Fidelity Bank Mortgage Lending & HMDA Data, 2023
In 2023, Fidelity Bank of Wichita, KS reported 3,063 mortgage applications totaling $542.2 million, down 14% from 2022. The average application was for $177,014, and applicants reported an average income of $131,655. 38% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Wichita, KS (955), Kansas City, MO-KS (250) and Oklahoma City, OK (239) (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 | 3,063 |
| Total Mortgage Loan Application Amount | $542,195,000 |
| Average Mortgage Loan Application Amount | $177,014 |
| Highest Mortgage Loan Application Amount | $15,105,000 |
| Average Applicant Income | $131,655 |
| Highest Applicant Income | $2,426,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 955 | $ 172,525,000 | $ 180,654 | $ 120,000 |
| Outside any metro area | 338 | $ 54,380,000 | $ 160,887 | $ 105,461 |
| Kansas City, MO-KS | 250 | $ 77,540,000 | $ 310,160 | $ 176,072 |
| Oklahoma City, OK | 239 | $ 36,675,000 | $ 153,451 | $ 139,000 |
| Los Angeles-Long Beach-Glendale, CA | 99 | $ 13,635,000 | $ 137,727 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 75 | $ 8,925,000 | $ 119,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 74 | $ 10,730,000 | $ 145,000 | $ 515,000 |
| Atlanta-Sandy Springs-Roswell, GA | 52 | $ 7,360,000 | $ 141,538 | $ 156,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 51 | $ 5,075,000 | $ 99,509 | $ 191,000 |
| San Diego-Carlsbad, CA | 49 | $ 6,835,000 | $ 139,489 | $ 340,000 |
| Oakland-Hayward-Berkeley, CA | 46 | $ 6,040,000 | $ 131,304 | $ 0 |
| Tulsa, OK | 38 | $ 8,040,000 | $ 211,578 | $ 125,000 |
| Anaheim-Santa Ana-Irvine, CA | 33 | $ 4,825,000 | $ 146,212 | $ 0 |
| Denver-Aurora-Lakewood, CO | 22 | $ 3,290,000 | $ 149,545 | $ 217,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 3,830,000 | $ 174,090 | $ 319,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 20 | $ 2,510,000 | $ 125,500 | $ 98,000 |
| St. Louis, MO-IL | 20 | $ 1,790,000 | $ 89,500 | $ 123,800 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 2,670,000 | $ 148,333 | $ 220,000 |
| Modesto, CA | 18 | $ 1,240,000 | $ 68,888 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 2,125,000 | $ 125,000 | $ 736,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 1,840,000 | $ 115,000 | $ 162,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 15 | $ 2,365,000 | $ 157,666 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 2,285,000 | $ 175,769 | $ 471,000 |
| Lawrence, KS | 13 | $ 4,195,000 | $ 322,692 | $ 251,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 1,935,000 | $ 148,846 | $ 141,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 1,420,000 | $ 118,333 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 1,380,000 | $ 115,000 | $ 0 |
| Newark, NJ-PA | 11 | $ 2,175,000 | $ 197,727 | $ 214,000 |
| Tucson, AZ | 11 | $ 1,355,000 | $ 123,181 | $ 107,000 |
| Vallejo-Fairfield, CA | 11 | $ 1,215,000 | $ 110,454 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 805,000 | $ 73,181 | $ 0 |
| Chicago-Naperville, IL | 10 | $ 860,000 | $ 86,000 | $ 0 |
| Fresno, CA | 10 | $ 1,180,000 | $ 118,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 1,370,000 | $ 137,000 | $ 262,000 |
| Stockton-Lodi, CA | 10 | $ 1,020,000 | $ 102,000 | $ 0 |
| Boston, MA | 9 | $ 1,155,000 | $ 128,333 | $ 168,000 |
| Columbia, SC | 8 | $ 610,000 | $ 76,250 | $ 0 |
| Jacksonville, FL | 8 | $ 980,000 | $ 122,500 | $ 50,000 |
| Bakersfield, CA | 7 | $ 845,000 | $ 120,714 | $ 0 |
| New York-Newark, NY | 7 | $ 685,000 | $ 97,857 | $ 0 |
| Salinas, CA | 7 | $ 995,000 | $ 142,142 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,265,000 | $ 180,714 | $ 113,285 |
| Wilmington, NC | 7 | $ 685,000 | $ 97,857 | $ 92,000 |
| Birmingham-Hoover, AL | 6 | $ 560,000 | $ 93,333 | $ 0 |
| Boise City, ID | 6 | $ 1,090,000 | $ 181,666 | $ 0 |
| Columbus, OH | 6 | $ 640,000 | $ 106,666 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 840,000 | $ 140,000 | $ 108,000 |
| Reno, NV | 6 | $ 720,000 | $ 120,000 | $ 0 |
| Salt Lake City, UT | 6 | $ 850,000 | $ 141,666 | $ 0 |
| Tacoma-Lakewood, WA | 6 | $ 790,000 | $ 131,666 | $ 0 |
| Worcester, MA-CT | 6 | $ 1,360,000 | $ 226,666 | $ 160,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 595,000 | $ 119,000 | $ 228,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 695,000 | $ 139,000 | $ 185,000 |
| Coeur D'Alene, ID | 5 | $ 745,000 | $ 149,000 | $ 0 |
| Eugene, OR | 5 | $ 485,000 | $ 97,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 605,000 | $ 121,000 | $ 172,000 |
| Manhattan, KS | 5 | $ 915,000 | $ 183,000 | $ 190,000 |
| Napa, CA | 5 | $ 715,000 | $ 143,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 555,000 | $ 111,000 | $ 0 |
| Port St. Lucie, FL | 5 | $ 435,000 | $ 87,000 | $ 0 |
| Rockingham County-Strafford County, NH | 5 | $ 645,000 | $ 129,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 685,000 | $ 137,000 | $ 0 |
