Fidelity Bank Mortgage Lending & HMDA Data, 2011

In 2011, Fidelity Bank of Wichita, KS reported 3,357 mortgage applications totaling $311.5 million. The average application was for $92,794, and applicants reported an average income of $47,738. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Wichita, KS (1,378), Oklahoma City, OK (182) and Lawrence, KS (78) (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 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 3,357
Total Mortgage Loan Application Amount $311,510,000
Average Mortgage Loan Application Amount $92,794
Highest Mortgage Loan Application Amount $12,581,000
Average Applicant Income $47,738
Highest Applicant Income $1,156,000

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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2011

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 1,378 $ 163,490,000 $ 118,642 $ 70,000
Oklahoma City, OK 182 $ 35,176,000 $ 193,274 $ 61,000
Lawrence, KS 78 $ 11,677,000 $ 149,705 $ 73,000
Tulsa, OK 53 $ 2,500,000 $ 47,169 $ 40,000
Birmingham-Hoover, AL 36 $ 1,644,000 $ 45,666 $ 22,000
Kansas City, MO-KS 26 $ 3,357,000 $ 129,115 $ 72,538
Jacksonville, FL 23 $ 1,311,000 $ 57,000 $ 6,000
Topeka, KS 22 $ 2,724,000 $ 123,818 $ 88,000
Fort Smith, AR-OK 18 $ 744,000 $ 41,333 $ 36,055
Baton Rouge, LA 17 $ 642,000 $ 37,764 $ 1,000
Dothan, AL 17 $ 785,000 $ 46,176 $ 28,000
Montgomery, AL 17 $ 750,000 $ 44,117 $ 17,000
Orlando-Kissimmee-Sanford, FL 17 $ 1,078,000 $ 63,411 $ 45,000
Little Rock-North Little Rock-Conway, AR 16 $ 642,000 $ 40,125 $ 27,000
Tampa-St. Petersburg-Clearwater, FL 16 $ 858,000 $ 53,625 $ 42,000
New Orleans-Metairie-Kenner, LA 15 $ 791,000 $ 52,733 $ 11,000
Pine Bluff, AR 14 $ 638,000 $ 45,571 $ 18,000
Gainesville, FL 13 $ 905,000 $ 69,615 $ 16,000
Pensacola-Ferry Pass-Brent, FL 12 $ 642,000 $ 53,500 $ 19,000
Lake Charles, LA 11 $ 492,000 $ 44,727 $ 0
Virginia Beach-Norfolk-Newport News, VA-NC 11 $ 2,221,000 $ 201,909 $ 2,090
Alexandria, LA 10 $ 280,000 $ 28,000 $ 0
Columbia, SC 10 $ 643,000 $ 64,300 $ 19,000
Lakeland-Winter Haven, FL 10 $ 538,000 $ 53,800 $ 18,000
Monroe, LA 10 $ 259,000 $ 25,900 $ 0
Valdosta, GA 9 $ 404,000 $ 44,888 $ 14,000
Atlanta-Sandy Springs-Marietta, GA 8 $ 541,000 $ 67,625 $ 18,000
Florence, SC 8 $ 299,000 $ 37,375 $ 16,000
Houma-Bayou Cane-Thibodaux, LA 8 $ 372,000 $ 46,500 $ 0
Jackson, MS 8 $ 353,000 $ 44,125 $ 22,000
Lafayette, LA 8 $ 307,000 $ 38,375 $ 0
Phoenix-Mesa-Glendale, AZ 8 $ 800,000 $ 100,000 $ 19,000
