Fidelity Bank Mortgage Lending & HMDA Data, 2003
In 2003, Fidelity Bank of Wichita, KS reported 3,053 mortgage applications totaling $232.6 million. The average application was for $76,194, and applicants reported an average income of $65,671. 67% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Wichita, KS (1,901), Fort Worth-Arlington, TX (205) and Dallas, TX (198) (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 | 3,053 |
| Total Mortgage Loan Application Amount | $232,622,000 |
| Average Mortgage Loan Application Amount | $76,194 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $65,671 |
| Highest Applicant Income | $943,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,901 | $ 153,152,000 | $ 80,563 | $ 50,000 |
| Fort Worth-Arlington, TX | 205 | $ 7,545,000 | $ 36,804 | $ 111,000 |
| Dallas, TX | 198 | $ 7,500,000 | $ 37,878 | $ 106,000 |
| Houston, TX | 70 | $ 2,729,000 | $ 38,985 | $ 129,000 |
| New York, NY | 46 | $ 6,554,000 | $ 142,478 | $ 84,000 |
| Hartford, CT | 31 | $ 3,433,000 | $ 110,741 | $ 73,000 |
| Nassau-Suffolk, NY | 23 | $ 3,495,000 | $ 151,956 | $ 87,000 |
| Austin-San Marcos, TX | 22 | $ 848,000 | $ 38,545 | $ 91,000 |
| Brazoria, TX | 11 | $ 432,000 | $ 39,272 | $ 94,000 |
| Bridgeport, CT | 11 | $ 1,063,000 | $ 96,636 | $ 74,000 |
| Detroit, MI | 11 | $ 974,000 | $ 88,545 | $ 46,000 |
| Bergen-Passaic, NJ | 9 | $ 1,732,000 | $ 192,444 | $ 80,000 |
| Lawrence, KS | 9 | $ 587,000 | $ 65,222 | $ 112,000 |
| Youngstown-Warren, OH | 8 | $ 407,000 | $ 50,875 | $ 6,000 |
| Flint, MI | 7 | $ 393,000 | $ 56,142 | $ 23,000 |
| Los Angeles-Long Beach, CA | 7 | $ 890,000 | $ 127,142 | $ 58,000 |
| Rochester, NY | 6 | $ 409,000 | $ 68,166 | $ 67,000 |
| Topeka, KS | 6 | $ 360,000 | $ 60,000 | $ 41,000 |
| Buffalo-Niagara Falls, NY | 5 | $ 389,000 | $ 77,800 | $ 53,000 |
| Columbus, OH | 5 | $ 413,000 | $ 82,600 | $ 32,000 |
| Newark, NJ | 5 | $ 588,000 | $ 117,600 | $ 64,000 |
| Sherman-Denison, TX | 5 | $ 173,000 | $ 34,600 | $ 109,000 |
| Atlanta, GA | 4 | $ 673,000 | $ 168,250 | $ 108,000 |
| Chicago, IL | 4 | $ 332,000 | $ 83,000 | $ 41,000 |
| Dayton-Springfield, OH | 4 | $ 212,000 | $ 53,000 | $ 0 |
| Grand Rapids-Muskegon-Holland, MI | 4 | $ 216,000 | $ 54,000 | $ 30,000 |
| Knoxville, TN | 4 | $ 276,000 | $ 69,000 | $ 0 |
| Omaha, NE-IA | 4 | $ 241,000 | $ 60,250 | $ 69,000 |
| Saginaw-Bay City-Midland, MI | 4 | $ 235,000 | $ 58,750 | $ 0 |
| Baltimore, MD | 3 | $ 354,000 | $ 118,000 | $ 75,000 |
| Boston, MA-NH | 3 | $ 269,000 | $ 89,666 | $ 48,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 194,000 | $ 64,666 | $ 64,000 |
| Danbury, CT | 3 | $ 532,000 | $ 177,333 | $ 84,000 |
| Denver, CO | 3 | $ 172,000 | $ 57,333 | $ 29,000 |
| Jersey City, NJ | 3 | $ 272,000 | $ 90,666 | $ 72,000 |
| Killeen-Temple, TX | 3 | $ 110,000 | $ 36,666 | $ 169,000 |
| Las Vegas, NV-AZ | 3 | $ 368,000 | $ 122,666 | $ 34,000 |
| Louisville, KY-IN | 3 | $ 243,000 | $ 81,000 | $ 63,000 |
| Milwaukee-Waukesha, WI | 3 | $ 341,000 | $ 113,666 | $ 115,000 |
| Minneapolis-St. Paul, MN-WI | 3 | $ 137,000 | $ 45,666 | $ 65,000 |
| Orange County, CA | 3 | $ 559,000 | $ 186,333 | $ 82,000 |
| Phoenix-Mesa, AZ | 3 | $ 452,000 | $ 150,666 | $ 73,000 |
| Raleigh-Durham-Chapel Hill, NC | 3 | $ 145,000 | $ 48,333 | $ 18,000 |
