Fidelity Bank Mortgage Lending & HMDA Data, 2007
In 2007, Fidelity Bank of Wichita, KS reported 2,669 mortgage applications totaling $199.6 million, up 7% from 2006. The average application was for $74,789, and applicants reported an average income of $45,154. 50% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Wichita, KS (900), Fort Worth-Arlington, TX (209) and Dallas-Plano-Irving, TX (104) (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 | 2,669 |
| Total Mortgage Loan Application Amount | $199,613,000 |
| Average Mortgage Loan Application Amount | $74,789 |
| Highest Mortgage Loan Application Amount | $14,400,000 |
| Average Applicant Income | $45,154 |
| Highest Applicant Income | $581,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 900 | $ 80,774,000 | $ 89,748 | $ 60,000 |
| Fort Worth-Arlington, TX | 209 | $ 10,946,000 | $ 52,373 | $ 0 |
| Dallas-Plano-Irving, TX | 104 | $ 5,701,000 | $ 54,817 | $ 0 |
| Oklahoma City, OK | 38 | $ 17,935,000 | $ 471,973 | $ 37,000 |
| Houston-Sugar Land-Baytown, TX | 33 | $ 1,813,000 | $ 54,939 | $ 8,000 |
| Birmingham-Hoover, AL | 30 | $ 1,705,000 | $ 56,833 | $ 56,000 |
| San Diego-Carlsbad-San Marcos, CA | 30 | $ 2,583,000 | $ 86,100 | $ 0 |
| Tulsa, OK | 24 | $ 1,147,000 | $ 47,791 | $ 44,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 2,406,000 | $ 126,631 | $ 61,000 |
| Jacksonville, FL | 16 | $ 1,127,000 | $ 70,437 | $ 58,000 |
| Dothan, AL | 15 | $ 612,000 | $ 40,800 | $ 53,000 |
| Austin-Round Rock, TX | 13 | $ 505,000 | $ 38,846 | $ 0 |
| Gulfport-Biloxi, MS | 13 | $ 668,000 | $ 51,384 | $ 56,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 662,000 | $ 50,923 | $ 54,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 794,000 | $ 72,181 | $ 66,000 |
| Tuscaloosa, AL | 11 | $ 544,000 | $ 49,454 | $ 42,000 |
| Fort Smith, AR-OK | 9 | $ 635,000 | $ 70,555 | $ 53,333 |
| Pascagoula, MS | 9 | $ 350,000 | $ 38,888 | $ 51,000 |
| Hot Springs, AR | 8 | $ 625,000 | $ 78,125 | $ 45,000 |
| Jackson, MS | 8 | $ 348,000 | $ 43,500 | $ 40,000 |
| Mobile, AL | 8 | $ 378,000 | $ 47,250 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 795,000 | $ 99,375 | $ 53,000 |
| Charleston-North Charleston, SC | 7 | $ 469,000 | $ 67,000 | $ 44,000 |
| Hattiesburg, MS | 7 | $ 345,000 | $ 49,285 | $ 70,000 |
| Kansas City, MO-KS | 7 | $ 627,000 | $ 89,571 | $ 63,142 |
| Lakeland, FL | 7 | $ 459,000 | $ 65,571 | $ 51,000 |
| Orlando-Kissimmee, FL | 7 | $ 576,000 | $ 82,285 | $ 34,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 933,000 | $ 155,500 | $ 27,000 |
| Jonesboro, AR | 6 | $ 239,000 | $ 39,833 | $ 32,000 |
| Memphis, TN-MS-AR | 6 | $ 654,000 | $ 109,000 | $ 67,333 |
| Pine Bluff, AR | 6 | $ 235,000 | $ 39,166 | $ 68,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 333,000 | $ 66,600 | $ 33,000 |
| Columbia, SC | 5 | $ 273,000 | $ 54,600 | $ 42,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 411,000 | $ 82,200 | $ 9,000 |
| Las Cruces, NM | 5 | $ 211,000 | $ 42,200 | $ 56,000 |
| Las Vegas-Paradise, NV | 5 | $ 240,000 | $ 48,000 | $ 50,000 |
| Macon, GA | 5 | $ 292,000 | $ 58,400 | $ 32,000 |
| Montgomery, AL | 5 | $ 308,000 | $ 61,600 | $ 48,000 |
| Anderson, SC | 4 | $ 202,000 | $ 50,500 | $ 31,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 393,000 | $ 98,250 | $ 22,000 |
| Farmington, NM | 4 | $ 257,000 | $ 64,250 | $ 66,000 |
| Gainesville, FL | 4 | $ 270,000 | $ 67,500 | $ 42,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 101,000 | $ 25,250 | $ 0 |
| Lawrence, KS | 4 | $ 564,000 | $ 141,000 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 236,000 | $ 59,000 | $ 40,000 |
| Ocala, FL | 4 | $ 314,000 | $ 78,500 | $ 63,000 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 290,000 | $ 72,500 | $ 43,000 |
| Tallahassee, FL | 4 | $ 166,000 | $ 41,500 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 233,000 | $ 58,250 | $ 37,000 |
| Albany, GA | 3 | $ 175,000 | $ 58,333 | $ 39,000 |
| Columbus, OH | 3 | $ 436,000 | $ 145,333 | $ 81,000 |
| Dayton, OH | 3 | $ 99,000 | $ 33,000 | $ 8,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 128,000 | $ 42,666 | $ 65,000 |
| Flint, MI | 3 | $ 131,000 | $ 43,666 | $ 0 |