Shreveport-Bossier City, LA 8 $ 313,000 $ 39,125 $ 0
Washington-Arlington-Alexandria, DC-VA-MD-WV 8 $ 1,859,000 $ 232,375 $ 0
Beaumont-Port Arthur, TX 7 $ 377,000 $ 53,857 $ 49,000
Charleston-North Charleston-Summerville, SC 7 $ 371,000 $ 53,000 $ 4,000
Dallas-Plano-Irving, TX 7 $ 643,000 $ 91,857 $ 28,000
Detroit-Livonia-Dearborn, MI 7 $ 662,000 $ 94,571 $ 31,000
Gulfport-Biloxi, MS 7 $ 311,000 $ 44,428 $ 4,000
Houston-Sugar Land-Baytown, TX 7 $ 370,000 $ 52,857 $ 60,000
Mobile, AL 7 $ 297,000 $ 42,428 $ 13,000
San Antonio-New Braunfels, TX 7 $ 303,000 $ 43,285 $ 23,000
Tuscaloosa, AL 7 $ 523,000 $ 74,714 $ 7,000
Greenville-Mauldin-Easley, SC 6 $ 239,000 $ 39,833 $ 32,000
Knoxville, TN 6 $ 281,000 $ 46,833 $ 38,000
Pascagoula, MS 6 $ 331,000 $ 55,166 $ 7,000
Sacramento--Arden-Arcade--Roseville, CA 6 $ 360,000 $ 60,000 $ 0
Wilmington, NC 6 $ 347,000 $ 57,833 $ 0
Austin-Round Rock-San Marcos, TX 5 $ 265,000 $ 53,000 $ 31,000
Chicago-Joliet-Naperville, IL 5 $ 3,358,000 $ 671,600 $ 19,000
Fayetteville-Springdale-Rogers, AR-MO 5 $ 280,000 $ 56,000 $ 15,000
Florence-Muscle Shoals, AL 5 $ 230,000 $ 46,000 $ 31,000
Louisville-Jefferson County, KY-IN 5 $ 166,000 $ 33,200 $ 0
Naples-Marco Island, FL 5 $ 434,000 $ 86,800 $ 48,000
Nashville-Davidson--Murfreesboro--Franklin, TN 5 $ 266,000 $ 53,200 $ 17,000
Omaha-Council Bluffs, NE-IA 5 $ 600,000 $ 120,000 $ 0
Panama City-Lynn Haven-Panama City Beach, FL 5 $ 241,000 $ 48,200 $ 30,000
Tallahassee, FL 5 $ 270,000 $ 54,000 $ 0
Anderson, SC 4 $ 148,000 $ 37,000 $ 6,000
Bakersfield-Delano, CA 4 $ 254,000 $ 63,500 $ 0
Charleston, WV 4 $ 147,000 $ 36,750 $ 0
Charlotte-Gastonia-Rock Hill, NC-SC 4 $ 401,000 $ 100,250 $ 13,000
Corpus Christi, TX 4 $ 216,000 $ 54,000 $ 76,000
Deltona-Daytona Beach-Ormond Beach, FL 4 $ 109,000 $ 27,250 $ 71,000
Farmington, NM 4 $ 158,000 $ 39,500 $ 13,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 4 $ 394,000 $ 98,500 $ 46,000
Grand Junction, CO 4 $ 230,000 $ 57,500 $ 56,000
Johnson City, TN 4 $ 125,000 $ 31,250 $ 0
Lawton, OK 4 $ 264,000 $ 66,000 $ 50,000
Longview, TX 4 $ 160,000 $ 40,000 $ 33,000
Los Angeles-Long Beach-Glendale, CA 4 $ 289,000 $ 72,250 $ 0
McAllen-Edinburg-Mission, TX 4 $ 109,000 $ 27,250 $ 42,000
Midland, TX 4 $ 176,000 $ 44,000 $ 59,000
Port St. Lucie, FL 4 $ 199,000 $ 49,750 $ 86,000
Richmond, VA 4 $ 683,000 $ 170,750 $ 0
Albuquerque, NM 3 $ 182,000 $ 60,666 $ 0
Altoona, PA 3 $ 121,000 $ 40,333 $ 0
Anniston-Oxford, AL 3 $ 210,000 $ 70,000 $ 10,000
Augusta-Richmond County, GA-SC 3 $ 158,000 $ 52,666 $ 46,666