| San Antonio, TX | 3 | $ 155,000 | $ 51,666 | $ 73,000 |
| Waterbury, CT | 3 | $ 245,000 | $ 81,666 | $ 92,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 328,000 | $ 164,000 | $ 95,000 |
| Albuquerque, NM | 2 | $ 145,000 | $ 72,500 | $ 66,000 |
| Cincinnati, OH-KY-IN | 2 | $ 116,000 | $ 58,000 | $ 55,000 |
| Dutchess County, NY | 2 | $ 320,000 | $ 160,000 | $ 316,000 |
| Galveston-Texas City, TX | 2 | $ 67,000 | $ 33,500 | $ 135,000 |
| Harrisburg-Lebanon-Carlisle, PA | 2 | $ 169,000 | $ 84,500 | $ 64,000 |
| Kansas City, MO-KS | 2 | $ 110,000 | $ 55,000 | $ 26,000 |
| Lexington, KY | 2 | $ 127,000 | $ 63,500 | $ 16,000 |
| Middlesex-Somerset-Hunterdon, NJ | 2 | $ 151,000 | $ 75,500 | $ 89,000 |
| New Haven-Meriden, CT | 2 | $ 117,000 | $ 58,500 | $ 43,000 |
| Newburgh, NY-PA | 2 | $ 283,000 | $ 141,500 | $ 65,000 |
| Philadelphia, PA-NJ | 2 | $ 170,000 | $ 85,000 | $ 54,000 |
| Pittsburgh, PA | 2 | $ 242,000 | $ 121,000 | $ 140,000 |
| Syracuse, NY | 2 | $ 92,000 | $ 46,000 | $ 23,000 |
| Trenton, NJ | 2 | $ 118,000 | $ 59,000 | $ 96,000 |
| Akron, OH | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Atlantic-Cape May, NJ | 1 | $ 92,000 | $ 92,000 | $ 102,000 |
| Beaumont-Port Arthur, TX | 1 | $ 28,000 | $ 28,000 | $ 124,000 |
| Boise City, ID | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| Bryan-College Station, TX | 1 | $ 71,000 | $ 71,000 | $ 96,000 |
| Canton-Massillon, OH | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 62,000 | $ 62,000 | $ 24,000 |
| Elkhart-Goshen, IN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fort Lauderdale, FL | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 49,000 | $ 49,000 | $ 23,000 |
| Jackson, MI | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Lima, OH | 1 | $ 68,000 | $ 68,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 42,000 | $ 42,000 | $ 85,000 |
| Miami, FL | 1 | $ 34,000 | $ 34,000 | $ 3,000 |
| Modesto, CA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Monmouth-Ocean, NJ | 1 | $ 79,000 | $ 79,000 | $ 78,000 |
| Nashville, TN | 1 | $ 61,000 | $ 61,000 | $ 0 |
| New London-Norwich, CT-RI | 1 | $ 83,000 | $ 83,000 | $ 124,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 153,000 | $ 153,000 | $ 115,000 |
| Oklahoma City, OK | 1 | $ 1,692,000 | $ 1,692,000 | $ 0 |
| Orlando, FL | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Portland-Vancouver, OR-WA | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Providence-Fall River-Warwick, RI-MA | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Reno, NV | 1 | $ 167,000 | $ 167,000 | $ 119,000 |
| Richmond-Petersburg, VA | 1 | $ 46,000 | $ 46,000 | $ 44,000 |
| Roanoke, VA | 1 | $ 53,000 | $ 53,000 | $ 81,000 |
| Sacramento, CA | 1 | $ 160,000 | $ 160,000 | $ 232,000 |
| San Jose, CA | 1 | $ 140,000 | $ 140,000 | $ 112,000 |
| Savannah, GA | 1 | $ 98,000 | $ 98,000 | $ 4,000 |
| Stamford-Norwalk, CT | 1 | $ 60,000 | $ 60,000 | $ 14,000 |
| Stockton-Lodi, CA | 1 | $ 74,000 | $ 74,000 | $ 105,000 |
| Tacoma, WA | 1 | $ 85,000 | $ 85,000 | $ 12,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 63,000 | $ 63,000 | $ 40,000 |
| Vallejo-Fairfield-Napa, CA | 1 | $ 106,000 | $ 106,000 | $ 37,000 |
| Ventura, CA | 1 | $ 119,000 | $ 119,000 | $ 92,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 77,000 | $ 77,000 | $ 73,000 |