| Florence, SC | 3 | $ 124,000 | $ 41,333 | $ 109,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 224,000 | $ 74,666 | $ 174,000 |
| Greenville, NC | 3 | $ 121,000 | $ 40,333 | $ 29,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 515,000 | $ 171,666 | $ 64,000 |
| Panama City-Lynn Haven, FL | 3 | $ 188,000 | $ 62,666 | $ 45,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 304,000 | $ 101,333 | $ 0 |
| Rocky Mount, NC | 3 | $ 145,000 | $ 48,333 | $ 35,000 |
| Savannah, GA | 3 | $ 194,000 | $ 64,666 | $ 44,000 |
| Sherman-Denison, TX | 3 | $ 105,000 | $ 35,000 | $ 11,000 |
| Tyler, TX | 3 | $ 74,000 | $ 24,666 | $ 0 |
| Valdosta, GA | 3 | $ 200,000 | $ 66,666 | $ 42,000 |
| Akron, OH | 2 | $ 386,000 | $ 193,000 | $ 116,000 |
| Albuquerque, NM | 2 | $ 108,000 | $ 54,000 | $ 76,000 |
| Anniston-Oxford, AL | 2 | $ 108,000 | $ 54,000 | $ 59,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 153,000 | $ 76,500 | $ 76,000 |
| Brunswick, GA | 2 | $ 116,000 | $ 58,000 | $ 35,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 144,000 | $ 72,000 | $ 56,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 168,000 | $ 84,000 | $ 12,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 170,000 | $ 85,000 | $ 35,500 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 99,000 | $ 49,500 | $ 40,000 |
| Durham, NC | 2 | $ 264,000 | $ 132,000 | $ 59,000 |
| Edison, NJ | 2 | $ 278,000 | $ 139,000 | $ 56,000 |
| El Paso, TX | 2 | $ 103,000 | $ 51,500 | $ 0 |
| Florence-Muscle Shoals, AL | 2 | $ 74,000 | $ 37,000 | $ 53,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 318,000 | $ 159,000 | $ 58,000 |
| Gary, IN | 2 | $ 214,000 | $ 107,000 | $ 59,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 156,000 | $ 78,000 | $ 57,000 |
| Jackson, MI | 2 | $ 104,000 | $ 52,000 | $ 0 |
| Jackson, TN | 2 | $ 137,000 | $ 68,500 | $ 17,000 |
| Jacksonville, NC | 2 | $ 67,000 | $ 33,500 | $ 34,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 243,000 | $ 121,500 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 669,000 | $ 334,500 | $ 130,000 |
| Raleigh-Cary, NC | 2 | $ 106,000 | $ 53,000 | $ 35,000 |
| Reno-Sparks, NV | 2 | $ 74,000 | $ 37,000 | $ 43,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Shreveport-Bossier City, LA | 2 | $ 225,000 | $ 112,500 | $ 92,000 |
| Sumter, SC | 2 | $ 110,000 | $ 55,000 | $ 30,000 |
| Topeka, KS | 2 | $ 210,000 | $ 105,000 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 101,000 | $ 50,500 | $ 35,000 |
| Auburn-Opelika, AL | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Baton Rouge, LA | 1 | $ 33,000 | $ 33,000 | $ 52,000 |
| Battle Creek, MI | 1 | $ 52,000 | $ 52,000 | $ 31,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 182,000 | $ 182,000 | $ 85,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 70,000 | $ 70,000 | $ 61,000 |
| Burlington-South Burlington, VT | 1 | $ 476,000 | $ 476,000 | $ 192,000 |
| Canton-Massillon, OH | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Chattanooga, TN-GA | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Cleveland, TN | 1 | $ 37,000 | $ 37,000 | $ 44,000 |
| Colorado Springs, CO | 1 | $ 33,000 | $ 33,000 | $ 25,000 |
| Columbus, GA-AL | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Decatur, AL | 1 | $ 76,000 | $ 76,000 | $ 58,000 |
| Fayetteville, NC | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Flagstaff, AZ | 1 | $ 69,000 | $ 69,000 | $ 43,000 |
| Fresno, CA | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 46,000 | $ 46,000 | $ 29,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 49,000 | $ 49,000 | $ 70,000 |
| Hanford-Corcoran, CA | 1 | $ 124,000 | $ 124,000 | $ 220,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 198,000 | $ 198,000 | $ 94,000 |
| Indianapolis-Carmel, IN | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Kingston, NY | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Lafayette, LA | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Lancaster, PA | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| Lawton, OK | 1 | $ 12,000 | $ 12,000 | $ 24,000 |
| Lexington-Fayette, KY | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Madera, CA | 1 | $ 31,000 | $ 31,000 | $ 30,000 |
| Naples-Marco Island, FL | 1 | $ 413,000 | $ 413,000 | $ 180,000 |