Cape Coral-Fort Myers, FL 3 $ 85,000 $ 28,333 $ 81,000
Columbus, GA-AL 3 $ 175,000 $ 58,333 $ 38,333
El Paso, TX 3 $ 148,000 $ 49,333 $ 34,000
Flint, MI 3 $ 93,000 $ 31,000 $ 0
Fort Collins-Loveland, CO 3 $ 77,000 $ 25,666 $ 30,000
Huntington-Ashland, WV-KY-OH 3 $ 155,000 $ 51,666 $ 0
Jonesboro, AR 3 $ 137,000 $ 45,666 $ 12,000
Las Vegas-Paradise, NV 3 $ 159,000 $ 53,000 $ 0
Memphis, TN-MS-AR 3 $ 221,000 $ 73,666 $ 0
Miami-Miami Beach-Kendall, FL 3 $ 138,000 $ 46,000 $ 31,000
Ocala, FL 3 $ 193,000 $ 64,333 $ 22,000
Odessa, TX 3 $ 138,000 $ 46,000 $ 52,000
Palm Bay-Melbourne-Titusville, FL 3 $ 123,000 $ 41,000 $ 100,000
Portland-Vancouver-Hillsboro, OR-WA 3 $ 94,000 $ 31,333 $ 9,333
Provo-Orem, UT 3 $ 371,000 $ 123,666 $ 60,000
Riverside-San Bernardino-Ontario, CA 3 $ 216,000 $ 72,000 $ 0
Rockford, IL 3 $ 409,000 $ 136,333 $ 0
San Jose-Sunnyvale-Santa Clara, CA 3 $ 212,000 $ 70,666 $ 0
Spartanburg, SC 3 $ 151,000 $ 50,333 $ 34,000
Sumter, SC 3 $ 194,000 $ 64,666 $ 28,000
Asheville, NC 2 $ 109,000 $ 54,500 $ 37,000
Baltimore-Towson, MD 2 $ 734,000 $ 367,000 $ 0
Crestview-Fort Walton Beach-Destin, FL 2 $ 147,000 $ 73,500 $ 89,000
Dalton, GA 2 $ 106,000 $ 53,000 $ 38,000
Denver-Aurora-Broomfield, CO 2 $ 57,000 $ 28,500 $ 0
Des Moines-West Des Moines, IA 2 $ 140,000 $ 70,000 $ 0
Elizabethtown, KY 2 $ 56,000 $ 28,000 $ 0
Gary, IN 2 $ 205,000 $ 102,500 $ 42,000
Greenville, NC 2 $ 47,000 $ 23,500 $ 11,000
Hot Springs, AR 2 $ 23,000 $ 11,500 $ 0
Jacksonville, NC 2 $ 82,000 $ 41,000 $ 0
Lake Havasu City-Kingman, AZ 2 $ 69,000 $ 34,500 $ 0
Muskegon-Norton Shores, MI 2 $ 51,000 $ 25,500 $ 0
Myrtle Beach-North Myrtle Beach-Conway, SC 2 $ 62,000 $ 31,000 $ 25,000
Newark-Union, NJ-PA 2 $ 453,000 $ 226,500 $ 0
Ogden-Clearfield, UT 2 $ 200,000 $ 100,000 $ 51,000
Owensboro, KY 2 $ 160,000 $ 80,000 $ 0
Philadelphia, PA 2 $ 311,000 $ 155,500 $ 0
Saginaw-Saginaw Township North, MI 2 $ 150,000 $ 75,000 $ 25,000
Savannah, GA 2 $ 145,000 $ 72,500 $ 48,000
St. Louis, MO-IL 2 $ 83,000 $ 41,500 $ 0
Texarkana, Tx-Texarkana, AR 2 $ 143,000 $ 71,500 $ 80,000
Tyler, TX 2 $ 107,000 $ 53,500 $ 41,000
Akron, OH 1 $ 84,000 $ 84,000 $ 0
Albany, GA 1 $ 85,000 $ 85,000 $ 0
Allentown-Bethlehem-Easton, PA-NJ 1 $ 366,000 $ 366,000 $ 0
Amarillo, TX 1 $ 20,000 $ 20,000 $ 19,000
Auburn-Opelika, AL 1 $ 17,000 $ 17,000 $ 69,000
Bethesda-Rockville-Frederick, MD 1 $ 78,000 $ 78,000 $ 0
Boston-Quincy, MA 1 $ 70,000 $ 70,000 $ 18,000
Boulder, CO 1 $ 66,000 $ 66,000 $ 0
Brunswick, GA 1 $ 75,000 $ 75,000 $ 0
