Fidelity Bank Mortgage Lending & HMDA Data, 2015
In 2015, Fidelity Bank of Wichita, KS reported 2,727 mortgage applications totaling $417.5 million, up 27% from 2014. The average application was for $153,100, and applicants reported an average income of $74,748. 66% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Wichita, KS (1,425), Oklahoma City, OK (165) and Kansas City, MO-KS (127) (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 | 2,727 |
| Total Mortgage Loan Application Amount | $417,504,000 |
| Average Mortgage Loan Application Amount | $153,100 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $74,748 |
| Highest Applicant Income | $959,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,425 | $ 207,084,000 | $ 145,322 | $ 79,000 |
| Oklahoma City, OK | 165 | $ 49,870,000 | $ 302,242 | $ 87,000 |
| Kansas City, MO-KS | 127 | $ 27,096,000 | $ 213,354 | $ 114,716 |
| Lawrence, KS | 25 | $ 3,903,000 | $ 156,120 | $ 65,000 |
| Tulsa, OK | 19 | $ 2,255,000 | $ 118,684 | $ 99,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 766,000 | $ 47,875 | $ 24,375 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 672,000 | $ 42,000 | $ 57,000 |
| Detroit-Dearborn-Livonia, MI | 12 | $ 395,000 | $ 32,916 | $ 76,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 4,284,000 | $ 357,000 | $ 68,000 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 2,083,000 | $ 189,363 | $ 8,000 |
| Monroe, LA | 11 | $ 1,026,000 | $ 93,272 | $ 89,000 |
| Shreveport-Bossier City, LA | 11 | $ 982,000 | $ 89,272 | $ 67,000 |
| Topeka, KS | 11 | $ 1,555,000 | $ 141,363 | $ 55,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 844,000 | $ 84,400 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 863,000 | $ 86,300 | $ 74,000 |
| Flint, MI | 8 | $ 225,000 | $ 28,125 | $ 67,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 787,000 | $ 98,375 | $ 0 |
| San Antonio-New Braunfels, TX | 8 | $ 670,000 | $ 83,750 | $ 57,000 |
| Alexandria, LA | 7 | $ 695,000 | $ 99,285 | $ 93,000 |
| Baton Rouge, LA | 7 | $ 598,000 | $ 85,428 | $ 63,000 |
| Birmingham-Hoover, AL | 7 | $ 652,000 | $ 93,142 | $ 86,000 |
| Cleveland-Elyria, OH | 7 | $ 169,000 | $ 24,142 | $ 25,000 |
| Lafayette, LA | 7 | $ 587,000 | $ 83,857 | $ 69,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,302,000 | $ 186,000 | $ 4,428 |
| Columbus, OH | 6 | $ 151,000 | $ 25,166 | $ 0 |
| Jackson, MI | 6 | $ 148,000 | $ 24,666 | $ 89,000 |
| Tuscaloosa, AL | 6 | $ 536,000 | $ 89,333 | $ 51,000 |
| Dallas-Plano-Irving, TX | 5 | $ 438,000 | $ 87,600 | $ 75,000 |
| Fort Smith, AR-OK | 5 | $ 829,000 | $ 165,800 | $ 137,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 193,000 | $ 38,600 | $ 111,000 |
| Houma-Thibodaux, LA | 5 | $ 384,000 | $ 76,800 | $ 101,000 |
| Jackson, MS | 5 | $ 307,000 | $ 61,400 | $ 55,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 31,465,000 | $ 6,293,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 566,000 | $ 113,200 | $ 0 |
| Austin-Round Rock, TX | 4 | $ 287,000 | $ 71,750 | $ 31,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 269,000 | $ 67,250 | $ 62,000 |
| Des Moines-West Des Moines, IA | 4 | $ 186,000 | $ 46,500 | $ 0 |
| Fayetteville, NC | 4 | $ 207,000 | $ 51,750 | $ 51,000 |
| Fort Worth-Arlington, TX | 4 | $ 112,000 | $ 28,000 | $ 95,000 |
| Montgomery, AL | 4 | $ 293,000 | $ 73,250 | $ 43,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 101,000 | $ 25,250 | $ 0 |
| Augusta-Richmond County, GA-SC | 3 | $ 261,000 | $ 87,000 | $ 61,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Chattanooga, TN-GA | 3 | $ 178,000 | $ 59,333 | $ 50,000 |
| Cincinnati, OH-KY-IN | 3 | $ 2,284,000 | $ 761,333 | $ 0 |
| Dayton, OH | 3 | $ 92,000 | $ 30,666 | $ 36,000 |
| Dothan, AL | 3 | $ 323,000 | $ 107,666 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 116,000 | $ 38,666 | $ 36,000 |
| Gainesville, FL | 3 | $ 248,000 | $ 82,666 | $ 57,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 165,000 | $ 55,000 | $ 33,000 |
| Knoxville, TN | 3 | $ 157,000 | $ 52,333 | $ 58,000 |
| Lakeland-Winter Haven, FL | 3 | $ 138,000 | $ 46,000 | $ 40,000 |
| Muskegon, MI | 3 | $ 83,000 | $ 27,666 | $ 102,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 128,000 | $ 42,666 | $ 63,333 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 365,000 | $ 121,666 | $ 72,000 |
