Fidelity Bank Mortgage Lending & HMDA Data, 2016
In 2016, Fidelity Bank of Wichita, KS reported 2,828 mortgage applications totaling $496.8 million, up 4% from 2015. The average application was for $175,688, and applicants reported an average income of $76,840. 67% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita, KS (1,370), Kansas City, MO-KS (438) and Oklahoma City, OK (163) (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 | 2,828 |
| Total Mortgage Loan Application Amount | $496,846,000 |
| Average Mortgage Loan Application Amount | $175,688 |
| Highest Mortgage Loan Application Amount | $13,750,000 |
| Average Applicant Income | $76,840 |
| Highest Applicant Income | $1,744,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,370 | $ 207,663,000 | $ 151,578 | $ 82,000 |
| Kansas City, MO-KS | 438 | $ 98,137,000 | $ 224,057 | $ 105,242 |
| Oklahoma City, OK | 163 | $ 51,111,000 | $ 313,564 | $ 98,000 |
| Atlanta-Sandy Springs-Roswell, GA | 124 | $ 9,133,000 | $ 73,653 | $ 3,000 |
| Chicago-Naperville-Arlington Heights, IL | 49 | $ 4,368,000 | $ 89,142 | $ 6,000 |
| Charlotte-Concord-Gastonia, NC-SC | 20 | $ 2,496,000 | $ 124,800 | $ 30,800 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 17 | $ 2,436,000 | $ 143,294 | $ 8,823 |
| Baton Rouge, LA | 16 | $ 710,000 | $ 44,375 | $ 50,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 4,455,000 | $ 318,214 | $ 103,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 7,751,000 | $ 553,642 | $ 69,000 |
| Lawrence, KS | 13 | $ 2,337,000 | $ 179,769 | $ 73,000 |
| Topeka, KS | 12 | $ 1,765,000 | $ 147,083 | $ 73,000 |
| Cambridge-Newton-Framingham, MA | 10 | $ 928,000 | $ 92,800 | $ 6,000 |
| Tulsa, OK | 10 | $ 1,874,000 | $ 187,400 | $ 122,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 1,211,000 | $ 121,100 | $ 10,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 1,522,000 | $ 152,200 | $ 38,000 |
| Austin-Round Rock, TX | 9 | $ 775,000 | $ 86,111 | $ 84,000 |
| Baltimore-Columbia-Towson, MD | 9 | $ 570,000 | $ 63,333 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 671,000 | $ 74,555 | $ 11,000 |
| Raleigh, NC | 9 | $ 447,000 | $ 49,666 | $ 0 |
| San Antonio-New Braunfels, TX | 9 | $ 693,000 | $ 77,000 | $ 57,000 |
| Memphis, TN-MS-AR | 8 | $ 1,433,000 | $ 179,125 | $ 84,125 |
| Richmond, VA | 8 | $ 794,000 | $ 99,250 | $ 0 |
| St. Louis, MO-IL | 8 | $ 2,580,000 | $ 322,500 | $ 50,000 |
| Worcester, MA-CT | 8 | $ 843,000 | $ 105,375 | $ 6,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 24,314,000 | $ 3,473,428 | $ 18,285 |
| Gainesville, GA | 6 | $ 331,000 | $ 55,166 | $ 8,000 |
| Asheville, NC | 5 | $ 766,000 | $ 153,200 | $ 8,000 |
| Columbia, SC | 5 | $ 454,000 | $ 90,800 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 610,000 | $ 122,000 | $ 10,000 |
| Jacksonville, FL | 5 | $ 239,000 | $ 47,800 | $ 42,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 510,000 | $ 102,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 593,000 | $ 118,600 | $ 18,000 |
| Dallas-Plano-Irving, TX | 4 | $ 14,596,000 | $ 3,649,000 | $ 56,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 521,000 | $ 130,250 | $ 35,000 |
| Fort Smith, AR-OK | 4 | $ 240,000 | $ 60,000 | $ 41,000 |
| Lafayette, LA | 4 | $ 251,000 | $ 62,750 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 253,000 | $ 63,250 | $ 21,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 340,000 | $ 85,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 4 | $ 261,000 | $ 65,250 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 326,000 | $ 108,666 | $ 0 |
| Brownsville-Harlingen, TX | 3 | $ 126,000 | $ 42,000 | $ 34,000 |
| College Station-Bryan, TX | 3 | $ 119,000 | $ 39,666 | $ 49,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 212,000 | $ 70,666 | $ 59,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,126,000 | $ 375,333 | $ 141,000 |
| Fort Worth-Arlington, TX | 3 | $ 125,000 | $ 41,666 | $ 130,000 |
| Lubbock, TX | 3 | $ 195,000 | $ 65,000 | $ 99,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 133,000 | $ 44,333 | $ 69,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 230,000 | $ 76,666 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 190,000 | $ 63,333 | $ 13,333 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 106,000 | $ 35,333 | $ 15,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 162,000 | $ 54,000 | $ 33,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 317,000 | $ 105,666 | $ 624,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 916,000 | $ 305,333 | $ 136,000 |
