Fidelity Bank Mortgage Lending & HMDA Data, 2020

In 2020, Fidelity Bank of Wichita, KS reported 3,874 mortgage applications totaling $924.5 million, up 69% from 2019. The average application was for $238,642, and applicants reported an average income of $124,568. 80% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Wichita, KS (1,516), Kansas City, MO-KS (984) and Oklahoma City, OK (420) (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 3,874
Total Mortgage Loan Application Amount $924,500,000
Average Mortgage Loan Application Amount $238,642
Highest Mortgage Loan Application Amount $20,605,000
Average Applicant Income $124,568
Highest Applicant Income $1,714,000

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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

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 1,516 $ 326,590,000 $ 215,428 $ 104,000
Kansas City, MO-KS 984 $ 286,570,000 $ 291,229 $ 144,642
Oklahoma City, OK 420 $ 86,550,000 $ 206,071 $ 137,000
Outside any metro area 164 $ 33,030,000 $ 201,402 $ 143,269
St. Louis, MO-IL 57 $ 12,705,000 $ 222,894 $ 131,824
Memphis, TN-MS-AR 49 $ 10,035,000 $ 204,795 $ 120,020
Atlanta-Sandy Springs-Roswell, GA 42 $ 4,860,000 $ 115,714 $ 133,000
Santa Fe, NM 30 $ 7,420,000 $ 247,333 $ 130,000
Nashville-Davidson--Murfreesboro--Franklin, TN 29 $ 6,795,000 $ 234,310 $ 108,000
Cambridge-Newton-Framingham, MA 27 $ 9,025,000 $ 334,259 $ 144,000
Indianapolis-Carmel-Anderson, IN 25 $ 4,855,000 $ 194,200 $ 88,000
Boston, MA 15 $ 4,135,000 $ 275,666 $ 125,000
Phoenix-Mesa-Scottsdale, AZ 15 $ 4,545,000 $ 303,000 $ 190,000
Providence-Warwick, RI-MA 15 $ 3,655,000 $ 243,666 $ 237,800
Lawrence, KS 13 $ 3,095,000 $ 238,076 $ 91,000
Chicago-Naperville, IL 12 $ 2,340,000 $ 195,000 $ 118,000
Denver-Aurora-Lakewood, CO 12 $ 14,680,000 $ 1,223,333 $ 116,000
Minneapolis-St. Paul-Bloomington, MN-WI 12 $ 2,340,000 $ 195,000 $ 208,000
Colorado Springs, CO 11 $ 2,825,000 $ 256,818 $ 133,000
Las Vegas-Henderson-Paradise, NV 11 $ 2,835,000 $ 257,727 $ 157,000
Raleigh, NC 11 $ 2,925,000 $ 265,909 $ 145,000
Los Angeles-Long Beach-Glendale, CA 10 $ 11,240,000 $ 1,124,000 $ 115,000
Tulsa, OK 10 $ 2,680,000 $ 268,000 $ 294,000
Virginia Beach-Norfolk-Newport News, VA-NC 10 $ 2,100,000 $ 210,000 $ 228,800
Topeka, KS 9 $ 2,035,000 $ 226,111 $ 125,000
Albuquerque, NM 8 $ 1,980,000 $ 247,500 $ 174,000
Dallas-Plano-Irving, TX 8 $ 2,050,000 $ 256,250 $ 184,000
La Crosse-Onalaska, WI-MN 8 $ 1,200,000 $ 150,000 $ 103,750
Charlotte-Concord-Gastonia, NC-SC 7 $ 1,215,000 $ 173,571 $ 87,142
Des Moines-West Des Moines, IA 7 $ 1,035,000 $ 147,857 $ 89,000
Elgin, IL 7 $ 1,145,000 $ 163,571 $ 88,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 7 $ 815,000 $ 116,428 $ 116,571
Worcester, MA-CT 7 $ 1,245,000 $ 177,857 $ 109,000
Anaheim-Santa Ana-Irvine, CA 6 $ 2,240,000 $ 373,333 $ 177,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 6 $ 1,090,000 $ 181,666 $ 72,000
Houston-The Woodlands-Sugar Land, TX 6 $ 1,690,000 $ 281,666 $ 238,000
Kankakee, IL 6 $ 700,000 $ 116,666 $ 94,000
New York-Jersey City-White Plains, NY-NJ 6 $ 2,160,000 $ 360,000 $ 174,000
Orlando-Kissimmee-Sanford, FL 6 $ 940,000 $ 156,666 $ 132,000
Sacramento--Roseville--Arden-Arcade, CA 6 $ 1,370,000 $ 228,333 $ 86,000
Columbus, OH 5 $ 1,135,000 $ 227,000 $ 135,000
Fort Wayne, IN 5 $ 1,005,000 $ 201,000 $ 90,000