| Santa Rosa, CA | 5 | $ 555,000 | $ 111,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,215,000 | $ 243,000 | $ 321,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 410,000 | $ 102,500 | $ 0 |
| Cambridge-Newton-Framingham, MA | 4 | $ 380,000 | $ 95,000 | $ 0 |
| Champaign-Urbana, IL | 4 | $ 1,150,000 | $ 287,500 | $ 289,000 |
| Charleston-North Charleston, SC | 4 | $ 370,000 | $ 92,500 | $ 0 |
| Chattanooga, TN-GA | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Colorado Springs, CO | 4 | $ 400,000 | $ 100,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 450,000 | $ 112,500 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,030,000 | $ 257,500 | $ 209,000 |
| Florence-Muscle Shoals, AL | 4 | $ 290,000 | $ 72,500 | $ 0 |
| Greeley, CO | 4 | $ 550,000 | $ 137,500 | $ 0 |
| Kennewick-Richland, WA | 4 | $ 330,000 | $ 82,500 | $ 0 |
| Madera, CA | 4 | $ 290,000 | $ 72,500 | $ 0 |
| Medford, OR | 4 | $ 450,000 | $ 112,500 | $ 0 |
| Memphis, TN-MS-AR | 4 | $ 590,000 | $ 147,500 | $ 161,000 |
| Prescott Valley-Prescott, AZ | 4 | $ 370,000 | $ 92,500 | $ 0 |
| Albuquerque, NM | 3 | $ 485,000 | $ 161,666 | $ 106,000 |
| Asheville, NC | 3 | $ 1,045,000 | $ 348,333 | $ 288,000 |
| Bellingham, WA | 3 | $ 875,000 | $ 291,666 | $ 126,000 |
| Boulder, CO | 3 | $ 505,000 | $ 168,333 | $ 0 |
| Bremerton-Silverdale, WA | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Columbus, GA-AL | 3 | $ 485,000 | $ 161,666 | $ 202,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 645,000 | $ 215,000 | $ 105,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 125,000 | $ 41,666 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 475,000 | $ 158,333 | $ 39,000 |
| Huntsville, AL | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Lakeland-Winter Haven, FL | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 165,000 | $ 55,000 | $ 16,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Ocala, FL | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 555,000 | $ 185,000 | $ 327,000 |
| Peoria, IL | 3 | $ 105,000 | $ 35,000 | $ 0 |
| Salem, OR | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Santa Fe, NM | 3 | $ 375,000 | $ 125,000 | $ 87,000 |
| Springfield, MO | 3 | $ 265,000 | $ 88,333 | $ 110,000 |
| Topeka, KS | 3 | $ 435,000 | $ 145,000 | $ 168,000 |
| Visalia-Porterville, CA | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Yuba City, CA | 3 | $ 265,000 | $ 88,333 | $ 0 |
| Akron, OH | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Athens-Clarke County, GA | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Camden, NJ | 2 | $ 150,000 | $ 75,000 | $ 184,000 |
| Cincinnati, OH-KY-IN | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Columbia, MO | 2 | $ 350,000 | $ 175,000 | $ 100,000 |
| Corvallis, OR | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 1,040,000 | $ 520,000 | $ 275,000 |
| El Centro, CA | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Fort Wayne, IN | 2 | $ 300,000 | $ 150,000 | $ 103,000 |
| Gainesville, GA | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Gary, IN | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Hanford-Corcoran, CA | 2 | $ 400,000 | $ 200,000 | $ 103,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Knoxville, TN | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Merced, CA | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 290,000 | $ 145,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Philadelphia, PA | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Pittsburgh, PA | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Provo-Orem, UT | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Richmond, VA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Rochester, MN | 2 | $ 130,000 | $ 65,000 | $ 76,000 |
| Salisbury, MD-DE | 2 | $ 250,000 | $ 125,000 | $ 0 |
| San Rafael, CA | 2 | $ 180,000 | $ 90,000 | $ 49,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 2 | $ 100,000 | $ 50,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 270,000 | $ 135,000 | $ 70,000 |
| Waco, TX | 2 | $ 950,000 | $ 475,000 | $ 196,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Wichita Falls, TX | 2 | $ 18,110,000 | $ 9,055,000 | $ 0 |
| Winston-Salem, NC | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Yakima, WA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 10,000 | $ 5,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Auburn-Opelika, AL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 375,000 | $ 375,000 | $ 204,000 |
| Bend-Redmond, OR | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 125,000 | $ 125,000 | $ 0 |
| California-Lexington Park, MD | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Carson City, NV | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Chico, CA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Dalton, GA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Elgin, IL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Enid, OK | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Fargo, ND-MN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fayetteville, NC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Flint, MI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fort Collins, CO | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Fort Worth-Arlington, TX | 1 | $ 495,000 | $ 495,000 | $ 142,000 |