| Roanoke, VA | 3 | $ 503,000 | $ 167,666 | $ 20,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,094,000 | $ 364,666 | $ 58,000 |
| Savannah, GA | 3 | $ 105,000 | $ 35,000 | $ 0 |
| Shreveport-Bossier City, LA | 3 | $ 164,000 | $ 54,666 | $ 55,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 213,000 | $ 106,500 | $ 72,000 |
| Beaumont-Port Arthur, TX | 2 | $ 124,000 | $ 62,000 | $ 86,000 |
| Birmingham-Hoover, AL | 2 | $ 198,000 | $ 99,000 | $ 25,000 |
| Boston, MA | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 129,000 | $ 64,500 | $ 73,000 |
| Cleveland-Elyria, OH | 2 | $ 366,000 | $ 183,000 | $ 179,000 |
| Columbus, OH | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Dayton, OH | 2 | $ 177,000 | $ 88,500 | $ 37,000 |
| Fargo, ND-MN | 2 | $ 267,000 | $ 133,500 | $ 192,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 436,000 | $ 218,000 | $ 60,000 |
| Hattiesburg, MS | 2 | $ 187,000 | $ 93,500 | $ 75,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Iowa City, IA | 2 | $ 153,000 | $ 76,500 | $ 32,000 |
| Lake Charles, LA | 2 | $ 165,000 | $ 82,500 | $ 46,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 85,000 | $ 42,500 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 57,000 | $ 28,500 | $ 46,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 175,000 | $ 87,500 | $ 159,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 450,000 | $ 225,000 | $ 108,000 |
| Macon, GA | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Madison, WI | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Manhattan, KS | 2 | $ 304,000 | $ 152,000 | $ 65,000 |
| Monroe, LA | 2 | $ 285,000 | $ 142,500 | $ 145,000 |
| Newark, NJ-PA | 2 | $ 289,000 | $ 144,500 | $ 34,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 640,000 | $ 320,000 | $ 281,000 |
| Pittsburgh, PA | 2 | $ 81,000 | $ 40,500 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 241,000 | $ 120,500 | $ 31,500 |
| Springfield, MO | 2 | $ 147,000 | $ 73,500 | $ 44,000 |
| Victoria, TX | 2 | $ 114,000 | $ 57,000 | $ 113,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 7,450,000 | $ 3,725,000 | $ 0 |
| Alexandria, LA | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| Amarillo, TX | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
| Ann Arbor, MI | 1 | $ 22,000 | $ 22,000 | $ 104,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Barnstable Town, MA | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Brunswick, GA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Camden, NJ | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Charleston-North Charleston, SC | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Charlottesville, VA | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 99,000 | $ 99,000 | $ 71,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Decatur, AL | 1 | $ 99,000 | $ 99,000 | $ 142,000 |
| Des Moines-West Des Moines, IA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 83,000 | $ 83,000 | $ 0 |
| El Paso, TX | 1 | $ 108,000 | $ 108,000 | $ 301,000 |
| Elgin, IL | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Fayetteville, NC | 1 | $ 39,000 | $ 39,000 | $ 28,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 79,000 | $ 79,000 | $ 84,000 |
| Fond Du Lac, WI | 1 | $ 221,000 | $ 221,000 | $ 62,000 |
| Gainesville, FL | 1 | $ 62,000 | $ 62,000 | $ 34,000 |
| Greensboro-High Point, NC | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Hammond, LA | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 266,000 | $ 266,000 | $ 111,000 |
| Homosassa Springs, FL | 1 | $ 32,000 | $ 32,000 | $ 52,000 |
| Houma-Thibodaux, LA | 1 | $ 81,000 | $ 81,000 | $ 182,000 |
| Huntsville, AL | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Jackson, MS | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Knoxville, TN | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Lancaster, PA | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 232,000 | $ 232,000 | $ 295,000 |
| Lawton, OK | 1 | $ 194,000 | $ 194,000 | $ 58,000 |
