Fidelity Bank Mortgage Lending & HMDA Data, 2024
In 2024, Fidelity Bank of Wichita, KS reported 1,934 mortgage applications totaling $371.5 million, down 37% from 2023. The average application was for $192,078, and applicants reported an average income of $142,318. 60% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Wichita, KS (1,009), Kansas City, MO-KS (206) and Oklahoma City, OK (178) (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 | 1,934 |
| Total Mortgage Loan Application Amount | $371,480,000 |
| Average Mortgage Loan Application Amount | $192,078 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $142,318 |
| Highest Applicant Income | $3,784,000 |
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Act (HMDA) records Fidelity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,009 | $ 181,325,000 | $ 179,707 | $ 123,000 |
| Outside any metro area | 249 | $ 40,465,000 | $ 162,510 | $ 117,304 |
| Kansas City, MO-KS | 206 | $ 63,760,000 | $ 309,514 | $ 201,723 |
| Oklahoma City, OK | 178 | $ 20,000,000 | $ 112,359 | $ 151,000 |
| Tulsa, OK | 24 | $ 4,070,000 | $ 169,583 | $ 187,000 |
| Lawrence, KS | 11 | $ 1,955,000 | $ 177,727 | $ 214,000 |
| St. Louis, MO-IL | 9 | $ 995,000 | $ 110,555 | $ 111,666 |
| Chicago-Naperville, IL | 7 | $ 1,095,000 | $ 156,428 | $ 122,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 695,000 | $ 99,285 | $ 88,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,705,000 | $ 243,571 | $ 294,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 4,080,000 | $ 680,000 | $ 234,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,670,000 | $ 445,000 | $ 268,000 |
| Marietta, GA | 6 | $ 1,380,000 | $ 230,000 | $ 177,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,270,000 | $ 211,666 | $ 159,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 3,105,000 | $ 621,000 | $ 321,000 |
| Memphis, TN-MS-AR | 5 | $ 705,000 | $ 141,000 | $ 114,600 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 705,000 | $ 141,000 | $ 223,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 695,000 | $ 139,000 | $ 308,000 |
| Topeka, KS | 5 | $ 665,000 | $ 133,000 | $ 322,000 |
| Bakersfield, CA | 4 | $ 280,000 | $ 70,000 | $ 88,000 |
| Enid, OK | 4 | $ 230,000 | $ 57,500 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,520,000 | $ 380,000 | $ 159,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 1,630,000 | $ 407,500 | $ 238,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,770,000 | $ 442,500 | $ 307,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,150,000 | $ 287,500 | $ 74,000 |
| Tampa, FL | 4 | $ 620,000 | $ 155,000 | $ 92,000 |
| Boise City, ID | 3 | $ 435,000 | $ 145,000 | $ 90,000 |
| Colorado Springs, CO | 3 | $ 1,295,000 | $ 431,666 | $ 322,000 |
| Columbus, OH | 3 | $ 1,085,000 | $ 361,666 | $ 202,000 |
| Dallas-Plano-Irving, TX | 3 | $ 3,125,000 | $ 1,041,666 | $ 445,000 |
| Everett, WA | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,855,000 | $ 618,333 | $ 1,649,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 925,000 | $ 308,333 | $ 213,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 545,000 | $ 181,666 | $ 102,000 |
| Manhattan, KS | 3 | $ 545,000 | $ 181,666 | $ 185,000 |
| San Diego-Carlsbad, CA | 3 | $ 505,000 | $ 168,333 | $ 240,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 355,000 | $ 118,333 | $ 0 |
| Tacoma-Lakewood, WA | 3 | $ 1,075,000 | $ 358,333 | $ 151,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 340,000 | $ 170,000 | $ 156,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 630,000 | $ 315,000 | $ 167,000 |
| Cincinnati, OH-KY-IN | 2 | $ 390,000 | $ 195,000 | $ 181,000 |
| Gainesville, FL | 2 | $ 280,000 | $ 140,000 | $ 98,000 |
| Kennewick-Richland, WA | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Knoxville, TN | 2 | $ 930,000 | $ 465,000 | $ 273,000 |
| Lafayette, LA | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 250,000 | $ 125,000 | $ 135,000 |
| Lakeland-Winter Haven, FL | 2 | $ 570,000 | $ 285,000 | $ 179,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 480,000 | $ 240,000 | $ 150,000 |
| Manchester-Nashua, NH | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 280,000 | $ 140,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 510,000 | $ 255,000 | $ 218,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 320,000 | $ 160,000 | $ 272,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 790,000 | $ 395,000 | $ 255,000 |
| Philadelphia, PA | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Pittsburgh, PA | 2 | $ 120,000 | $ 60,000 | $ 45,000 |
| San Rafael, CA | 2 | $ 2,330,000 | $ 1,165,000 | $ 258,000 |
| Springfield, MO | 2 | $ 280,000 | $ 140,000 | $ 157,000 |
| Stockton-Lodi, CA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 190,000 | $ 95,000 | $ 181,000 |
| Waterbury-Shelton, CT | 2 | $ 130,000 | $ 65,000 | $ 58,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Alexandria, LA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 335,000 | $ 335,000 | $ 151,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Camden, NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cheyenne, WY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Chico, CA | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Cleveland, OH | 1 | $ 125,000 | $ 125,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 495,000 | $ 495,000 | $ 231,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 285,000 | $ 285,000 | $ 114,000 |