| Pittsburgh, PA | 3 | $ 56,000 | $ 18,666 | $ 0 |
| St. Louis, MO-IL | 3 | $ 921,000 | $ 307,000 | $ 0 |
| Akron, OH | 2 | $ 30,000 | $ 15,000 | $ 0 |
| Albuquerque, NM | 2 | $ 129,000 | $ 64,500 | $ 90,000 |
| Ann Arbor, MI | 2 | $ 36,000 | $ 18,000 | $ 78,000 |
| Beaumont-Port Arthur, TX | 2 | $ 153,000 | $ 76,500 | $ 100,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 285,000 | $ 142,500 | $ 30,000 |
| Clarksville, TN-KY | 2 | $ 2,810,000 | $ 1,405,000 | $ 0 |
| College Station-Bryan, TX | 2 | $ 142,000 | $ 71,000 | $ 68,000 |
| Corpus Christi, TX | 2 | $ 199,000 | $ 99,500 | $ 88,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 117,000 | $ 58,500 | $ 117,000 |
| Decatur, AL | 2 | $ 123,000 | $ 61,500 | $ 92,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 473,000 | $ 236,500 | $ 92,000 |
| El Paso, TX | 2 | $ 142,000 | $ 71,000 | $ 12,000 |
| Flagstaff, AZ | 2 | $ 68,000 | $ 34,000 | $ 72,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 221,000 | $ 110,500 | $ 52,000 |
| Homosassa Springs, FL | 2 | $ 99,000 | $ 49,500 | $ 42,000 |
| Hot Springs, AR | 2 | $ 153,000 | $ 76,500 | $ 51,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 27,000 | $ 13,500 | $ 0 |
| Jacksonville, FL | 2 | $ 309,000 | $ 154,500 | $ 71,000 |
| Lake Charles, LA | 2 | $ 130,000 | $ 65,000 | $ 58,000 |
| Las Cruces, NM | 2 | $ 280,000 | $ 140,000 | $ 41,000 |
| Lawton, OK | 2 | $ 95,000 | $ 47,500 | $ 51,000 |
| Longview, TX | 2 | $ 234,000 | $ 117,000 | $ 93,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 40,000 | $ 20,000 | $ 0 |
| Lubbock, TX | 2 | $ 155,000 | $ 77,500 | $ 177,000 |
| Macon, GA | 2 | $ 126,000 | $ 63,000 | $ 38,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 136,000 | $ 68,000 | $ 76,000 |
| Memphis, TN-MS-AR | 2 | $ 150,000 | $ 75,000 | $ 27,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 113,000 | $ 56,500 | $ 15,000 |
| Ocala, FL | 2 | $ 188,000 | $ 94,000 | $ 52,000 |
| Ogden-Clearfield, UT | 2 | $ 75,000 | $ 37,500 | $ 36,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 112,000 | $ 56,000 | $ 83,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 7,423,000 | $ 3,711,500 | $ 64,000 |
| Raleigh, NC | 2 | $ 132,000 | $ 66,000 | $ 20,000 |
| Richmond, VA | 2 | $ 229,000 | $ 114,500 | $ 0 |
| Roanoke, VA | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 192,000 | $ 96,000 | $ 0 |
| Savannah, GA | 2 | $ 187,000 | $ 93,500 | $ 59,000 |
| St. Cloud, MN | 2 | $ 83,000 | $ 41,500 | $ 0 |
| Staunton-Waynesboro, VA | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Texarkana, TX-AR | 2 | $ 220,000 | $ 110,000 | $ 267,000 |
| Tyler, TX | 2 | $ 42,000 | $ 21,000 | $ 112,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 2,250,000 | $ 1,125,000 | $ 0 |
| Abilene, TX | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Albany, GA | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Albany, OR | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Anchorage, AK | 1 | $ 626,000 | $ 626,000 | $ 278,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
| Athens-Clarke County, GA | 1 | $ 54,000 | $ 54,000 | $ 144,000 |
| Bowling Green, KY | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Brunswick, GA | 1 | $ 62,000 | $ 62,000 | $ 24,000 |
| Charleston-North Charleston, SC | 1 | $ 57,000 | $ 57,000 | $ 85,000 |
| Eau Claire, WI | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 66,000 | $ 66,000 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 259,000 | $ 259,000 | $ 58,000 |
| Gadsden, AL | 1 | $ 104,000 | $ 104,000 | $ 135,000 |
| Greensboro-High Point, NC | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 58,000 | $ 58,000 | $ 70,000 |
| Hammond, LA | 1 | $ 91,000 | $ 91,000 | $ 94,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 21,000 | $ 21,000 | $ 44,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 87,000 | $ 87,000 | $ 86,000 |
| Huntsville, AL | 1 | $ 46,000 | $ 46,000 | $ 76,000 |
| Jefferson City, MO | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 17,000 | $ 17,000 | $ 52,000 |
| Kokomo, IN | 1 | $ 14,000 | $ 14,000 | $ 0 |
| La Crosse-Onalaska, WI-MN | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Madison, WI | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Midland, TX | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Mobile, AL | 1 | $ 71,000 | $ 71,000 | $ 52,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 88,000 | $ 88,000 | $ 0 |