Canton-Massillon, OH 1 $ 121,000 $ 121,000 $ 0
Cape Girardeau-Jackson, MO-IL 1 $ 24,000 $ 24,000 $ 0
Clarksville, TN-KY 1 $ 27,000 $ 27,000 $ 18,000
Cleveland, TN 1 $ 66,000 $ 66,000 $ 68,000
Cleveland-Elyria-Mentor, OH 1 $ 123,000 $ 123,000 $ 214,000
Colorado Springs, CO 1 $ 15,000 $ 15,000 $ 0
Columbus, OH 1 $ 181,000 $ 181,000 $ 0
Decatur, AL 1 $ 129,000 $ 129,000 $ 213,000
El Centro, CA 1 $ 43,000 $ 43,000 $ 0
Eugene-Springfield, OR 1 $ 227,000 $ 227,000 $ 0
Fayetteville, NC 1 $ 23,000 $ 23,000 $ 0
Flagstaff, AZ 1 $ 25,000 $ 25,000 $ 0
Fond Du Lac, WI 1 $ 33,000 $ 33,000 $ 0
Gadsden, AL 1 $ 63,000 $ 63,000 $ 0
Goldsboro, NC 1 $ 16,000 $ 16,000 $ 22,000
Greeley, CO 1 $ 15,000 $ 15,000 $ 31,000
Greensboro-High Point, NC 1 $ 54,000 $ 54,000 $ 43,000
Harrisburg-Carlisle, PA 1 $ 58,000 $ 58,000 $ 0
Hattiesburg, MS 1 $ 24,000 $ 24,000 $ 0
Hinesville-Fort Stewart, GA 1 $ 33,000 $ 33,000 $ 0
Indianapolis-Carmel, IN 1 $ 27,000 $ 27,000 $ 0
Jackson, TN 1 $ 34,000 $ 34,000 $ 0
Killeen-Temple-Fort Hood, TX 1 $ 68,000 $ 68,000 $ 92,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 39,000 $ 39,000 $ 0
Lubbock, TX 1 $ 28,000 $ 28,000 $ 19,000
Lynchburg, VA 1 $ 47,000 $ 47,000 $ 0
Medford, OR 1 $ 50,000 $ 50,000 $ 0
Monroe, MI 1 $ 11,000 $ 11,000 $ 0
New Haven-Milford, CT 1 $ 84,000 $ 84,000 $ 268,000
New York-White Plains-Wayne, NY-NJ 1 $ 206,000 $ 206,000 $ 61,000
North Port-Bradenton-Sarasota, FL 1 $ 72,000 $ 72,000 $ 42,000
Oxnard-Thousand Oaks-Ventura, CA 1 $ 138,000 $ 138,000 $ 0
Parkersburg-Marietta-Vienna, WV-OH 1 $ 17,000 $ 17,000 $ 0
Pittsburgh, PA 1 $ 39,000 $ 39,000 $ 0
Raleigh-Cary, NC 1 $ 74,000 $ 74,000 $ 0
Reading, PA 1 $ 28,000 $ 28,000 $ 0
Rome, GA 1 $ 30,000 $ 30,000 $ 0
Salt Lake City, UT 1 $ 100,000 $ 100,000 $ 0
Santa Ana-Anaheim-Irvine, CA 1 $ 60,000 $ 60,000 $ 0
Santa Fe, NM 1 $ 28,000 $ 28,000 $ 0
Scranton--Wilkes-Barre, PA 1 $ 25,000 $ 25,000 $ 0
Seattle-Bellevue-Everett, WA 1 $ 41,000 $ 41,000 $ 0
Sioux Falls, SD 1 $ 35,000 $ 35,000 $ 0
Springfield, IL 1 $ 17,000 $ 17,000 $ 0
Springfield, MO 1 $ 44,000 $ 44,000 $ 0
Springfield, OH 1 $ 47,000 $ 47,000 $ 0
Utica-Rome, NY 1 $ 82,000 $ 82,000 $ 0
Warner Robins, GA 1 $ 19,000 $ 19,000 $ 0
West Palm Beach-Boca Raton-Boynton Beach, FL 1 $ 261,000 $ 261,000 $ 0
Wichita Falls, TX 1 $ 30,000 $ 30,000 $ 0
Winchester, VA-WV 1 $ 9,000 $ 9,000 $ 35,000
York-Hanover, PA 1 $ 53,000 $ 53,000 $ 0
Youngstown-Warren-Boardman, OH-PA 1 $ 36,000 $ 36,000 $ 0

Mortgage Loan Application Detail Totals for Fidelity Bank in 2011

