Fidelity Bank Mortgage Lending & HMDA Data, 2010
In 2010, Fidelity Bank of Wichita, KS reported 3,294 mortgage applications totaling $300.5 million, down 9% from 2009. The average application was for $91,230, and applicants reported an average income of $64,647. 59% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Wichita, KS (1,482), Oklahoma City, OK (160) and Lawrence, KS (69) (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 | 3,294 |
| Total Mortgage Loan Application Amount | $300,513,000 |
| Average Mortgage Loan Application Amount | $91,230 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $64,647 |
| Highest Applicant Income | $1,650,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wichita, KS | 1,482 | $ 167,591,000 | $ 113,084 | $ 66,000 |
| Oklahoma City, OK | 160 | $ 13,696,000 | $ 85,600 | $ 78,000 |
| Lawrence, KS | 69 | $ 11,049,000 | $ 160,130 | $ 86,000 |
| Birmingham-Hoover, AL | 39 | $ 2,055,000 | $ 52,692 | $ 42,000 |
| Tulsa, OK | 37 | $ 1,814,000 | $ 49,027 | $ 48,000 |
| Little Rock-North Little Rock-Conway, AR | 23 | $ 1,097,000 | $ 47,695 | $ 56,000 |
| Santa Ana-Anaheim-Irvine, CA | 23 | $ 2,021,000 | $ 87,869 | $ 81,000 |
| Kansas City, MO-KS | 22 | $ 3,713,000 | $ 168,772 | $ 77,000 |
| Phoenix-Mesa-Glendale, AZ | 20 | $ 1,243,000 | $ 62,150 | $ 162,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 1,651,000 | $ 86,894 | $ 90,000 |
| Fort Smith, AR-OK | 17 | $ 757,000 | $ 44,529 | $ 62,411 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 1,440,000 | $ 84,705 | $ 61,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 1,313,000 | $ 87,533 | $ 71,000 |
| Mobile, AL | 14 | $ 967,000 | $ 69,071 | $ 44,000 |
| Pittsburgh, PA | 14 | $ 1,383,000 | $ 98,785 | $ 61,000 |
| Topeka, KS | 13 | $ 1,360,000 | $ 104,615 | $ 46,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 628,000 | $ 52,333 | $ 41,666 |
| Denver-Aurora-Broomfield, CO | 12 | $ 1,922,000 | $ 160,166 | $ 53,000 |
| Montgomery, AL | 12 | $ 555,000 | $ 46,250 | $ 50,000 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 915,000 | $ 76,250 | $ 64,000 |
| Jacksonville, FL | 11 | $ 707,000 | $ 64,272 | $ 47,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 1,376,000 | $ 125,090 | $ 35,000 |
| Albuquerque, NM | 10 | $ 699,000 | $ 69,900 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 988,000 | $ 98,800 | $ 16,000 |
| Dothan, AL | 10 | $ 555,000 | $ 55,500 | $ 49,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 666,000 | $ 66,600 | $ 77,000 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 598,000 | $ 59,800 | $ 144,000 |
| Knoxville, TN | 9 | $ 347,000 | $ 38,555 | $ 40,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 738,000 | $ 82,000 | $ 71,000 |
| Provo-Orem, UT | 9 | $ 686,000 | $ 76,222 | $ 151,000 |
| Tuscaloosa, AL | 9 | $ 521,000 | $ 57,888 | $ 52,000 |
| Chicago-Joliet-Naperville, IL | 8 | $ 1,303,000 | $ 162,875 | $ 195,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 502,000 | $ 62,750 | $ 71,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 700,000 | $ 87,500 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 215,000 | $ 30,714 | $ 36,000 |
| Lakeland-Winter Haven, FL | 7 | $ 387,000 | $ 55,285 | $ 56,000 |
| Las Cruces, NM | 7 | $ 228,000 | $ 32,571 | $ 35,000 |
| Memphis, TN-MS-AR | 7 | $ 583,000 | $ 83,285 | $ 46,000 |
| Pine Bluff, AR | 7 | $ 219,000 | $ 31,285 | $ 32,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 632,000 | $ 105,333 | $ 92,000 |
| Dallas-Plano-Irving, TX | 6 | $ 920,000 | $ 153,333 | $ 43,000 |
| Fayetteville, NC | 6 | $ 285,000 | $ 47,500 | $ 33,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 1,064,000 | $ 177,333 | $ 85,000 |
| Huntsville, AL | 6 | $ 161,000 | $ 26,833 | $ 36,000 |
| New York-White Plains-Wayne, NY-NJ | 6 | $ 1,192,000 | $ 198,666 | $ 166,500 |
