Applications / Mortgage Analytics / Lenders / Louisiana / Fidelity Bank
New Orleans, LA · Savings institution · FDIC · $1.3 billion assets · 1,634 loans in 2025
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1,634
loans originated, 2025
2,420
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fidelity Bank is a Louisiana savings institution with far more government-backed loans than similar lenders, ranking fourth in New Orleans-Metairie and second in Lake Charles.
FHA loans (insured by the Federal Housing Administration) were 22.8% of its originations, against 1.5% at similar lenders (savings institutions making between half and twice as many loans); VA loans (guaranteed by the Department of Veterans Affairs) were 5.5%, against 0.1%, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 2.6%, against 0.0%.
Its higher-priced share (a rate well above the average for similar loans) was 7.5%, against 0.4% at peers. FHA loans, nearly a quarter of its lending, are often priced this way, which could account for most of the difference.
Originations fell 9% to 1,634, while similar lenders grew 11% and the whole market 10%. Its share fell 0.8 points to 4.8% in New Orleans-Metairie, where it ranked 4 of 371 behind Gulf Coast Bank and Trust Company, First Horizon Bank and United Wholesale Mortgage, and also fell in Slidell-Mandeville-Covington and Baton Rouge. In Lake Charles it rose 0.8 points to 5.5%, ranking 2 of 208. Competitors' growth, or a shift in where it chooses to lend, are possible reasons.
Majority-minority areas took 23.9% of its loans, against 11.5% at peers, and LMI (low- and moderate-income) areas 15.8%, against 12.7%, both higher than about seven in ten similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fidelity Bank took 2,420 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.6% · Refinance 11.3% · Home improvement 6.5% · Other 3.5%
Conventional 69.2% · FHA 22.8% · VA 5.5% · USDA (RHS or FSA) 2.6% · of 1,634 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 1,369 | 83.8% |
| Mississippi | 146 | 8.9% |
| Florida | 59 | 3.6% |
| Texas | 22 | 1.3% |
| Alabama | 18 | 1.1% |
| Georgia | 4 | 0.2% |
| Arkansas | 3 | 0.2% |
| California | 3 | 0.2% |
| South Carolina | 2 | 0.1% |
| Virginia | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Orleans-Metairie | 559 |
| Slidell-Mandeville-Covington | 192 |
| Lake Charles | 178 |
| Baton Rouge | 175 |
| Shreveport-Bossier City | 101 |
| Lafayette | 85 |
| Pensacola-Ferry Pass-Brent | 53 |
| Jackson | 34 |
| Hammond | 33 |
| Gulfport-Biloxi | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LE3ZOZXUS7W648 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 255574 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41355 | 1990–2006 |
| Respondent ID (the HMDA filer code before 2018) | 328316 | 2007–2017 |
Established 1 January 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fidelity Bank's data.
Fidelity Bank's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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