Fidelity Bank Mortgage Lending & HMDA Data, 2012
In 2012, Fidelity Bank of Wichita, KS reported 2,855 mortgage applications totaling $440.1 million, down 15% from 2011. The average application was for $154,152, and applicants reported an average income of $69,649. 75% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Wichita, KS (1,858), Oklahoma City, OK (283) and Lawrence, KS (108) (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 | 2,855 |
| Total Mortgage Loan Application Amount | $440,105,000 |
| Average Mortgage Loan Application Amount | $154,152 |
| Highest Mortgage Loan Application Amount | $9,525,000 |
| Average Applicant Income | $69,649 |
| Highest Applicant Income | $1,800,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,858 | $ 246,935,000 | $ 132,903 | $ 72,000 |
| Oklahoma City, OK | 283 | $ 39,155,000 | $ 138,356 | $ 84,000 |
| Lawrence, KS | 108 | $ 16,741,000 | $ 155,009 | $ 81,000 |
| Kansas City, MO-KS | 44 | $ 6,785,000 | $ 154,204 | $ 61,204 |
| Topeka, KS | 29 | $ 3,474,000 | $ 119,793 | $ 67,000 |
| Houston-Sugar Land-Baytown, TX | 24 | $ 9,874,000 | $ 411,416 | $ 54,000 |
| Tulsa, OK | 21 | $ 19,883,000 | $ 946,809 | $ 49,000 |
| San Antonio-New Braunfels, TX | 15 | $ 663,000 | $ 44,200 | $ 58,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 2,556,000 | $ 213,000 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 11 | $ 5,932,000 | $ 539,272 | $ 27,000 |
| Dallas-Plano-Irving, TX | 11 | $ 6,459,000 | $ 587,181 | $ 24,000 |
| Beaumont-Port Arthur, TX | 8 | $ 509,000 | $ 63,625 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,992,000 | $ 249,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 581,000 | $ 83,000 | $ 14,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 545,000 | $ 77,857 | $ 25,000 |
| Fort Smith, AR-OK | 6 | $ 480,000 | $ 80,000 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 921,000 | $ 153,500 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 201,000 | $ 40,200 | $ 56,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 137,000 | $ 27,400 | $ 39,000 |
| Baltimore-Towson, MD | 4 | $ 915,000 | $ 228,750 | $ 0 |
| Birmingham-Hoover, AL | 4 | $ 9,295,000 | $ 2,323,750 | $ 22,000 |
| Longview, TX | 4 | $ 352,000 | $ 88,000 | $ 52,000 |
| Victoria, TX | 4 | $ 191,000 | $ 47,750 | $ 96,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 179,000 | $ 59,666 | $ 0 |
| Jackson, MS | 3 | $ 161,000 | $ 53,666 | $ 50,000 |
| Jacksonville, FL | 3 | $ 642,000 | $ 214,000 | $ 18,000 |
| Lynchburg, VA | 3 | $ 550,000 | $ 183,333 | $ 0 |
| Midland, TX | 3 | $ 220,000 | $ 73,333 | $ 68,000 |
| Odessa, TX | 3 | $ 114,000 | $ 38,000 | $ 52,000 |
| Tyler, TX | 3 | $ 304,000 | $ 101,333 | $ 76,000 |
| Amarillo, TX | 2 | $ 51,000 | $ 25,500 | $ 43,000 |
| Baton Rouge, LA | 2 | $ 116,000 | $ 58,000 | $ 76,000 |
| Clarksville, TN-KY | 2 | $ 135,000 | $ 67,500 | $ 20,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 52,000 | $ 26,000 | $ 43,000 |
| Dothan, AL | 2 | $ 107,000 | $ 53,500 | $ 29,000 |
| Flint, MI | 2 | $ 8,519,000 | $ 4,259,500 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 146,000 | $ 73,000 | $ 69,000 |
| Lakeland-Winter Haven, FL | 2 | $ 62,000 | $ 31,000 | $ 79,000 |
| Lawton, OK | 2 | $ 703,000 | $ 351,500 | $ 17,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 123,000 | $ 61,500 | $ 37,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 108,000 | $ 54,000 | $ 36,000 |
| Montgomery, AL | 2 | $ 94,000 | $ 47,000 | $ 40,000 |
| Pine Bluff, AR | 2 | $ 83,000 | $ 41,500 | $ 74,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 412,000 | $ 206,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 211,000 | $ 105,500 | $ 0 |
| Richmond, VA | 2 | $ 283,000 | $ 141,500 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 4,763,000 | $ 2,381,500 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 145,000 | $ 72,500 | $ 76,000 |
| Waco, TX | 2 | $ 71,000 | $ 35,500 | $ 31,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 221,000 | $ 110,500 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Bakersfield-Delano, CA | 1 | $ 8,400,000 | $ 8,400,000 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Brunswick, GA | 1 | $ 31,000 | $ 31,000 | $ 41,000 |
| Camden, NJ | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Charlottesville, VA | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Cleveland, TN | 1 | $ 21,000 | $ 21,000 | $ 22,000 |
