Fidelity Bank Mortgage Lending & HMDA Data, 2019

In 2019, Fidelity Bank of Wichita, KS reported 2,297 mortgage applications totaling $556.9 million, up 29% from 2018. The average application was for $242,461, and applicants reported an average income of $113,393. 70% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Wichita, KS (948), Kansas City, MO-KS (403) and Oklahoma City, OK (198) (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 2,297
Total Mortgage Loan Application Amount $556,935,000
Average Mortgage Loan Application Amount $242,461
Highest Mortgage Loan Application Amount $27,005,000
Average Applicant Income $113,393
Highest Applicant Income $1,796,000

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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

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 948 $ 177,350,000 $ 187,078 $ 98,000
Kansas City, MO-KS 403 $ 113,545,000 $ 281,749 $ 134,960
Oklahoma City, OK 198 $ 76,880,000 $ 388,282 $ 125,000
Outside any metro area 131 $ 25,235,000 $ 192,633 $ 123,009
Atlanta-Sandy Springs-Roswell, GA 86 $ 21,600,000 $ 251,162 $ 112,000
St. Louis, MO-IL 28 $ 4,090,000 $ 146,071 $ 98,571
Riverside-San Bernardino-Ontario, CA 21 $ 2,295,000 $ 109,285 $ 90,000
Minneapolis-St. Paul-Bloomington, MN-WI 17 $ 1,665,000 $ 97,941 $ 160,000
Phoenix-Mesa-Scottsdale, AZ 16 $ 1,360,000 $ 85,000 $ 0
Stockton-Lodi, CA 14 $ 1,280,000 $ 91,428 $ 0
Denver-Aurora-Lakewood, CO 12 $ 1,640,000 $ 136,666 $ 88,000
Montgomery County-Bucks County-Chester County, PA 10 $ 970,000 $ 97,000 $ 0
Portland-Vancouver-Hillsboro, OR-WA 10 $ 640,000 $ 64,000 $ 0
Dallas-Plano-Irving, TX 9 $ 4,455,000 $ 495,000 $ 102,000
Fresno, CA 9 $ 5,655,000 $ 628,333 $ 80,000
Los Angeles-Long Beach-Glendale, CA 9 $ 1,465,000 $ 162,777 $ 77,000
Nashville-Davidson--Murfreesboro--Franklin, TN 9 $ 1,335,000 $ 148,333 $ 89,000
Boston, MA 8 $ 1,690,000 $ 211,250 $ 122,000
Jacksonville, FL 8 $ 1,100,000 $ 137,500 $ 0
Memphis, TN-MS-AR 8 $ 1,780,000 $ 222,500 $ 111,000
Miami-Miami Beach-Kendall, FL 8 $ 840,000 $ 105,000 $ 87,000
Richmond, VA 8 $ 1,010,000 $ 126,250 $ 0
Anaheim-Santa Ana-Irvine, CA 7 $ 1,215,000 $ 173,571 $ 0
Baltimore-Columbia-Towson, MD 7 $ 375,000 $ 53,571 $ 0
Cambridge-Newton-Framingham, MA 7 $ 985,000 $ 140,714 $ 114,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 7 $ 825,000 $ 117,857 $ 171,000
Santa Fe, NM 7 $ 1,355,000 $ 193,571 $ 91,000
Tampa-St. Petersburg-Clearwater, FL 7 $ 345,000 $ 49,285 $ 37,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 7 $ 1,445,000 $ 206,428 $ 62,000
Chicago-Naperville, IL 6 $ 790,000 $ 131,666 $ 90,000
Knoxville, TN 6 $ 470,000 $ 78,333 $ 0
Topeka, KS 6 $ 1,090,000 $ 181,666 $ 89,000
Tulsa, OK 6 $ 1,600,000 $ 266,666 $ 74,000
Virginia Beach-Norfolk-Newport News, VA-NC 6 $ 700,000 $ 116,666 $ 51,000
Warren-Troy-Farmington Hills, MI 6 $ 580,000 $ 96,666 $ 101,000
West Palm Beach-Boca Raton-Delray Beach, FL 6 $ 540,000 $ 90,000 $ 79,000
Charlotte-Concord-Gastonia, NC-SC 5 $ 505,000 $ 101,000 $ 74,000