| Ocala, FL | 6 | $ 476,000 | $ 79,333 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 351,000 | $ 58,500 | $ 91,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 505,000 | $ 84,166 | $ 56,000 |
| Tucson, AZ | 6 | $ 243,000 | $ 40,500 | $ 47,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,695,000 | $ 282,500 | $ 26,833 |
| Farmington, NM | 5 | $ 206,000 | $ 41,200 | $ 50,000 |
| Florence-Muscle Shoals, AL | 5 | $ 208,000 | $ 41,600 | $ 43,000 |
| Gary, IN | 5 | $ 555,000 | $ 111,000 | $ 56,000 |
| Goldsboro, NC | 5 | $ 219,000 | $ 43,800 | $ 25,000 |
| Jackson, MS | 5 | $ 371,000 | $ 74,200 | $ 38,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 459,000 | $ 91,800 | $ 81,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 325,000 | $ 65,000 | $ 56,000 |
| Anniston-Oxford, AL | 4 | $ 278,000 | $ 69,500 | $ 47,000 |
| Columbus, OH | 4 | $ 291,000 | $ 72,750 | $ 44,000 |
| El Paso, TX | 4 | $ 195,000 | $ 48,750 | $ 87,000 |
| Flint, MI | 4 | $ 379,000 | $ 94,750 | $ 32,000 |
| Fort Collins-Loveland, CO | 4 | $ 279,000 | $ 69,750 | $ 73,000 |
| Indianapolis-Carmel, IN | 4 | $ 300,000 | $ 75,000 | $ 60,000 |
| Manhattan, KS | 4 | $ 368,000 | $ 92,000 | $ 48,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 4 | $ 313,000 | $ 78,250 | $ 94,000 |
| Nassau-Suffolk, NY | 4 | $ 556,000 | $ 139,000 | $ 74,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 549,000 | $ 137,250 | $ 93,000 |
| Pascagoula, MS | 4 | $ 138,000 | $ 34,500 | $ 34,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 234,000 | $ 58,500 | $ 45,000 |
| Salt Lake City, UT | 4 | $ 449,000 | $ 112,250 | $ 12,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 216,000 | $ 54,000 | $ 59,000 |
| Valdosta, GA | 4 | $ 138,000 | $ 34,500 | $ 25,000 |
| Anderson, SC | 3 | $ 94,000 | $ 31,333 | $ 43,000 |
| Baton Rouge, LA | 3 | $ 212,000 | $ 70,666 | $ 39,000 |
| Columbia, SC | 3 | $ 149,000 | $ 49,666 | $ 29,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 78,000 | $ 26,000 | $ 41,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 179,000 | $ 59,666 | $ 15,000 |
| Florence, SC | 3 | $ 180,000 | $ 60,000 | $ 65,000 |
| Fort Worth-Arlington, TX | 3 | $ 220,000 | $ 73,333 | $ 52,000 |
| Fresno, CA | 3 | $ 187,000 | $ 62,333 | $ 66,000 |
| Gulfport-Biloxi, MS | 3 | $ 102,000 | $ 34,000 | $ 34,000 |
| Hattiesburg, MS | 3 | $ 159,000 | $ 53,000 | $ 45,000 |
| Hot Springs, AR | 3 | $ 143,000 | $ 47,666 | $ 113,000 |
| Jacksonville, NC | 3 | $ 111,000 | $ 37,000 | $ 34,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 220,000 | $ 73,333 | $ 84,000 |
| Las Vegas-Paradise, NV | 3 | $ 61,000 | $ 20,333 | $ 36,000 |
| Lawton, OK | 3 | $ 52,000 | $ 17,333 | $ 26,000 |
| North Port-Bradenton-Sarasota, FL | 3 | $ 225,000 | $ 75,000 | $ 70,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 220,000 | $ 73,333 | $ 6,000 |
| San Antonio-New Braunfels, TX | 3 | $ 238,000 | $ 79,333 | $ 33,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 641,000 | $ 213,666 | $ 102,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 267,000 | $ 89,000 | $ 84,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 191,000 | $ 63,666 | $ 42,000 |
| Shreveport-Bossier City, LA | 3 | $ 324,000 | $ 108,000 | $ 63,000 |
| Spartanburg, SC | 3 | $ 179,000 | $ 59,666 | $ 20,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 207,000 | $ 69,000 | $ 53,000 |
| Akron, OH | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Auburn-Opelika, AL | 2 | $ 156,000 | $ 78,000 | $ 42,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 105,000 | $ 52,500 | $ 13,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 194,000 | $ 97,000 | $ 71,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 78,000 | $ 39,000 | $ 37,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 75,000 | $ 37,500 | $ 47,000 |
| Chattanooga, TN-GA | 2 | $ 161,000 | $ 80,500 | $ 67,000 |
| Chico, CA | 2 | $ 180,000 | $ 90,000 | $ 83,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 366,000 | $ 183,000 | $ 90,000 |