| El Paso, TX | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Florence, SC | 1 | $ 55,000 | $ 55,000 | $ 119,000 |
| Fort Collins, CO | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Fort Wayne, IN | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Fresno, CA | 1 | $ 105,000 | $ 105,000 | $ 154,000 |
| Gadsden, AL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Grand Junction, CO | 1 | $ 325,000 | $ 325,000 | $ 128,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 375,000 | $ 375,000 | $ 109,000 |
| Houma-Thibodaux, LA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jacksonville, FL | 1 | $ 805,000 | $ 805,000 | $ 444,000 |
| Jefferson City, MO | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Lawton, OK | 1 | $ 55,000 | $ 55,000 | $ 211,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 835,000 | $ 835,000 | $ 260,000 |
| Michigan City-La Porte, IN | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Monroe, LA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 75,000 | $ 75,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Raleigh, NC | 1 | $ 485,000 | $ 485,000 | $ 174,000 |
| Redding, CA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Richmond, VA | 1 | $ 25,000 | $ 25,000 | $ 183,000 |
| Rockingham County-Strafford County, NH | 1 | $ 145,000 | $ 145,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Santa Fe, NM | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Sioux City, IA-NE-SD | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Slidell-Mandeville-Covington, LA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Tallahassee, FL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Terre Haute, IN | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Trenton, NJ | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Tucson, AZ | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 255,000 | $ 255,000 | $ 581,000 |
| Wichita Falls, TX | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Wilmington, NC | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 425,000 | $ 425,000 | $ 57,000 |
| Yakima, WA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Yuba City, CA | 1 | $ 245,000 | $ 245,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank in 2024
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 | 980 | $247,720,000 | $252,000 | $2,405,000 | $145,000 | $3,784,000 |
| Home Improvement | 389 | $38,495,000 | $98,000 | $1,005,000 | $143,000 | $1,465,000 |
| Other Purpose | 289 | $26,115,000 | $90,000 | $565,000 | $125,000 | $780,000 |
| Refinancing | 194 | $41,050,000 | $211,000 | $975,000 | $168,000 | $581,000 |
| Cash-out Refinancing | 73 | $17,555,000 | $240,000 | $725,000 | $103,000 | $414,000 |
| Not Applicable | 9 | $545,000 | $60,000 | $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 |
|---|---|---|---|---|---|---|
| White | 1,171 | $234,685,000 | $200,000 | $1,605,000 | $141,000 | $3,784,000 |
| Not Provided | 222 | $43,490,000 | $195,000 | $1,285,000 | $169,000 | $1,465,000 |
| Not applicable | 191 | $28,295,000 | $148,000 | $1,005,000 | $0 | $0 |
| Hispanic | 190 | $27,020,000 | $142,000 | $515,000 | $105,000 | $911,000 |
| Asian | 70 | $23,020,000 | $328,000 | $2,405,000 | $215,000 | $775,000 |
| Black or African American | 62 | $10,870,000 | $175,000 | $975,000 | $123,000 | $700,000 |
| American Indian or Alaskan Native | 27 | $3,995,000 | $147,000 | $475,000 | $112,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $119,000 | $119,000 |
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) | 1,711 | $325,235,000 | $190,000 | $2,405,000 | $150,000 | $3,784,000 |
| FHA-insured (Federal Housing Administration) | 173 | $30,775,000 | $177,000 | $465,000 | $76,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 49 | $15,345,000 | $313,000 | $1,195,000 | $123,000 | $306,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
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 | 1,152 | $246,220,000 | $213,000 | $2,405,000 | $156,000 | $3,784,000 |
| Application Denied By Financial Institution | 429 | $55,775,000 | $130,000 | $965,000 | $109,000 | $1,293,000 |
| Application Withdrawn By Applicant | 189 | $45,455,000 | $240,000 | $1,285,000 | $139,000 | $674,000 |
| Loan Purchased By The Institution | 136 | $15,600,000 | $114,000 | $645,000 | $0 | $0 |
| File Closed For Incompleteness | 22 | $7,520,000 | $341,000 | $1,145,000 | $166,000 | $414,000 |
| Application Approved But Not Accepted | 6 | $910,000 | $151,000 | $295,000 | $83,000 | $101,000 |
| 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 | 1,505 | $315,705,000 | $209,000 | $2,405,000 | $153,000 | $3,784,000 |
| Debt-To-Income Ratio | 197 | $28,405,000 | $144,000 | $965,000 | $84,000 | $444,000 |
| Credit History | 139 | $17,155,000 | $123,000 | $765,000 | $136,000 | $1,293,000 |
| Credit Application Incomplete | 41 | $2,955,000 | $72,000 | $225,000 | $123,000 | $288,000 |
| Collateral | 19 | $2,625,000 | $138,000 | $575,000 | $156,000 | $775,000 |
| Employment History | 14 | $2,020,000 | $144,000 | $425,000 | $121,000 | $625,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,285,000 | $142,000 | $235,000 | $51,000 | $96,000 |
| Other | 7 | $865,000 | $123,000 | $225,000 | $143,000 | $438,000 |
| Unverifiable Information | 3 | $465,000 | $155,000 | $285,000 | $92,000 | $199,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank's 2024 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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with aggregated HMDA statistics today.
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