Fidelity Bank, National Association mortgage approval rate & lending review
Fidelity Bank, National Association decided 2,926 mortgage applications and funded 2,433 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fidelity Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fidelity Bank, National Association at a glance
Approval is 5.4 points above the 78.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 1,385 / 1,436 | 100% | $215K | 1,381 |
| Home improvement loans | 58% | 442 / 758 | 99% | $55K | 439 |
| Cash-out refinance | 73% | 77 / 105 | 99% | $175K | 76 |
| Refinance | 78% | 236 / 303 | 100% | $105K | 236 |
| Investment property purchase | 97% | 183 / 188 | 99% | $125K | 182 |
| Investment refinance | 95% | 42 / 44 | 100% | $185K | 42 |
| Investment home improvement | 85% | 69 / 81 | 99% | $105K | 68 |
Fidelity Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 87% | $215K | 2,261 | 1,972 |
| Oklahoma | 61% | $85K | 334 | 202 |
| Missouri | 85% | $275K | 142 | 120 |
| California | 52% | $125K | 27 | 14 |
| Florida | 92% | $295K | 24 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fidelity Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Mortgage lenders | 97% | 1,065 | 1,034 |
| Sedgwick County, KS | Home improvement loans | 61% | 451 | 275 |
| Johnson County, KS | Mortgage lenders | 98% | 166 | 162 |
| Sedgwick County, KS | Refinance | 81% | 145 | 118 |
| Sedgwick County, KS | Investment property purchase | 100% | 104 | 103 |
| Oklahoma County, OK | Home improvement loans | 49% | 108 | 53 |
| Johnson County, KS | Refinance | 88% | 52 | 46 |
| Sedgwick County, KS | Cash-out refinance | 78% | 55 | 43 |
| Johnson County, KS | Home improvement loans | 71% | 59 | 42 |
| Sedgwick County, KS | Investment home improvement | 81% | 43 | 35 |
| Johnson County, KS | Investment property purchase | 100% | 22 | 22 |
| Cleveland County, OK | Home improvement loans | 58% | 36 | 20 |
The county markets where Fidelity Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Fidelity Bank, National Association
What is Fidelity Bank, National Association's mortgage approval rate?
Fidelity Bank, National Association approved 83.5% of the 2,926 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.4 points above the 78.1% national rate for the same mix of loan types.
How often do borrowers take the loan Fidelity Bank, National Association offers?
Borrowers accepted 100% of the loans Fidelity Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fidelity Bank, National Association make?
The typical home purchase mortgage loan Fidelity Bank, National Association made was $215K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fidelity Bank, National Association lend?
Fidelity Bank, National Association decided applications in 38 of the states Fat Boy Data covers, most of them in Kansas, Oklahoma and Missouri.
Can I apply to Fidelity Bank, National Association directly?
Yes. Fidelity Bank, National Association is a bank or credit union with 110 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fidelity Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fidelity Bank, National Association treats applications, then get a rate quote from the lender.