Fort Worth-Arlington, TX 5 $ 1,245,000 $ 249,000 $ 129,000
Miami-Miami Beach-Kendall, FL 5 $ 865,000 $ 173,000 $ 76,000
New York-Newark, NY 5 $ 1,155,000 $ 231,000 $ 142,600
Riverside-San Bernardino-Ontario, CA 5 $ 875,000 $ 175,000 $ 163,000
Allentown-Bethlehem-Easton, PA-NJ 4 $ 350,000 $ 87,500 $ 94,000
Austin-Round Rock, TX 4 $ 1,170,000 $ 292,500 $ 124,000
Bakersfield, CA 4 $ 1,050,000 $ 262,500 $ 118,000
Camden, NJ 4 $ 550,000 $ 137,500 $ 64,000
Champaign-Urbana, IL 4 $ 780,000 $ 195,000 $ 72,000
Cincinnati, OH-KY-IN 4 $ 750,000 $ 187,500 $ 118,000
Duluth, MN-WI 4 $ 600,000 $ 150,000 $ 100,250
Fayetteville-Springdale-Rogers, AR-MO 4 $ 1,020,000 $ 255,000 $ 321,000
Fond Du Lac, WI 4 $ 450,000 $ 112,500 $ 91,000
Hartford-West Hartford-East Hartford, CT 4 $ 910,000 $ 227,500 $ 97,000
Omaha-Council Bluffs, NE-IA 4 $ 520,000 $ 130,000 $ 82,000
Portland-Vancouver-Hillsboro, OR-WA 4 $ 1,510,000 $ 377,500 $ 92,000
Savannah, GA 4 $ 390,000 $ 97,500 $ 90,000
Springfield, MO 4 $ 780,000 $ 195,000 $ 71,000
Tampa-St. Petersburg-Clearwater, FL 4 $ 500,000 $ 125,000 $ 136,000
Baltimore-Columbia-Towson, MD 3 $ 365,000 $ 121,666 $ 0
Durham-Chapel Hill, NC 3 $ 695,000 $ 231,666 $ 108,000
Fresno, CA 3 $ 805,000 $ 268,333 $ 128,000
Louisville/Jefferson County, KY-IN 3 $ 425,000 $ 141,666 $ 146,000
Manhattan, KS 3 $ 695,000 $ 231,666 $ 149,000
Montgomery County-Bucks County-Chester County, PA 3 $ 485,000 $ 161,666 $ 107,000
Naples-Immokalee-Marco Island, FL 3 $ 745,000 $ 248,333 $ 209,000
North Port-Sarasota-Bradenton, FL 3 $ 275,000 $ 91,666 $ 30,000
Philadelphia, PA 3 $ 655,000 $ 218,333 $ 172,000
Pittsburgh, PA 3 $ 295,000 $ 98,333 $ 134,000
Richmond, VA 3 $ 375,000 $ 125,000 $ 40,000
San Francisco-Redwood City-South San Francisco, CA 3 $ 675,000 $ 225,000 $ 123,000
Seattle-Bellevue-Everett, WA 3 $ 855,000 $ 285,000 $ 120,000
Stockton-Lodi, CA 3 $ 515,000 $ 171,666 $ 72,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 615,000 $ 205,000 $ 138,000
Asheville, NC 2 $ 320,000 $ 160,000 $ 0
Augusta-Richmond County, GA-SC 2 $ 200,000 $ 100,000 $ 95,000
Bend-Redmond, OR 2 $ 770,000 $ 385,000 $ 438,000
Cape Coral-Fort Myers, FL 2 $ 570,000 $ 285,000 $ 122,000
Charleston-North Charleston, SC 2 $ 300,000 $ 150,000 $ 247,000
Chattanooga, TN-GA 2 $ 330,000 $ 165,000 $ 106,000
Cleveland, TN 2 $ 310,000 $ 155,000 $ 87,000
Cleveland-Elyria, OH 2 $ 150,000 $ 75,000 $ 60,000
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 420,000 $ 210,000 $ 478,000
El Paso, TX 2 $ 370,000 $ 185,000 $ 151,000
Florence, SC 2 $ 90,000 $ 45,000 $ 0
Fort Collins, CO 2 $ 480,000 $ 240,000 $ 75,000
Gainesville, GA 2 $ 310,000 $ 155,000 $ 68,000
Jackson, MS 2 $ 410,000 $ 205,000 $ 131,000
Janesville-Beloit, WI 2 $ 110,000 $ 55,000 $ 49,000
Knoxville, TN 2 $ 290,000 $ 145,000 $ 100,000
Lafayette-West Lafayette, IN 2 $ 250,000 $ 125,000 $ 61,000
Longview, TX 2 $ 620,000 $ 310,000 $ 190,000
Manchester-Nashua, NH 2 $ 300,000 $ 150,000 $ 87,000
Nassau County-Suffolk County, NY 2 $ 580,000 $ 290,000 $ 136,000
New Orleans-Metairie, LA 2 $ 530,000 $ 265,000 $ 436,000
Ogden-Clearfield, UT 2 $ 420,000 $ 210,000 $ 113,000
Port St. Lucie, FL 2 $ 250,000 $ 125,000 $ 120,000
Salt Lake City, UT 2 $ 330,000 $ 165,000 $ 59,000
San Diego-Carlsbad, CA 2 $ 510,000 $ 255,000 $ 115,000
South Bend-Mishawaka, IN-MI 2 $ 460,000 $ 230,000 $ 100,000