| Longview, TX | 1 | $ 92,000 | $ 92,000 | $ 78,000 |
| Lynchburg, VA | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 70,000 | $ 70,000 | $ 117,000 |
| New Bern, NC | 1 | $ 48,000 | $ 48,000 | $ 69,000 |
| New Haven-Milford, CT | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 58,000 | $ 58,000 | $ 62,000 |
| Norwich-New London, CT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Ocala, FL | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Panama City, FL | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 702,000 | $ 702,000 | $ 269,000 |
| Punta Gorda, FL | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Rapid City, SD | 1 | $ 207,000 | $ 207,000 | $ 93,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Rockford, IL | 1 | $ 76,000 | $ 76,000 | $ 54,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 506,000 | $ 506,000 | $ 285,000 |
| Salisbury, MD-DE | 1 | $ 174,000 | $ 174,000 | $ 258,000 |
| Sherman-Denison, TX | 1 | $ 39,000 | $ 39,000 | $ 811,000 |
| Springfield, MA | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 141,000 | $ 141,000 | $ 163,000 |
| Tyler, TX | 1 | $ 56,000 | $ 56,000 | $ 46,000 |
| Waco, TX | 1 | $ 355,000 | $ 355,000 | $ 118,000 |
| Winchester, VA-WV | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 33,000 | $ 33,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2016
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 | 2,138 | $372,981,000 | $174,000 | $13,750,000 | $75,000 | $1,744,000 |
| Refinancing | 619 | $118,155,000 | $190,000 | $7,400,000 | $81,000 | $1,433,000 |
| Home Improvement | 71 | $5,710,000 | $80,000 | $417,000 | $96,000 | $294,000 |
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 | 2,036 | $326,252,000 | $160,000 | $1,033,000 | $93,000 | $1,433,000 |
| Not applicable | 494 | $132,458,000 | $268,000 | $13,750,000 | $0 | $0 |
| Hispanic | 134 | $14,003,000 | $104,000 | $364,000 | $71,000 | $301,000 |
| Black or African American | 56 | $6,757,000 | $120,000 | $283,000 | $106,000 | $1,744,000 |
| Asian | 50 | $8,404,000 | $168,000 | $660,000 | $101,000 | $521,000 |
| Not Provided | 38 | $5,790,000 | $152,000 | $880,000 | $112,000 | $411,000 |
| American Indian or Alaskan Native | 17 | $2,454,000 | $144,000 | $358,000 | $89,000 | $240,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $728,000 | $242,000 | $415,000 | $98,000 | $127,000 |
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) | 2,092 | $391,980,000 | $187,000 | $13,750,000 | $83,000 | $1,744,000 |
| FHA-insured (Federal Housing Administration) | 546 | $71,610,000 | $131,000 | $283,000 | $57,000 | $549,000 |
| VA-guaranteed (Veterans Administration) | 153 | $28,152,000 | $184,000 | $423,000 | $67,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,104,000 | $137,000 | $353,000 | $41,000 | $94,000 |
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 | 1,898 | $377,872,000 | $199,000 | $13,750,000 | $93,000 | $1,744,000 |
| Loan Purchased By The Institution | 420 | $33,426,000 | $79,000 | $375,000 | $0 | $0 |
| Application Approved But Not Accepted | 222 | $19,270,000 | $86,000 | $712,000 | $78,000 | $527,000 |
| Application Withdrawn By Applicant | 170 | $50,867,000 | $299,000 | $7,400,000 | $88,000 | $411,000 |
| Application Denied By Financial Institution | 115 | $15,297,000 | $133,000 | $6,600,000 | $68,000 | $346,000 |
| File Closed For Incompleteness | 3 | $114,000 | $38,000 | $80,000 | $103,000 | $178,000 |
| 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 | 55 | $3,201,000 | $58,000 | $221,000 | $69,000 | $240,000 |
| Debt-To-Income Ratio | 26 | $2,549,000 | $98,000 | $600,000 | $48,000 | $91,000 |
| Other | 12 | $7,536,000 | $628,000 | $6,600,000 | $84,000 | $290,000 |
| Collateral | 8 | $695,000 | $86,000 | $276,000 | $94,000 | $224,000 |
| Employment History | 6 | $489,000 | $81,000 | $145,000 | $55,000 | $73,000 |
| Unverifiable Information | 4 | $408,000 | $102,000 | $196,000 | $43,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $154,000 | $51,000 | $74,000 | $67,000 | $138,000 |
| Credit Application Incomplete | 1 | $265,000 | $265,000 | $265,000 | $346,000 | $346,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2016 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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