| Great Falls, MT | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hot Springs, AR | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson, MS | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Jefferson City, MO | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kankakee, IL | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Longview, TX | 1 | $ 665,000 | $ 665,000 | $ 260,000 |
| Madison, WI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Muskegon, MI | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| New Haven-Milford, CT | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Norwich-New London, CT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Raleigh, NC | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Rapid City, SD | 1 | $ 85,000 | $ 85,000 | $ 0 |
| San Angelo, TX | 1 | $ 10,305,000 | $ 10,305,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 385,000 | $ 385,000 | $ 152,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Savannah, GA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Trenton, NJ | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Valdosta, GA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Victoria, TX | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Warner Robins, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wausau, WI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wenatchee, WA | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Wilmington, DE-MD-NJ | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2023
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,130 | $120,720,000 | $106,000 | $1,205,000 | $126,000 | $2,426,000 |
| Home Purchase | 1,122 | $293,430,000 | $261,000 | $7,045,000 | $132,000 | $1,250,000 |
| Home Improvement | 511 | $74,365,000 | $145,000 | $15,105,000 | $126,000 | $1,042,000 |
| Refinancing | 213 | $37,585,000 | $176,000 | $1,545,000 | $176,000 | $1,325,000 |
| Cash-out Refinancing | 72 | $15,350,000 | $213,000 | $695,000 | $124,000 | $1,440,000 |
| Not Applicable | 15 | $745,000 | $49,000 | $175,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,284 | $205,480,000 | $160,000 | $15,105,000 | $0 | $0 |
| White | 1,189 | $231,915,000 | $195,000 | $1,875,000 | $133,000 | $2,426,000 |
| Not Provided | 251 | $45,365,000 | $180,000 | $2,005,000 | $144,000 | $1,250,000 |
| Hispanic | 175 | $25,445,000 | $145,000 | $755,000 | $95,000 | $1,140,000 |
| Black or African American | 79 | $13,585,000 | $171,000 | $635,000 | $124,000 | $1,440,000 |
| Asian | 47 | $14,275,000 | $303,000 | $1,615,000 | $194,000 | $989,000 |
| American Indian or Alaskan Native | 32 | $5,290,000 | $165,000 | $475,000 | $146,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $595,000 | $198,000 | $355,000 | $86,000 | $169,000 |
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) | 2,746 | $481,120,000 | $175,000 | $15,105,000 | $142,000 | $2,426,000 |
| FHA-insured (Federal Housing Administration) | 238 | $40,180,000 | $168,000 | $485,000 | $75,000 | $357,000 |
| VA-guaranteed (Veterans Administration) | 71 | $19,235,000 | $270,000 | $665,000 | $110,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,660,000 | $207,000 | $275,000 | $76,000 | $101,000 |
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 Purchased By The Institution | 1,196 | $137,110,000 | $114,000 | $385,000 | $0 | $0 |
| Loan Originated | 1,174 | $304,490,000 | $259,000 | $15,105,000 | $146,000 | $1,325,000 |
| Application Denied By Financial Institution | 497 | $60,125,000 | $120,000 | $695,000 | $101,000 | $2,426,000 |
| Application Withdrawn By Applicant | 171 | $36,505,000 | $213,000 | $1,005,000 | $130,000 | $701,000 |
| File Closed For Incompleteness | 16 | $2,160,000 | $135,000 | $305,000 | $100,000 | $325,000 |
| Application Approved But Not Accepted | 9 | $1,805,000 | $200,000 | $605,000 | $146,000 | $280,000 |
| 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 | 2,566 | $482,070,000 | $187,000 | $15,105,000 | $144,000 | $1,325,000 |
| Debt-To-Income Ratio | 210 | $26,080,000 | $124,000 | $695,000 | $81,000 | $1,440,000 |
| Credit History | 193 | $23,665,000 | $122,000 | $455,000 | $105,000 | $1,200,000 |
| Credit Application Incomplete | 45 | $4,075,000 | $90,000 | $505,000 | $116,000 | $330,000 |
| Collateral | 18 | $2,180,000 | $121,000 | $575,000 | $108,000 | $411,000 |
| Other | 10 | $1,420,000 | $142,000 | $605,000 | $450,000 | $2,426,000 |
| Employment History | 10 | $1,060,000 | $106,000 | $405,000 | $82,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,340,000 | $167,000 | $285,000 | $84,000 | $131,000 |
| Unverifiable Information | 3 | $305,000 | $101,000 | $175,000 | $124,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2023 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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