| West Palm Beach-Boca Raton, FL | 1 | $ 54,000 | $ 54,000 | $ 46,000 |
| Wilmington, NC | 1 | $ 92,000 | $ 92,000 | $ 57,000 |
| Wilmington-Newark, DE-MD | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| York, PA | 1 | $ 41,000 | $ 41,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,682 | $153,040,000 | $89,891 | $497,000 | $59,054 | $943,000 |
| Home Improvement (one-to-four family) | 709 | $20,960,000 | $23,000 | $122,000 | $82,500 | $720,000 |
| Home Purchase (one-to-four family) | 659 | $54,730,000 | $65,764 | $777,000 | $4,588 | $800,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $3,892,000 | $1,396,000 | $2,000,000 | $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 | 2,489 | $188,508,000 | $89,000 | $777,000 | $64,366 | $943,000 |
| Hispanic | 146 | $12,822,000 | $257,000 | $2,000,000 | $50,100 | $250,000 |
| Information not provided by applicant in mail or telephone application | 144 | $12,624,000 | $85,888 | $301,000 | $53,777 | $558,000 |
| Black | 119 | $8,803,000 | $102,909 | $307,000 | $65,090 | $186,000 |
| Not applicable | 100 | $5,368,000 | $61,937 | $147,000 | $0 | $0 |
| Asian or Pacific Islander | 37 | $2,688,000 | $120,571 | $225,000 | $80,714 | $231,000 |
| Other | 13 | $1,319,000 | $132,333 | $229,000 | $109,000 | $288,000 |
| American Indian or Alaskan Native | 5 | $490,000 | $98,000 | $128,000 | $45,000 | $73,000 |
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) | 2,463 | $189,039,000 | $115,257 | $2,000,000 | $64,714 | $943,000 |
| FHA-insured (Federal Housing Administration) | 436 | $29,965,000 | $57,846 | $154,000 | $4,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 147 | $13,067,000 | $86,266 | $234,000 | $8,066 | $374,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $551,000 | $78,000 | $126,000 | $41,000 | $59,000 |
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 | 2,048 | $181,465,000 | $117,294 | $1,692,000 | $63,617 | $943,000 |
| Loan Purchased By The Institution | 629 | $24,766,000 | $61,944 | $147,000 | $7,333 | $720,000 |
| Application Denied By Financial Institution | 215 | $10,886,000 | $87,476 | $307,000 | $42,000 | $374,000 |
| Application Withdrawn By Applicant | 110 | $12,344,000 | $100,090 | $2,000,000 | $62,363 | $558,000 |
| Application Approved But Not Accepted | 51 | $3,161,000 | $61,000 | $191,000 | $52,000 | $125,000 |
| File Closed For Incompleteness | 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 | 141 | $5,990,000 | $81,470 | $255,000 | $47,352 | $250,000 |
| Credit Application Incomplete | 23 | $1,564,000 | $87,333 | $168,000 | $40,000 | $374,000 |
| Debt-To-Income Ratio | 18 | $1,883,000 | $134,000 | $307,000 | $40,142 | $114,000 |
| Collateral | 16 | $495,000 | $79,250 | $143,000 | $50,750 | $79,000 |
| Other | 11 | $479,000 | $50,333 | $95,000 | $27,666 | $54,000 |
| Employment History | 4 | $252,000 | $67,000 | $80,000 | $20,500 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $133,000 | $133,000 | $133,000 | $80,000 | $80,000 |
| Unverifiable Information | 1 | $90,000 | $90,000 | $90,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2003 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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