Duluth, MN-WI 5 $ 835,000 $ 167,000 $ 98,600
Lawrence, KS 5 $ 1,445,000 $ 289,000 $ 157,000
Oakland-Hayward-Berkeley, CA 5 $ 1,145,000 $ 229,000 $ 175,000
Raleigh, NC 5 $ 1,445,000 $ 289,000 $ 364,000
San Jose-Sunnyvale-Santa Clara, CA 5 $ 545,000 $ 109,000 $ 0
Colorado Springs, CO 4 $ 1,010,000 $ 252,500 $ 67,000
Houston-The Woodlands-Sugar Land, TX 4 $ 16,650,000 $ 4,162,500 $ 133,000
Lake County-Kenosha County, IL-WI 4 $ 810,000 $ 202,500 $ 197,000
Las Vegas-Henderson-Paradise, NV 4 $ 400,000 $ 100,000 $ 182,000
Newark, NJ-PA 4 $ 710,000 $ 177,500 $ 92,000
Orlando-Kissimmee-Sanford, FL 4 $ 190,000 $ 47,500 $ 0
Oxnard-Thousand Oaks-Ventura, CA 4 $ 520,000 $ 130,000 $ 0
Philadelphia, PA 4 $ 620,000 $ 155,000 $ 202,000
Pittsburgh, PA 4 $ 3,430,000 $ 857,500 $ 0
Seattle-Bellevue-Everett, WA 4 $ 5,620,000 $ 1,405,000 $ 0
Boise City, ID 3 $ 295,000 $ 98,333 $ 0
Deltona-Daytona Beach-Ormond Beach, FL 3 $ 145,000 $ 48,333 $ 0
Indianapolis-Carmel-Anderson, IN 3 $ 355,000 $ 118,333 $ 61,000
Killeen-Temple, TX 3 $ 845,000 $ 281,666 $ 228,000
Madison, WI 3 $ 165,000 $ 55,000 $ 0
New York-Newark, NY 3 $ 975,000 $ 325,000 $ 147,000
North Port-Sarasota-Bradenton, FL 3 $ 345,000 $ 115,000 $ 0
Omaha-Council Bluffs, NE-IA 3 $ 715,000 $ 238,333 $ 122,000
Panama City, FL 3 $ 585,000 $ 195,000 $ 1,417,000
Sacramento--Roseville--Arden-Arcade, CA 3 $ 205,000 $ 68,333 $ 0
Salem, OR 3 $ 2,855,000 $ 951,666 $ 0
Santa Maria-Santa Barbara, CA 3 $ 525,000 $ 175,000 $ 0
Worcester, MA-CT 3 $ 215,000 $ 71,666 $ 0
Albuquerque, NM 2 $ 260,000 $ 130,000 $ 106,000
Alexandria, LA 2 $ 80,000 $ 40,000 $ 0
Allentown-Bethlehem-Easton, PA-NJ 2 $ 120,000 $ 60,000 $ 0
Baton Rouge, LA 2 $ 130,000 $ 65,000 $ 0
Birmingham-Hoover, AL 2 $ 120,000 $ 60,000 $ 0
Charleston-North Charleston, SC 2 $ 600,000 $ 300,000 $ 97,000
Cincinnati, OH-KY-IN 2 $ 100,000 $ 50,000 $ 52,000
Columbia, SC 2 $ 140,000 $ 70,000 $ 0
Des Moines-West Des Moines, IA 2 $ 240,000 $ 120,000 $ 45,000
Durham-Chapel Hill, NC 2 $ 110,000 $ 55,000 $ 0
El Paso, TX 2 $ 110,000 $ 55,000 $ 0
Gainesville, GA 2 $ 90,000 $ 45,000 $ 0
Greenville-Anderson-Mauldin, SC 2 $ 280,000 $ 140,000 $ 0
Lexington-Fayette, KY 2 $ 260,000 $ 130,000 $ 115,000
Longview, TX 2 $ 1,190,000 $ 595,000 $ 406,000
Modesto, CA 2 $ 270,000 $ 135,000 $ 0
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 2 $ 70,000 $ 35,000 $ 0
New York-Jersey City-White Plains, NY-NJ 2 $ 7,100,000 $ 3,550,000 $ 315,000
Odessa, TX 2 $ 13,790,000 $ 6,895,000 $ 0
Ogden-Clearfield, UT 2 $ 150,000 $ 75,000 $ 0
Providence-Warwick, RI-MA 2 $ 230,000 $ 115,000 $ 59,000
Reno, NV 2 $ 250,000 $ 125,000 $ 0
Salisbury, MD-DE 2 $ 100,000 $ 50,000 $ 0
San Diego-Carlsbad, CA 2 $ 290,000 $ 145,000 $ 0
San Luis Obispo-Paso Robles-Arroyo Grande, CA 2 $ 220,000 $ 110,000 $ 0
Savannah, GA 2 $ 440,000 $ 220,000 $ 70,000
South Bend-Mishawaka, IN-MI 2 $ 300,000 $ 150,000 $ 84,000
Springfield, MA 2 $ 80,000 $ 40,000 $ 0
Springfield, MO 2 $ 360,000 $ 180,000 $ 37,000
St. Cloud, MN 2 $ 90,000 $ 45,000 $ 0
Tucson, AZ 2 $ 520,000 $ 260,000 $ 510,000