| Clarksville, TN-KY | 2 | $ 33,000 | $ 16,500 | $ 52,000 |
| Colorado Springs, CO | 2 | $ 273,000 | $ 136,500 | $ 90,000 |
| Durham-Chapel Hill, NC | 2 | $ 215,000 | $ 107,500 | $ 23,000 |
| Edison-New Brunswick, NJ | 2 | $ 386,000 | $ 193,000 | $ 105,000 |
| Eugene-Springfield, OR | 2 | $ 80,000 | $ 40,000 | $ 31,000 |
| Gainesville, FL | 2 | $ 103,000 | $ 51,500 | $ 39,000 |
| Grand Junction, CO | 2 | $ 43,000 | $ 21,500 | $ 35,000 |
| Greeley, CO | 2 | $ 78,000 | $ 39,000 | $ 68,000 |
| Greensboro-High Point, NC | 2 | $ 150,000 | $ 75,000 | $ 43,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 65,000 | $ 32,500 | $ 67,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 104,000 | $ 52,000 | $ 46,000 |
| Jonesboro, AR | 2 | $ 111,000 | $ 55,500 | $ 64,000 |
| Macon, GA | 2 | $ 68,000 | $ 34,000 | $ 38,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 62,000 | $ 31,000 | $ 149,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 363,000 | $ 181,500 | $ 82,000 |
| Monroe, LA | 2 | $ 122,000 | $ 61,000 | $ 51,000 |
| Newark-Union, NJ-PA | 2 | $ 134,000 | $ 67,000 | $ 73,000 |
| Philadelphia, PA | 2 | $ 216,000 | $ 108,000 | $ 54,000 |
| Prescott, AZ | 2 | $ 165,000 | $ 82,500 | $ 117,000 |
| Punta Gorda, FL | 2 | $ 179,000 | $ 89,500 | $ 84,000 |
| Reno-Sparks, NV | 2 | $ 105,000 | $ 52,500 | $ 74,000 |
| Richmond, VA | 2 | $ 323,000 | $ 161,500 | $ 35,000 |
| Salem, OR | 2 | $ 132,000 | $ 66,000 | $ 65,000 |
| Santa Fe, NM | 2 | $ 51,000 | $ 25,500 | $ 46,000 |
| St. George, UT | 2 | $ 117,000 | $ 58,500 | $ 36,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 390,000 | $ 195,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 31,000 | $ 15,500 | $ 65,000 |
| Albany, GA | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 170,000 | $ 170,000 | $ 138,000 |
| Amarillo, TX | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Asheville, NC | 1 | $ 47,000 | $ 47,000 | $ 28,000 |
| Battle Creek, MI | 1 | $ 146,000 | $ 146,000 | $ 105,000 |
| Bay City, MI | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Beaumont-Port Arthur, TX | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Binghamton, NY | 1 | $ 42,000 | $ 42,000 | $ 36,000 |
| Boston-Quincy, MA | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Bowling Green, KY | 1 | $ 46,000 | $ 46,000 | $ 24,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 29,000 | $ 29,000 | $ 20,000 |
| Camden, NJ | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Canton-Massillon, OH | 1 | $ 109,000 | $ 109,000 | $ 76,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Columbus, GA-AL | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Corvallis, OR | 1 | $ 24,000 | $ 24,000 | $ 26,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Dayton, OH | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Gadsden, AL | 1 | $ 39,000 | $ 39,000 | $ 37,000 |
| Gainesville, GA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 91,000 | $ 91,000 | $ 30,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 200,000 | $ 200,000 | $ 12,000 |
| Johnson City, TN | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 70,000 | $ 70,000 | $ 86,000 |
| Lafayette, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lafayette, LA | 1 | $ 41,000 | $ 41,000 | $ 36,000 |
| Lansing-East Lansing, MI | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Longview, TX | 1 | $ 60,000 | $ 60,000 | $ 61,000 |
| Michigan City-La Porte, IN | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Morristown, TN | 1 | $ 33,000 | $ 33,000 | $ 23,000 |
| Muskegon-Norton Shores, MI | 1 | $ 101,000 | $ 101,000 | $ 44,000 |
| Napa, CA | 1 | $ 91,000 | $ 91,000 | $ 49,000 |
| New Haven-Milford, CT | 1 | $ 48,000 | $ 48,000 | $ 42,000 |
| Ocean City, NJ | 1 | $ 158,000 | $ 158,000 | $ 64,000 |
| Odessa, TX | 1 | $ 21,000 | $ 21,000 | $ 31,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 13,000 | $ 13,000 | $ 208,000 |
