000 $ 55,000 $ 92,000
Acadia, Louisiana 1 $ 32,000 $ 32,000 $ 24,000
East Baton Rouge, Louisiana 1 $ 74,000 $ 74,000 $ 0
St. James, Louisiana 1 $ 72,000 $ 72,000 $ 0
Tangipahoa, Louisiana 1 $ 32,000 $ 32,000 $ 66,000
Webster, Louisiana 1 $ 14,000 $ 14,000 $ 27,000
Cumberland, Maine 1 $ 322,000 $ 322,000 $ 0
Kennebec, Maine 1 $ 25,000 $ 25,000 $ 0
Howard, Maryland 1 $ 100,000 $ 100,000 $ 74,000
Barnstable, Massachusetts 1 $ 420,000 $ 420,000 $ 0
Alcona, Michigan 1 $ 31,000 $ 31,000 $ 0
Eaton, Michigan 1 $ 54,000 $ 54,000 $ 60,000
Ingham, Michigan 1 $ 119,000 $ 119,000 $ 0
Iosco, Michigan 1 $ 59,000 $ 59,000 $ 0
Montcalm, Michigan 1 $ 72,000 $ 72,000 $ 0
Saginaw, Michigan 1 $ 69,000 $ 69,000 $ 28,000
Tuscola, Michigan 1 $ 64,000 $ 64,000 $ 0
Anoka, Minnesota 1 $ 37,000 $ 37,000 $ 0
Goodhue, Minnesota 1 $ 33,000 $ 33,000 $ 0
Lyon, Minnesota 1 $ 47,000 $ 47,000 $ 0
Olmsted, Minnesota 1 $ 36,000 $ 36,000 $ 0
Ramsey, Minnesota 1 $ 23,000 $ 23,000 $ 0
Alcorn, Mississippi 1 $ 38,000 $ 38,000 $ 24,000
Amite, Mississippi 1 $ 44,000 $ 44,000 $ 63,000
Attala, Mississippi 1 $ 37,000 $ 37,000 $ 23,000
Clay, Mississippi 1 $ 62,000 $ 62,000 $ 67,000
Copiah, Mississippi 1 $ 34,000 $ 34,000 $ 47,000
Hancock, Mississippi 1 $ 31,000 $ 31,000 $ 48,000
Harrison, Mississippi 1 $ 56,000 $ 56,000 $ 123,000
Holmes, Mississippi 1 $ 14,000 $ 14,000 $ 26,000
Itawamba, Mississippi 1 $ 16,000 $ 16,000 $ 31,000
Lamar, Mississippi 1 $ 46,000 $ 46,000 $ 27,000
Monroe, Mississippi 1 $ 72,000 $ 72,000 $ 70,000
Montgomery, Mississippi 1 $ 29,000 $ 29,000 $ 13,000
Neshoba, Mississippi 1 $ 50,000 $ 50,000 $ 29,000
Oktibbeha, Mississippi 1 $ 57,000 $ 57,000 $ 80,000
Perry, Mississippi 1 $ 27,000 $ 27,000 $ 33,000
Simpson, Mississippi 1 $ 80,000 $ 80,000 $ 71,000
Stone, Mississippi 1 $ 66,000 $ 66,000 $ 35,000
Tate, Mississippi 1 $ 32,000 $ 32,000 $ 32,000
Union, Mississippi 1 $ 31,000 $ 31,000 $ 29,000
Washington, Mississippi 1 $ 293,000 $ 293,000 $ 188,000
Webster, Mississippi 1 $ 22,000 $ 22,000 $ 26,000
Yalobusha, Mississippi 1 $ 65,000 $ 65,000 $ 112,000
Barry, Missouri 1 $ 150,000 $ 150,000 $ 360,000
Bates, Missouri 1 $ 25,000 $ 25,000 $ 83,000
Boone, Missouri 1 $ 44,000 $ 44,000 $ 42,000
Crawford, Missouri 1 $ 53,000 $ 53,000 $ 42,000
Dallas, Missouri 1 $ 74,000 $ 74,000 $ 67,000
Dunklin, Missouri 1 $ 43,000 $ 43,000 $ 52,000
Greene, Missouri 1 $ 29,000 $ 29,000 $ 15,000
Johnson, Missouri 1 $ 60,000 $ 60,000 $ 76,000
Lawrence, Missouri 1 $ 21,000 $ 21,000 $ 15,000
Madison, Missouri 1 $ 35,000 $ 35,000 $ 44,000
Morgan, Missouri 1 $ 41,000 $ 41,000 $ 130,000
Phelps, Missouri 1 $ 28,000 $ 28,000 $ 22,000
St. Louis, Missouri 1 $ 38,000 $ 38,000 $ 101,000
Webster, Missouri 1 $ 72,000 $ 72,000 $ 46,000
Douglas, Nevada 1 $ 22,000 $ 22,000 $ 41,000
Carroll, New Hampshire 1 $ 132,000 $ 132,000 $ 0
Grafton, New Hampshire 1 $ 50,000 $ 50,000 $ 0
Strafford, New Hampshire 1 $ 205,000 $ 205,000 $ 0
Burlington, New Jersey 1 $ 66,000 $ 66,000 $ 24,000
Cape May, New Jersey 1 $ 166,000 $ 166,000 $ 60,000
Cumberland, New Jersey 1 $ 61,000 $ 61,000 $ 105,000
Mercer, New Jersey 1 $ 47,000 $ 47,000 $ 49,000
Middlesex, New Jersey 1 $ 135,000 $ 135,000 $ 63,000
Somerset, New Jersey 1 $ 252,000 $ 252,000 $ 56,000
Warren, New Jersey 1 $ 64,000 $ 64,000 $ 15,000
Cibola, New Mexico 1 $ 86,000 $ 86,000 $ 63,000
Eddy, New Mexico 1 $ 46,000 $ 46,000 $ 63,000
McKinley, New Mexico 1 $ 40,000 $ 40,000 $ 68,000
Santa Fe, New Mexico 1 $ 43,000 $ 43,000 $ 41,000
Columbia, New York 1 $ 114,000 $ 114,000 $ 138,000
Greene, New York 1 $ 105,000 $ 105,000 $ 56,000
Monroe, New York 1 $ 86,000 $ 86,000 $ 61,000
Nassau, New York 1 $ 311,000 $ 311,000 $ 114,000
Oneida, New York 1 $ 109,000 $ 109,000 $ 46,000
Onondaga, New York 1 $ 51,000 $ 51,000 $ 37,000
Westchester, New York 1 $ 158,000 $ 158,000 $ 89,000
Ashe, North Carolina 1 $ 66,000 $ 66,000 $ 35,000
Beaufort, North Carolina 1 $ 41,000 $ 41,000 $ 25,000
Bertie, North Carolina 1 $ 36,000 $ 36,000 $ 30,000
Burke, North Carolina 1 $ 50,000 $ 50,000 $ 21,000
Catawba, North Carolina 1 $ 68,000 $ 68,000 $ 0
Cherokee, North Carolina 1 $ 45,000 $ 45,000 $ 42,000
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Mortgage Loan Application Detail Totals for Fidelity Bank in 2005