Vallejo-Fairfield, CA 2 $ 190,000 $ 95,000 $ 0
Wilmington, DE-MD-NJ 2 $ 400,000 $ 200,000 $ 335,000
Altoona, PA 1 $ 125,000 $ 125,000 $ 0
Atlantic City-Hammonton, NJ 1 $ 215,000 $ 215,000 $ 65,000
Auburn-Opelika, AL 1 $ 35,000 $ 35,000 $ 0
Austin-Round Rock, TX 1 $ 85,000 $ 85,000 $ 0
Barnstable Town, MA 1 $ 95,000 $ 95,000 $ 0
Beaumont-Port Arthur, TX 1 $ 465,000 $ 465,000 $ 281,000
Beckley, WV 1 $ 65,000 $ 65,000 $ 0
Bend-Redmond, OR 1 $ 375,000 $ 375,000 $ 1,796,000
Brunswick, GA 1 $ 35,000 $ 35,000 $ 0
Champaign-Urbana, IL 1 $ 165,000 $ 165,000 $ 125,000
Chattanooga, TN-GA 1 $ 75,000 $ 75,000 $ 0
Chico, CA 1 $ 275,000 $ 275,000 $ 167,000
Cleveland, TN 1 $ 35,000 $ 35,000 $ 0
Cleveland-Elyria, OH 1 $ 65,000 $ 65,000 $ 61,000
College Station-Bryan, TX 1 $ 3,055,000 $ 3,055,000 $ 0
Dalton, GA 1 $ 35,000 $ 35,000 $ 0
Daphne-Fairhope-Foley, AL 1 $ 85,000 $ 85,000 $ 0
Dayton-Springfield-Kettering, OH 1 $ 215,000 $ 215,000 $ 114,000
Dothan, AL 1 $ 45,000 $ 45,000 $ 0
Elgin, IL 1 $ 8,605,000 $ 8,605,000 $ 0
Fargo, ND-MN 1 $ 65,000 $ 65,000 $ 0
Fayetteville-Springdale-Rogers, AR-MO 1 $ 295,000 $ 295,000 $ 167,000
Fort Wayne, IN 1 $ 25,000 $ 25,000 $ 22,000
Gary, IN 1 $ 55,000 $ 55,000 $ 58,000
Grand Junction, CO 1 $ 35,000 $ 35,000 $ 0
Greeley, CO 1 $ 325,000 $ 325,000 $ 111,000
Greenville, NC 1 $ 45,000 $ 45,000 $ 0
Harrisburg-Carlisle, PA 1 $ 55,000 $ 55,000 $ 0
Hattiesburg, MS 1 $ 35,000 $ 35,000 $ 0
Hickory-Lenoir-Morganton, NC 1 $ 45,000 $ 45,000 $ 0
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 755,000 $ 755,000 $ 335,000
Huntsville, AL 1 $ 45,000 $ 45,000 $ 0
Kankakee, IL 1 $ 95,000 $ 95,000 $ 22,000
La Crosse-Onalaska, WI-MN 1 $ 155,000 $ 155,000 $ 56,000
Lake Havasu City-Kingman, AZ 1 $ 55,000 $ 55,000 $ 0
Lakeland-Winter Haven, FL 1 $ 85,000 $ 85,000 $ 0
Lancaster, PA 1 $ 55,000 $ 55,000 $ 0
Little Rock-North Little Rock-Conway, AR 1 $ 105,000 $ 105,000 $ 58,000
Louisville/Jefferson County, KY-IN 1 $ 165,000 $ 165,000 $ 75,000
Manchester-Nashua, NH 1 $ 285,000 $ 285,000 $ 164,000
Midland, TX 1 $ 4,805,000 $ 4,805,000 $ 0
Mobile, AL 1 $ 85,000 $ 85,000 $ 0
Naples-Immokalee-Marco Island, FL 1 $ 75,000 $ 75,000 $ 0
Olympia-Tumwater, WA 1 $ 75,000 $ 75,000 $ 0
Palm Bay-Melbourne-Titusville, FL 1 $ 85,000 $ 85,000 $ 38,000
Pensacola-Ferry Pass-Brent, FL 1 $ 65,000 $ 65,000 $ 0
Port St. Lucie, FL 1 $ 65,000 $ 65,000 $ 110,000
Reading, PA 1 $ 35,000 $ 35,000 $ 0
Rochester, MN 1 $ 345,000 $ 345,000 $ 80,000
Salt Lake City, UT 1 $ 35,000 $ 35,000 $ 0
San Francisco-Redwood City-South San Francisco, CA 1 $ 45,000 $ 45,000 $ 0
Santa Rosa, CA 1 $ 125,000 $ 125,000 $ 0
Sioux City, IA-NE-SD 1 $ 285,000 $ 285,000 $ 145,000
Spartanburg, SC 1 $ 95,000 $ 95,000 $ 0
St. Joseph, MO-KS 1 $ 95,000 $ 95,000 $ 37,000
Twin Falls, ID 1 $ 55,000 $ 55,000 $ 0
Tyler, TX 1 $ 55,000 $ 55,000 $ 0
Waco, TX 1 $ 155,000 $ 155,000 $ 44,000
Washington-Baltimore-Arlington, DC 1 $ 65,000 $ 65,000 $ 0
Wenatchee, WA 1 $ 135,000 $ 135,000 $ 0
Winchester, VA-WV 1 $ 245,000 $ 245,000 $ 178,000