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 2,700 $237,277,000 $87,000 $12,581,000 $42,000 $1,156,000
Refinancing 552 $70,712,000 $128,000 $1,100,000 $71,000 $590,000
Home Improvement 105 $3,521,000 $33,000 $236,000 $73,000 $230,000

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 2,096 $212,264,000 $101,000 $492,000 $68,000 $1,156,000
Not applicable 926 $72,361,000 $78,000 $12,581,000 $0 $0
Hispanic 153 $10,420,000 $68,000 $205,000 $44,000 $198,000
Black or African American 85 $6,720,000 $79,000 $258,000 $47,000 $161,000
Asian 55 $7,478,000 $135,000 $700,000 $70,000 $225,000
Not Provided 27 $1,161,000 $43,000 $210,000 $85,000 $178,000
American Indian or Alaskan Native 10 $615,000 $61,000 $149,000 $57,000 $204,000
Native Hawaiian or Other Pacific Islander 5 $491,000 $98,000 $182,000 $40,000 $61,000

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) 2,344 $189,548,000 $80,000 $12,581,000 $46,000 $1,156,000
FHA-insured (Federal Housing Administration) 801 $89,986,000 $112,000 $556,000 $51,000 $330,000
VA-guaranteed (Veterans Administration) 151 $24,880,000 $164,000 $408,000 $59,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 61 $7,096,000 $116,000 $258,000 $47,000 $100,000

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 1,631 $207,907,000 $127,000 $12,581,000 $70,000 $1,156,000
Loan Purchased By The Institution 900 $50,917,000 $56,000 $556,000 $0 $0
Application Denied By Financial Institution 414 $23,584,000 $56,000 $276,000 $51,000 $408,000
Application Approved But Not Accepted 270 $12,718,000 $47,000 $163,000 $54,000 $240,000
Application Withdrawn By Applicant 125 $14,368,000 $114,000 $473,000 $71,000 $325,000
File Closed For Incompleteness 17 $2,016,000 $118,000 $410,000 $86,000 $268,000
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 212 $10,505,000 $49,000 $149,000 $49,000 $408,000
Insufficient Cash (Downpayment, Closing Cost) 63 $3,729,000 $59,000 $118,000 $53,000 $400,000
Debt-To-Income Ratio 52 $3,466,000 $66,000 $223,000 $51,000 $206,000
Other 33 $2,415,000 $73,000 $206,000 $51,000 $135,000
Collateral 24 $1,375,000 $57,000 $138,000 $55,000 $180,000
Employment History 23 $1,461,000 $63,000 $276,000 $53,000 $240,000
Unverifiable Information 6 $504,000 $84,000 $194,000 $61,000 $170,000
Mortgage Insurance Denied 1 $129,000 $129,000 $129,000 $47,000 $47,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2011 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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