Fidelity Bank Mortgage Lending & HMDA Data, 2014
In 2014, Fidelity Bank of Wichita, KS reported 2,154 mortgage applications totaling $363.4 million, down 17% from 2013. The average application was for $168,687, and applicants reported an average income of $71,104. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wichita, KS (1,297), Oklahoma City, OK (148) and Lawrence, KS (50) (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 | 2,154 |
| Total Mortgage Loan Application Amount | $363,353,000 |
| Average Mortgage Loan Application Amount | $168,687 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $71,104 |
| Highest Applicant Income | $3,245,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,297 | $ 167,730,000 | $ 129,321 | $ 75,000 |
| Oklahoma City, OK | 148 | $ 46,528,000 | $ 314,378 | $ 80,000 |
| Lawrence, KS | 50 | $ 7,457,000 | $ 149,140 | $ 73,000 |
| Kansas City, MO-KS | 38 | $ 12,197,000 | $ 320,973 | $ 45,236 |
| Tulsa, OK | 27 | $ 21,132,000 | $ 782,666 | $ 89,000 |
| Topeka, KS | 25 | $ 2,732,000 | $ 109,280 | $ 62,000 |
| Houston-The Woodlands-Sugar Land, TX | 20 | $ 39,904,000 | $ 1,995,200 | $ 49,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 431,000 | $ 33,153 | $ 107,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 853,000 | $ 77,545 | $ 80,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 1,798,000 | $ 179,800 | $ 0 |
| Birmingham-Hoover, AL | 9 | $ 766,000 | $ 85,111 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 1,836,000 | $ 204,000 | $ 4,444 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 848,000 | $ 106,000 | $ 14,000 |
| Shreveport-Bossier City, LA | 8 | $ 716,000 | $ 89,500 | $ 59,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 539,000 | $ 77,000 | $ 58,000 |
| Charlotte-Concord-Gastonia, NC-SC | 7 | $ 656,000 | $ 93,714 | $ 22,428 |
| Des Moines-West Des Moines, IA | 7 | $ 863,000 | $ 123,285 | $ 0 |
| Dallas-Plano-Irving, TX | 6 | $ 6,258,000 | $ 1,043,000 | $ 7,000 |
| Fort Worth-Arlington, TX | 6 | $ 6,506,000 | $ 1,084,333 | $ 64,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 585,000 | $ 117,000 | $ 72,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 655,000 | $ 131,000 | $ 0 |
| San Antonio-New Braunfels, TX | 5 | $ 397,000 | $ 79,400 | $ 65,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 220,000 | $ 44,000 | $ 70,000 |
| Baton Rouge, LA | 4 | $ 229,000 | $ 57,250 | $ 46,000 |
| Beaumont-Port Arthur, TX | 4 | $ 213,000 | $ 53,250 | $ 90,000 |
| Jacksonville, FL | 4 | $ 326,000 | $ 81,500 | $ 85,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,781,000 | $ 445,250 | $ 43,000 |
| Austin-Round Rock, TX | 3 | $ 155,000 | $ 51,666 | $ 68,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 3,057,000 | $ 1,019,000 | $ 12,000 |
| Killeen-Temple, TX | 3 | $ 250,000 | $ 83,333 | $ 44,000 |
| Memphis, TN-MS-AR | 3 | $ 198,000 | $ 66,000 | $ 50,666 |
| Monroe, LA | 3 | $ 270,000 | $ 90,000 | $ 124,000 |
| Norwich-New London, CT | 3 | $ 595,000 | $ 198,333 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 50,000 | $ 16,666 | $ 29,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 188,000 | $ 94,000 | $ 57,000 |
| Camden, NJ | 2 | $ 238,000 | $ 119,000 | $ 0 |
| Columbia, SC | 2 | $ 181,000 | $ 90,500 | $ 117,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 43,000 | $ 21,500 | $ 96,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 120,000 | $ 60,000 | $ 105,000 |
| Homosassa Springs, FL | 2 | $ 215,000 | $ 107,500 | $ 82,000 |
| Houma-Thibodaux, LA | 2 | $ 264,000 | $ 132,000 | $ 107,000 |
| Jackson, MS | 2 | $ 138,000 | $ 69,000 | $ 59,000 |
| Lafayette, LA | 2 | $ 86,000 | $ 43,000 | $ 54,000 |
| Lake Charles, LA | 2 | $ 232,000 | $ 116,000 | $ 93,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 203,000 | $ 101,500 | $ 87,000 |
| Muskegon, MI | 2 | $ 76,000 | $ 38,000 | $ 90,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 127,000 | $ 63,500 | $ 47,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 183,000 | $ 91,500 | $ 40,000 |
| Richmond, VA | 2 | $ 473,000 | $ 236,500 | $ 0 |
| Salt Lake City, UT | 2 | $ 1,731,000 | $ 865,500 | $ 0 |
| Tallahassee, FL | 2 | $ 190,000 | $ 95,000 | $ 29,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,793,000 | $ 896,500 | $ 0 |
| Worcester, MA-CT | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Alexandria, LA | 1 | $ 41,000 | $ 41,000 | $ 18,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Amarillo, TX | 1 | $ 114,000 | $ 114,000 | $ 72,000 |
| Charleston-North Charleston, SC | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Chattanooga, TN-GA | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Cleveland, TN | 1 | $ 32,000 | $ 32,000 | $ 46,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 53,000 | $ 53,000 | $ 0 |
| El Paso, TX | 1 | $ 37,000 | $ 37,000 | $ 60,000 |
