Fidelity Bank mortgage approval rate & lending review
Fidelity Bank decided 5,132 mortgage applications and funded 4,459 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fidelity Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fidelity Bank at a glance
Approval is 3.7 points above the 83.6% 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 | 91% | 3,421 / 3,741 | 100% | $235K | 3,412 |
| Home improvement loans | 76% | 361 / 474 | 98% | $85K | 354 |
| Cash-out refinance | 59% | 91 / 155 | 98% | $205K | 89 |
| Refinance | 81% | 250 / 309 | 98% | $125K | 245 |
| Investment property purchase | 84% | 292 / 347 | 99% | $205K | 290 |
| Investment cash-out refinance | 53% | 25 / 47 | 100% | $285K | 25 |
| Investment refinance | 79% | 23 / 29 | 100% | $225K | 23 |
| Investment home improvement | 70% | 21 / 30 | 100% | $95K | 21 |
Fidelity Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 87% | $235K | 4,567 | 3,962 |
| Florida | 86% | $245K | 287 | 247 |
| Mississippi | 87% | $255K | 135 | 118 |
| Texas | 94% | $355K | 54 | 51 |
| Alabama | 91% | $195K | 32 | 29 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orleans Parish, LA | Mortgage lenders | 93% | 660 | 613 |
| Jefferson Parish, LA | Mortgage lenders | 94% | 510 | 477 |
| Calcasieu Parish, LA | Mortgage lenders | 93% | 491 | 458 |
| St. Tammany Parish, LA | Mortgage lenders | 94% | 374 | 349 |
| East Baton Rouge Parish, LA | Mortgage lenders | 86% | 339 | 291 |
| Caddo Parish, LA | Mortgage lenders | 90% | 298 | 266 |
| Lafayette Parish, LA | Mortgage lenders | 95% | 171 | 162 |
| Escambia County, FL | Mortgage lenders | 86% | 161 | 139 |
| Bossier Parish, LA | Mortgage lenders | 90% | 139 | 125 |
| Orleans Parish, LA | Investment property purchase | 87% | 123 | 106 |
| St. Tammany Parish, LA | Home improvement loans | 79% | 131 | 103 |
| Orleans Parish, LA | Home improvement loans | 73% | 133 | 96 |
The county markets where Fidelity Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Fidelity Bank
What is Fidelity Bank's mortgage approval rate?
Fidelity Bank approved 87.4% of the 5,132 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 83.6% national rate for the same mix of loan types.
How often do borrowers take the loan Fidelity Bank offers?
Borrowers accepted 99% of the loans Fidelity Bank 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 make?
The typical home purchase mortgage loan Fidelity Bank made was $235K; across all loan types its typical loan ran from $85K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fidelity Bank lend?
Fidelity Bank decided applications in 26 of the states Fat Boy Data covers, most of them in Louisiana, Florida and Mississippi.
Can I apply to Fidelity Bank directly?
Yes. Fidelity Bank 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'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 treats applications, then get a rate quote from the lender.