| Port St. Lucie, FL | 1 | $ 37,000 | $ 37,000 | $ 36,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 187,000 | $ 187,000 | $ 76,000 |
| Pueblo, CO | 1 | $ 91,000 | $ 91,000 | $ 73,000 |
| Raleigh-Cary, NC | 1 | $ 43,000 | $ 43,000 | $ 48,000 |
| Rochester, MN | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Rochester, NY | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 133,000 | $ 133,000 | $ 100,000 |
| Savannah, GA | 1 | $ 39,000 | $ 39,000 | $ 52,000 |
| Spokane, WA | 1 | $ 52,000 | $ 52,000 | $ 40,000 |
| St. Joseph, MO-KS | 1 | $ 120,000 | $ 120,000 | $ 97,000 |
| Stockton, CA | 1 | $ 49,000 | $ 49,000 | $ 40,000 |
| Tallahassee, FL | 1 | $ 38,000 | $ 38,000 | $ 40,000 |
| Toledo, OH | 1 | $ 73,000 | $ 73,000 | $ 83,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 119,000 | $ 119,000 | $ 99,000 |
| Wilmington, NC | 1 | $ 19,000 | $ 19,000 | $ 21,000 |
| Winchester, VA-WV | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 21,000 | $ 21,000 | $ 49,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank 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 | 2,217 | $179,697,000 | $81,000 | $574,000 | $58,000 | $984,000 |
| Refinancing | 933 | $118,149,000 | $126,000 | $675,000 | $79,000 | $1,650,000 |
| Home Improvement | 144 | $2,667,000 | $18,000 | $180,000 | $74,000 | $395,000 |
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 | 2,681 | $249,907,000 | $93,000 | $675,000 | $67,000 | $1,650,000 |
| Hispanic | 176 | $12,669,000 | $71,000 | $350,000 | $54,000 | $275,000 |
| Not Provided | 155 | $11,146,000 | $71,000 | $340,000 | $87,000 | $984,000 |
| Black or African American | 105 | $8,348,000 | $79,000 | $335,000 | $49,000 | $185,000 |
| Not applicable | 86 | $9,615,000 | $111,000 | $495,000 | $0 | $0 |
| Asian | 59 | $6,429,000 | $108,000 | $320,000 | $77,000 | $937,000 |
| American Indian or Alaskan Native | 21 | $1,201,000 | $57,000 | $121,000 | $45,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,198,000 | $108,000 | $191,000 | $59,000 | $192,000 |
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) | 2,338 | $186,676,000 | $79,000 | $675,000 | $70,000 | $1,650,000 |
| FHA-insured (Federal Housing Administration) | 832 | $95,264,000 | $114,000 | $408,000 | $50,000 | $277,000 |
| VA-guaranteed (Veterans Administration) | 124 | $18,573,000 | $149,000 | $574,000 | $60,000 | $246,000 |
| 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 | 1,947 | $213,272,000 | $109,000 | $675,000 | $70,000 | $1,650,000 |
| Application Denied By Financial Institution | 691 | $38,349,000 | $55,000 | $476,000 | $55,000 | $395,000 |
| Application Approved But Not Accepted | 419 | $23,558,000 | $56,000 | $320,000 | $65,000 | $984,000 |
| Application Withdrawn By Applicant | 127 | $12,879,000 | $101,000 | $417,000 | $69,000 | $352,000 |
| Loan Purchased By The Institution | 65 | $7,351,000 | $113,000 | $408,000 | $0 | $0 |
| File Closed For Incompleteness | 45 | $5,104,000 | $113,000 | $368,000 | $63,000 | $180,000 |
| 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 | 342 | $16,998,000 | $49,000 | $193,000 | $53,000 | $395,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 131 | $8,013,000 | $61,000 | $245,000 | $53,000 | $223,000 |
| Debt-To-Income Ratio | 115 | $7,365,000 | $64,000 | $360,000 | $53,000 | $216,000 |
| Other | 33 | $2,306,000 | $69,000 | $476,000 | $58,000 | $166,000 |
| Employment History | 27 | $1,346,000 | $49,000 | $148,000 | $55,000 | $208,000 |
| Collateral | 24 | $1,411,000 | $58,000 | $122,000 | $88,000 | $257,000 |
| Unverifiable Information | 18 | $885,000 | $49,000 | $91,000 | $74,000 | $322,000 |
| Mortgage Insurance Denied | 1 | $25,000 | $25,000 | $25,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank'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'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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