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 1,735 $128,961,000 $75,058 $831,000 $31,735 $360,000
Home Improvement 814 $29,206,000 $31,000 $146,000 $27,857 $215,000
Refinancing 554 $52,673,000 $110,687 $820,000 $52,406 $490,000

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
White 1,838 $123,966,000 $73,600 $800,000 $55,914 $490,000
Not applicable 846 $57,743,000 $106,636 $831,000 $0 $0
Not Provided 147 $8,951,000 $90,962 $311,000 $50,074 $210,000
Black or African American 125 $9,306,000 $73,500 $365,000 $41,125 $180,000
Hispanic 97 $6,657,000 $54,785 $238,000 $36,785 $192,000
Asian 30 $3,217,000 $119,777 $324,000 $54,888 $252,000
American Indian or Alaskan Native 19 $978,000 $46,125 $140,000 $51,500 $120,000
Native Hawaiian or Other Pacific Islander 1 $22,000 $22,000 $22,000 $141,000 $141,000

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) 2,641 $171,532,000 $83,837 $831,000 $44,270 $490,000
FHA-insured (Federal Housing Administration) 394 $32,078,000 $85,210 $300,000 $5,947 $107,000
VA-guaranteed (Veterans Administration) 68 $7,230,000 $84,666 $247,000 $17,166 $117,000
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 Originated 1,350 $105,119,000 $78,205 $600,000 $53,441 $490,000
Loan Purchased By The Institution 845 $57,453,000 $97,904 $831,000 $0 $0
Application Denied By Financial Institution 404 $19,596,000 $81,444 $292,000 $51,555 $180,000
Application Approved But Not Accepted 393 $18,991,000 $47,375 $180,000 $49,500 $231,000
Application Withdrawn By Applicant 85 $7,815,000 $104,052 $800,000 $59,000 $250,000
File Closed For Incompleteness 26 $1,866,000 $88,285 $365,000 $66,714 $165,000
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 196 $9,174,000 $82,285 $292,000 $44,714 $152,000
Other 60 $3,267,000 $58,000 $141,000 $43,764 $108,000
Unverifiable Information 55 $2,665,000 $50,071 $102,000 $46,357 $180,000
Debt-To-Income Ratio 52 $2,529,000 $70,416 $203,000 $33,666 $106,000
Employment History 22 $1,116,000 $46,750 $137,000 $33,500 $78,000
Collateral 19 $845,000 $55,200 $102,000 $84,600 $131,000
Credit Application Incomplete 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2005 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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