Visalia-Porterville, CA 2 $ 610,000 $ 305,000 $ 138,000
Akron, OH 1 $ 405,000 $ 405,000 $ 213,000
Anniston-Oxford-Jacksonville, AL 1 $ 135,000 $ 135,000 $ 84,000
Auburn-Opelika, AL 1 $ 75,000 $ 75,000 $ 0
Baton Rouge, LA 1 $ 255,000 $ 255,000 $ 250,000
Beaumont-Port Arthur, TX 1 $ 455,000 $ 455,000 $ 284,000
Billings, MT 1 $ 1,035,000 $ 1,035,000 $ 675,000
Birmingham-Hoover, AL 1 $ 65,000 $ 65,000 $ 0
Boise City, ID 1 $ 245,000 $ 245,000 $ 0
Bridgeport-Stamford-Norwalk, CT 1 $ 135,000 $ 135,000 $ 0
Cedar Rapids, IA 1 $ 155,000 $ 155,000 $ 55,000
Charlottesville, VA 1 $ 245,000 $ 245,000 $ 84,000
Columbia, MO 1 $ 175,000 $ 175,000 $ 72,000
Columbia, SC 1 $ 255,000 $ 255,000 $ 101,000
Daphne-Fairhope-Foley, AL 1 $ 365,000 $ 365,000 $ 156,000
Davenport-Moline-Rock Island, IA-IL 1 $ 55,000 $ 55,000 $ 40,000
Dayton-Springfield-Kettering, OH 1 $ 215,000 $ 215,000 $ 189,000
Detroit-Dearborn-Livonia, MI 1 $ 185,000 $ 185,000 $ 108,000
Dover, DE 1 $ 165,000 $ 165,000 $ 40,000
Eugene, OR 1 $ 235,000 $ 235,000 $ 56,000
Fort Smith, AR-OK 1 $ 5,000 $ 5,000 $ 0
Gary, IN 1 $ 195,000 $ 195,000 $ 167,000
Greeley, CO 1 $ 315,000 $ 315,000 $ 0
Greensboro-High Point, NC 1 $ 205,000 $ 205,000 $ 76,000
Greenville-Anderson-Mauldin, SC 1 $ 255,000 $ 255,000 $ 73,000
Hagerstown-Martinsburg, MD-WV 1 $ 285,000 $ 285,000 $ 146,000
Hammond, LA 1 $ 115,000 $ 115,000 $ 44,000
Harrisburg-Carlisle, PA 1 $ 35,000 $ 35,000 $ 0
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 755,000 $ 755,000 $ 205,000
Huntsville, AL 1 $ 55,000 $ 55,000 $ 0
Jackson, MI 1 $ 115,000 $ 115,000 $ 153,000
Jackson, TN 1 $ 2,805,000 $ 2,805,000 $ 0
Jacksonville, FL 1 $ 85,000 $ 85,000 $ 0
Killeen-Temple, TX 1 $ 95,000 $ 95,000 $ 0
Kokomo, IN 1 $ 145,000 $ 145,000 $ 48,000
Lake County-Kenosha County, IL-WI 1 $ 485,000 $ 485,000 $ 132,000
Lansing-East Lansing, MI 1 $ 105,000 $ 105,000 $ 109,000
Madison, WI 1 $ 255,000 $ 255,000 $ 65,000
Missoula, MT 1 $ 395,000 $ 395,000 $ 87,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 105,000 $ 105,000 $ 55,000
Newark, NJ-PA 1 $ 165,000 $ 165,000 $ 98,000
Norwich-New London, CT 1 $ 145,000 $ 145,000 $ 0
Oakland-Hayward-Berkeley, CA 1 $ 245,000 $ 245,000 $ 102,000
Oxnard-Thousand Oaks-Ventura, CA 1 $ 445,000 $ 445,000 $ 151,000
Panama City, FL 1 $ 235,000 $ 235,000 $ 76,000
Portland-South Portland, ME 1 $ 225,000 $ 225,000 $ 79,000
Provo-Orem, UT 1 $ 55,000 $ 55,000 $ 0
Rapid City, SD 1 $ 225,000 $ 225,000 $ 82,000
Roanoke, VA 1 $ 105,000 $ 105,000 $ 0
Rochester, MN 1 $ 85,000 $ 85,000 $ 21,000
Rockingham County-Strafford County, NH 1 $ 175,000 $ 175,000 $ 77,000
Salisbury, MD-DE 1 $ 155,000 $ 155,000 $ 0
Santa Rosa, CA 1 $ 55,000 $ 55,000 $ 0
Sebastian-Vero Beach, FL 1 $ 105,000 $ 105,000 $ 56,000
Springfield, MA 1 $ 125,000 $ 125,000 $ 145,000
Staunton-Waynesboro, VA 1 $ 145,000 $ 145,000 $ 0
Tacoma-Lakewood, WA 1 $ 315,000 $ 315,000 $ 121,000
Tallahassee, FL 1 $ 65,000 $ 65,000 $ 0
The Villages, FL 1 $ 165,000 $ 165,000 $ 220,000
Trenton, NJ 1 $ 415,000 $ 415,000 $ 170,000
Vallejo-Fairfield, CA 1 $ 75,000 $ 75,000 $ 0
Waco, TX 1 $ 405,000 $ 405,000 $ 154,000
Warren-Troy-Farmington Hills, MI 1 $ 85,000 $ 85,000 $ 31,000
Wilmington, DE-MD-NJ 1 $ 195,000 $ 195,000 $ 79,000
Wilmington, NC 1 $ 85,000 $ 85,000 $ 0
Winston-Salem, NC 1 $ 195,000 $ 195,000 $ 56,000
Yuma, AZ 1 $ 25,000 $ 25,000 $ 12,000