| Columbia, SC | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 41,000 | $ 41,000 | $ 60,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Dover, DE | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Florence, SC | 1 | $ 32,000 | $ 32,000 | $ 44,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Gary, IN | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Greeley, CO | 1 | $ 24,000 | $ 24,000 | $ 30,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 79,000 | $ 79,000 | $ 35,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 103,000 | $ 103,000 | $ 88,000 |
| Jacksonville, NC | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Janesville, WI | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Johnson City, TN | 1 | $ 7,500,000 | $ 7,500,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Mobile, AL | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 52,000 | $ 52,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Ocala, FL | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Ocean City, NJ | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 947,000 | $ 947,000 | $ 0 |
| Owensboro, KY | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Pascagoula, MS | 1 | $ 53,000 | $ 53,000 | $ 60,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Salem, OR | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Savannah, GA | 1 | $ 32,000 | $ 32,000 | $ 21,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 51,000 | $ 51,000 | $ 167,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 204,000 | $ 204,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 52,000 | $ 52,000 | $ 36,000 |
| Wilmington, NC | 1 | $ 48,000 | $ 48,000 | $ 48,000 |
| Winston-Salem, NC | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 30,000 | $ 30,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2012
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 | 1,840 | $250,536,000 | $136,000 | $9,000,000 | $64,000 | $1,800,000 |
| Refinancing | 908 | $184,472,000 | $203,000 | $9,525,000 | $82,000 | $912,000 |
| Home Improvement | 107 | $5,097,000 | $47,000 | $1,700,000 | $62,000 | $193,000 |
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 | 2,249 | $279,828,000 | $124,000 | $825,000 | $79,000 | $1,800,000 |
| Not applicable | 269 | $127,914,000 | $475,000 | $9,525,000 | $0 | $0 |
| Hispanic | 133 | $11,141,000 | $83,000 | $356,000 | $50,000 | $241,000 |
| Asian | 83 | $11,304,000 | $136,000 | $506,000 | $70,000 | $365,000 |
| Black or African American | 69 | $7,160,000 | $103,000 | $276,000 | $65,000 | $180,000 |
| Not Provided | 42 | $1,990,000 | $47,000 | $223,000 | $74,000 | $350,000 |
| American Indian or Alaskan Native | 8 | $372,000 | $46,000 | $90,000 | $69,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $396,000 | $198,000 | $270,000 | $64,000 | $64,000 |
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) | 1,712 | $295,042,000 | $172,000 | $9,525,000 | $82,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 849 | $100,414,000 | $118,000 | $411,000 | $49,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 207 | $34,161,000 | $165,000 | $577,000 | $58,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $10,488,000 | $120,000 | $312,000 | $42,000 | $109,000 |
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 | 2,130 | $329,539,000 | $154,000 | $9,525,000 | $76,000 | $1,800,000 |
| Application Denied By Financial Institution | 318 | $29,249,000 | $91,000 | $9,000,000 | $55,000 | $294,000 |
| Loan Purchased By The Institution | 157 | $39,533,000 | $251,000 | $2,740,000 | $0 | $0 |
| Application Withdrawn By Applicant | 156 | $20,702,000 | $132,000 | $769,000 | $79,000 | $414,000 |
| Application Approved But Not Accepted | 91 | $20,514,000 | $225,000 | $8,400,000 | $61,000 | $316,000 |
| File Closed For Incompleteness | 3 | $568,000 | $189,000 | $320,000 | $364,000 | $640,000 |
| 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 | 140 | $7,601,000 | $54,000 | $243,000 | $55,000 | $216,000 |
| Debt-To-Income Ratio | 45 | $3,178,000 | $70,000 | $411,000 | $53,000 | $294,000 |
| Unverifiable Information | 38 | $2,110,000 | $55,000 | $153,000 | $52,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 37 | $2,729,000 | $73,000 | $147,000 | $62,000 | $241,000 |
| Collateral | 28 | $10,448,000 | $373,000 | $9,000,000 | $52,000 | $147,000 |
| Other | 22 | $2,528,000 | $114,000 | $292,000 | $58,000 | $161,000 |
| Employment History | 6 | $485,000 | $80,000 | $120,000 | $45,000 | $75,000 |
| Credit Application Incomplete | 1 | $39,000 | $39,000 | $39,000 | $84,000 | $84,000 |
| Mortgage Insurance Denied | 1 | $131,000 | $131,000 | $131,000 | $39,000 | $39,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2012 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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