| Flagstaff, AZ | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Flint, MI | 1 | $ 7,000 | $ 7,000 | $ 65,000 |
| Florence-Muscle Shoals, AL | 1 | $ 79,000 | $ 79,000 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 33,000 | $ 33,000 | $ 21,000 |
| Gadsden, AL | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Greeley, CO | 1 | $ 35,000 | $ 35,000 | $ 180,000 |
| Greensboro-High Point, NC | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 46,000 | $ 46,000 | $ 58,000 |
| Hammond, LA | 1 | $ 27,000 | $ 27,000 | $ 20,000 |
| Harrisburg-Carlisle, PA | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Knoxville, TN | 1 | $ 96,000 | $ 96,000 | $ 75,000 |
| Lansing-East Lansing, MI | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
| Lawton, OK | 1 | $ 37,000 | $ 37,000 | $ 35,000 |
| Longview, TX | 1 | $ 87,000 | $ 87,000 | $ 94,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 43,000 | $ 43,000 | $ 40,000 |
| Midland, TX | 1 | $ 83,000 | $ 83,000 | $ 48,000 |
| Mobile, AL | 1 | $ 26,000 | $ 26,000 | $ 56,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Odessa, TX | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Ogden-Clearfield, UT | 1 | $ 99,000 | $ 99,000 | $ 41,000 |
| Panama City, FL | 1 | $ 52,000 | $ 52,000 | $ 83,000 |
| Pittsburgh, PA | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Rockford, IL | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 167,000 | $ 167,000 | $ 0 |
| San Angelo, TX | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Savannah, GA | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Spartanburg, SC | 1 | $ 33,000 | $ 33,000 | $ 95,000 |
| St. Louis, MO-IL | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Staunton-Waynesboro, VA | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Tyler, TX | 1 | $ 41,000 | $ 41,000 | $ 39,000 |
| Valdosta, GA | 1 | $ 76,000 | $ 76,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2014
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 | 1,777 | $288,148,000 | $162,000 | $13,000,000 | $72,000 | $3,245,000 |
| Refinancing | 306 | $71,913,000 | $235,000 | $12,100,000 | $65,000 | $987,000 |
| Home Improvement | 71 | $3,292,000 | $46,000 | $1,600,000 | $75,000 | $238,000 |
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 | 1,624 | $198,438,000 | $122,000 | $956,000 | $82,000 | $3,245,000 |
| Not applicable | 224 | $138,039,000 | $616,000 | $13,000,000 | $0 | $0 |
| Hispanic | 108 | $9,859,000 | $91,000 | $327,000 | $58,000 | $243,000 |
| Black or African American | 69 | $6,009,000 | $87,000 | $223,000 | $51,000 | $163,000 |
| Not Provided | 63 | $2,625,000 | $41,000 | $900,000 | $90,000 | $395,000 |
| Asian | 42 | $6,344,000 | $151,000 | $417,000 | $77,000 | $267,000 |
| American Indian or Alaskan Native | 21 | $1,735,000 | $82,000 | $161,000 | $70,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $304,000 | $101,000 | $143,000 | $74,000 | $113,000 |
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) | 1,368 | $267,701,000 | $195,000 | $13,000,000 | $84,000 | $3,245,000 |
| FHA-insured (Federal Housing Administration) | 565 | $63,666,000 | $112,000 | $413,000 | $46,000 | $401,000 |
| VA-guaranteed (Veterans Administration) | 133 | $21,060,000 | $158,000 | $417,000 | $60,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 88 | $10,926,000 | $124,000 | $269,000 | $40,000 | $96,000 |
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 | 1,467 | $250,180,000 | $170,000 | $12,100,000 | $78,000 | $3,245,000 |
| Application Approved But Not Accepted | 208 | $13,913,000 | $66,000 | $385,000 | $72,000 | $377,000 |
| Application Denied By Financial Institution | 205 | $31,198,000 | $152,000 | $4,000,000 | $70,000 | $295,000 |
| Loan Purchased By The Institution | 136 | $20,866,000 | $153,000 | $2,895,000 | $0 | $0 |
| Application Withdrawn By Applicant | 128 | $46,147,000 | $360,000 | $13,000,000 | $66,000 | $234,000 |
| File Closed For Incompleteness | 9 | $921,000 | $102,000 | $208,000 | $60,000 | $242,000 |
| Preapproval Denied by Financial Institution | 1 | $128,000 | $128,000 | $128,000 | $36,000 | $36,000 |
| Preapproval Approved but not Accepted | 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 | 100 | $7,660,000 | $76,000 | $184,000 | $79,000 | $295,000 |
| Debt-To-Income Ratio | 63 | $4,859,000 | $77,000 | $213,000 | $56,000 | $167,000 |
| Other | 17 | $16,403,000 | $964,000 | $4,000,000 | $54,000 | $242,000 |
| Employment History | 14 | $1,443,000 | $103,000 | $177,000 | $69,000 | $243,000 |
| Collateral | 8 | $645,000 | $80,000 | $161,000 | $96,000 | $240,000 |
| Mortgage Insurance Denied | 2 | $128,000 | $64,000 | $108,000 | $120,000 | $163,000 |
| Unverifiable Information | 1 | $138,000 | $138,000 | $138,000 | $59,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2014 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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