| New Haven-Milford, CT | 1 | $ 127,000 | $ 127,000 | $ 83,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 68,000 | $ 68,000 | $ 50,000 |
| Olympia, WA | 1 | $ 23,000 | $ 23,000 | $ 42,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Prescott, AZ | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 42,000 | $ 42,000 | $ 31,000 |
| Punta Gorda, FL | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Richmond, VA | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Rochester, NY | 1 | $ 260,000 | $ 260,000 | $ 107,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 53,000 | $ 53,000 | $ 0 |
| San Antonio, TX | 1 | $ 86,000 | $ 86,000 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 72,000 | $ 72,000 | $ 58,000 |
| Santa Fe, NM | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Spartanburg, SC | 1 | $ 44,000 | $ 44,000 | $ 64,000 |
| St. Joseph, MO-KS | 1 | $ 77,000 | $ 77,000 | $ 54,000 |
| Tacoma, WA | 1 | $ 22,000 | $ 22,000 | $ 44,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 52,000 | $ 52,000 | $ 39,000 |
| Toledo, OH | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Tucson, AZ | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Warner Robins, GA | 1 | $ 77,000 | $ 77,000 | $ 64,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 98,000 | $ 98,000 | $ 57,000 |
| Wilmington, NC | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2007
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 | 1,730 | $136,581,000 | $78,000 | $14,400,000 | $50,000 | $581,000 |
| Home Improvement | 594 | $23,332,000 | $39,000 | $500,000 | $23,000 | $197,000 |
| Refinancing | 345 | $39,700,000 | $115,000 | $2,900,000 | $59,000 | $310,000 |
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 | 1,753 | $122,209,000 | $69,000 | $520,000 | $56,000 | $581,000 |
| Not applicable | 503 | $51,324,000 | $102,000 | $14,400,000 | $0 | $0 |
| Not Provided | 206 | $11,746,000 | $57,000 | $540,000 | $57,000 | $261,000 |
| Black or African American | 101 | $6,683,000 | $66,000 | $437,000 | $50,000 | $168,000 |
| Hispanic | 73 | $4,682,000 | $64,000 | $200,000 | $50,000 | $149,000 |
| American Indian or Alaskan Native | 15 | $679,000 | $45,000 | $103,000 | $43,000 | $113,000 |
| Asian | 15 | $2,063,000 | $137,000 | $371,000 | $69,000 | $318,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $227,000 | $75,000 | $109,000 | $32,000 | $47,000 |
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) | 2,286 | $162,611,000 | $71,000 | $14,400,000 | $45,000 | $581,000 |
| FHA-insured (Federal Housing Administration) | 323 | $28,759,000 | $89,000 | $203,000 | $39,000 | $369,000 |
| VA-guaranteed (Veterans Administration) | 60 | $8,243,000 | $137,000 | $415,000 | $67,000 | $180,000 |
| 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 | 1,323 | $122,115,000 | $92,000 | $14,400,000 | $57,000 | $581,000 |
| Application Approved But Not Accepted | 525 | $29,063,000 | $55,000 | $415,000 | $50,000 | $444,000 |
| Loan Purchased By The Institution | 478 | $26,073,000 | $54,000 | $201,000 | $0 | $0 |
| Application Denied By Financial Institution | 283 | $16,723,000 | $59,000 | $1,000,000 | $52,000 | $320,000 |
| Application Withdrawn By Applicant | 52 | $5,035,000 | $96,000 | $437,000 | $61,000 | $220,000 |
| File Closed For Incompleteness | 7 | $532,000 | $76,000 | $161,000 | $50,000 | $87,000 |
| Preapproval Approved but not Accepted | 1 | $72,000 | $72,000 | $72,000 | $48,000 | $48,000 |
| 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 | 139 | $6,960,000 | $50,000 | $185,000 | $46,000 | $177,000 |
| Debt-To-Income Ratio | 41 | $2,957,000 | $72,000 | $476,000 | $48,000 | $192,000 |
| Unverifiable Information | 33 | $1,476,000 | $44,000 | $87,000 | $70,000 | $320,000 |
| Other | 26 | $1,891,000 | $72,000 | $210,000 | $64,000 | $274,000 |
| Collateral | 20 | $2,083,000 | $104,000 | $1,000,000 | $58,000 | $147,000 |
| Employment History | 13 | $721,000 | $55,000 | $163,000 | $47,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $610,000 | $61,000 | $94,000 | $57,000 | $100,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2007 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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