| New Bern, NC | 1 | $ 26,000 | $ 26,000 | $ 36,000 |
| New Orleans-Metairie, LA | 1 | $ 40,000 | $ 40,000 | $ 43,000 |
| Newark, NJ-PA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Owensboro, KY | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Philadelphia, PA | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 21,000 | $ 21,000 | $ 44,000 |
| Providence-Warwick, RI-MA | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 1,450,000 | $ 1,450,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Sheboygan, WI | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 61,000 | $ 61,000 | $ 70,000 |
| Springfield, IL | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Springfield, MO | 1 | $ 296,000 | $ 296,000 | $ 325,000 |
| Syracuse, NY | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Tallahassee, FL | 1 | $ 71,000 | $ 71,000 | $ 66,000 |
| Terre Haute, IN | 1 | $ 29,000 | $ 29,000 | $ 0 |
| The Villages, FL | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Toledo, OH | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Tucson, AZ | 1 | $ 417,000 | $ 417,000 | $ 202,000 |
| Utica-Rome, NY | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Valdosta, GA | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Wausau, WI | 1 | $ 20,000 | $ 20,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2015
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 | 2,231 | $323,077,000 | $144,000 | $20,000,000 | $73,000 | $898,000 |
| Refinancing | 420 | $88,454,000 | $210,000 | $15,515,000 | $82,000 | $959,000 |
| Home Improvement | 76 | $5,973,000 | $78,000 | $2,500,000 | $86,000 | $297,000 |
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 | 2,064 | $267,331,000 | $129,000 | $900,000 | $86,000 | $959,000 |
| Not applicable | 303 | $116,888,000 | $385,000 | $20,000,000 | $0 | $0 |
| Hispanic | 112 | $10,625,000 | $94,000 | $417,000 | $56,000 | $197,000 |
| Not Provided | 93 | $4,690,000 | $50,000 | $626,000 | $96,000 | $504,000 |
| Black or African American | 79 | $7,168,000 | $90,000 | $283,000 | $60,000 | $157,000 |
| Asian | 46 | $6,907,000 | $150,000 | $594,000 | $96,000 | $386,000 |
| American Indian or Alaskan Native | 26 | $3,303,000 | $127,000 | $360,000 | $87,000 | $257,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $592,000 | $148,000 | $304,000 | $77,000 | $140,000 |
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) | 1,899 | $309,168,000 | $162,000 | $20,000,000 | $84,000 | $959,000 |
| FHA-insured (Federal Housing Administration) | 600 | $72,674,000 | $121,000 | $283,000 | $52,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 173 | $29,284,000 | $169,000 | $424,000 | $64,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $6,378,000 | $115,000 | $203,000 | $42,000 | $97,000 |
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 | 1,812 | $329,573,000 | $181,000 | $20,000,000 | $86,000 | $959,000 |
| Application Approved But Not Accepted | 339 | $25,717,000 | $75,000 | $616,000 | $72,000 | $457,000 |
| Application Denied By Financial Institution | 236 | $21,790,000 | $92,000 | $3,375,000 | $74,000 | $540,000 |
| Loan Purchased By The Institution | 232 | $15,577,000 | $67,000 | $270,000 | $0 | $0 |
| Application Withdrawn By Applicant | 103 | $24,607,000 | $238,000 | $3,400,000 | $72,000 | $457,000 |
| File Closed For Incompleteness | 5 | $240,000 | $48,000 | $124,000 | $91,000 | $114,000 |
| 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 | 126 | $9,761,000 | $77,000 | $193,000 | $86,000 | $540,000 |
| Debt-To-Income Ratio | 55 | $3,716,000 | $67,000 | $168,000 | $54,000 | $200,000 |
| Other | 26 | $3,221,000 | $123,000 | $1,200,000 | $65,000 | $204,000 |
| Employment History | 15 | $889,000 | $59,000 | $144,000 | $64,000 | $141,000 |
| Collateral | 10 | $3,962,000 | $396,000 | $3,375,000 | $89,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $187,000 | $62,000 | $89,000 | $95,000 | $202,000 |
| Unverifiable Information | 1 | $54,000 | $54,000 | $54,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2015 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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