Mortgage Loan Application Detail Totals for Fidelity Bank in 2019

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 1,489 $355,695,000 $238,000 $15,045,000 $113,000 $1,796,000
Cash-out Refinancing 630 $111,120,000 $176,000 $1,505,000 $114,000 $1,051,000
Refinancing 77 $80,115,000 $1,040,000 $27,005,000 $111,000 $547,000
Not Applicable 53 $5,795,000 $109,000 $265,000 $0 $0
Other Purpose 29 $2,375,000 $81,000 $305,000 $129,000 $359,000
Home Improvement 19 $1,835,000 $96,000 $905,000 $110,000 $292,000

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 1,421 $289,285,000 $203,000 $1,365,000 $116,000 $1,796,000
Not applicable 564 $202,820,000 $359,000 $27,005,000 $0 $0
Not Provided 97 $20,905,000 $215,000 $935,000 $125,000 $510,000
Hispanic 92 $13,960,000 $151,000 $355,000 $70,000 $229,000
Black or African American 50 $10,580,000 $211,000 $625,000 $87,000 $203,000
Asian 45 $12,635,000 $280,000 $1,505,000 $137,000 $480,000
American Indian or Alaskan Native 15 $2,905,000 $193,000 $485,000 $119,000 $318,000
Native Hawaiian or Other Pacific Islander 3 $745,000 $248,000 $275,000 $88,000 $117,000

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) 1,898 $487,900,000 $257,000 $27,005,000 $124,000 $1,796,000
FHA-insured (Federal Housing Administration) 251 $38,725,000 $154,000 $675,000 $70,000 $319,000
VA-guaranteed (Veterans Administration) 120 $26,000,000 $216,000 $495,000 $89,000 $238,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $4,310,000 $153,000 $275,000 $62,000 $84,000

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 1,619 $416,575,000 $257,000 $27,005,000 $114,000 $1,796,000
Loan Purchased By The Institution 477 $44,595,000 $93,000 $2,795,000 $0 $0
Application Withdrawn By Applicant 134 $62,020,000 $462,000 $16,265,000 $119,000 $1,618,000
Application Denied By Financial Institution 59 $32,765,000 $555,000 $15,045,000 $84,000 $315,000
Application Approved But Not Accepted 8 $980,000 $122,000 $285,000 $131,000 $260,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Not applicable 2,238 $524,170,000 $234,000 $27,005,000 $115,000 $1,796,000
Debt-To-Income Ratio 22 $2,920,000 $132,000 $655,000 $67,000 $215,000
Collateral 13 $5,105,000 $392,000 $3,105,000 $74,000 $182,000
Other 10 $23,020,000 $2,302,000 $15,045,000 $121,000 $315,000
Credit History 9 $1,125,000 $125,000 $675,000 $95,000 $175,000
Credit Application Incomplete 3 $235,000 $78,000 $115,000 $140,000 $186,000
Employment History 1 $185,000 $185,000 $185,000 $56,000 $56,000
Insufficient Cash (Downpayment, Closing Cost) 1 $175,000 $175,000 $175,000 $67,000 $67,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2019 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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