Mortgage Loan Application Detail Totals for Fidelity Bank in 2020

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 1,611 $389,345,000 $241,000 $20,605,000 $113,000 $1,295,000
Refinancing 1,453 $378,955,000 $260,000 $11,405,000 $134,000 $1,107,000
Cash-out Refinancing 610 $137,830,000 $225,000 $1,655,000 $136,000 $1,714,000
Other Purpose 107 $10,445,000 $97,000 $705,000 $109,000 $450,000
Not Applicable 54 $5,880,000 $108,000 $275,000 $0 $0
Home Improvement 39 $2,045,000 $52,000 $115,000 $115,000 $222,000

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 2,806 $628,450,000 $223,000 $1,655,000 $124,000 $1,714,000
Not Provided 326 $77,080,000 $236,000 $705,000 $142,000 $898,000
Not applicable 260 $115,520,000 $444,000 $20,605,000 $0 $0
Hispanic 186 $32,160,000 $172,000 $525,000 $80,000 $401,000
Asian 124 $31,590,000 $254,000 $705,000 $164,000 $1,080,000
Black or African American 78 $15,050,000 $192,000 $685,000 $116,000 $595,000
American Indian or Alaskan Native 26 $5,660,000 $217,000 $515,000 $126,000 $336,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 3,387 $835,035,000 $246,000 $20,605,000 $132,000 $1,714,000
FHA-insured (Federal Housing Administration) 289 $45,335,000 $156,000 $505,000 $66,000 $250,000
VA-guaranteed (Veterans Administration) 175 $40,865,000 $233,000 $685,000 $88,000 $415,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $3,265,000 $141,000 $245,000 $51,000 $80,000

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 3,099 $753,785,000 $243,000 $20,605,000 $125,000 $1,714,000
Application Withdrawn By Applicant 478 $136,080,000 $284,000 $11,255,000 $127,000 $1,295,000
Loan Purchased By The Institution 190 $17,400,000 $91,000 $315,000 $0 $0
Application Denied By Financial Institution 52 $5,660,000 $108,000 $355,000 $73,000 $212,000
File Closed For Incompleteness 43 $9,725,000 $226,000 $515,000 $178,000 $1,080,000
Application Approved But Not Accepted 12 $1,850,000 $154,000 $335,000 $115,000 $296,000
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
Not applicable 3,822 $918,840,000 $240,000 $20,605,000 $126,000 $1,714,000
Debt-To-Income Ratio 19 $2,475,000 $130,000 $355,000 $82,000 $204,000
Credit History 11 $765,000 $69,000 $195,000 $88,000 $212,000
Credit Application Incomplete 7 $715,000 $102,000 $255,000 $47,000 $95,000
Collateral 6 $540,000 $90,000 $285,000 $74,000 $95,000
Other 4 $460,000 $115,000 $195,000 $59,000 $90,000
Employment History 4 $540,000 $135,000 $215,000 $58,000 $92,000
Unverifiable Information 1 $165,000 $165,000 $165,000 $48,000 $48,000
Insufficient Cash (Downpayment, Closing Cost) 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 2020 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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