Applications / Mortgage Analytics / Lenders / Kansas / Fidelity Bank
Wichita, KS · National bank · OCC · $3.3 billion assets · 980 loans in 2025
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980
loans originated, 2025
1,512
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fidelity Bank is a Wichita national bank ranked 6 of 367 lenders in its home market, where its share fell 1.1 points to 3.8% while it gained ground in Kansas City and El Paso.
In Wichita, where it has lent since before 1990, Peoples Bank and Trust Company and Rocket Mortgage led. Its originations fell 15% to 980, while similar lenders (national banks making between half and twice as many loans) grew 10%. It gained in Kansas City, up 0.1 points to 0.4%, ranking 57 of 659, and in El Paso, up 0.4 points to 0.4%, ranking 50 of 332. One possible reason for the lower Wichita share is lending shifting toward these markets.
It bought 458 loans from other lenders, up from 136 the year before, more than nearly all similar lenders, whose typical figure was 0. Purchased loans do not count among its originations, so buying more loans may be one reason its own originations fell.
FHA loans (insured by the Federal Housing Administration) were 5.5% of its originations, against 2.1% at similar lenders, and VA loans (guaranteed by the Department of Veterans Affairs) 3.7%, against 0.7%. Home purchases were 51.9% of its lending. Even so, its higher-priced share (a rate well above the average for similar loans) was 1.3%, against 1.8% at peers.
Its typical loan was $185,000, up from $165,000, against $205,000 at similar lenders. Jumbo loans (larger than the conforming limit) were 1.1% of its lending, against 1.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 1,512 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.9% · Refinance 18.6% · Home improvement 18.1% · Other 11.4%
Conventional 90.6% · FHA 5.5% · VA 3.7% · USDA (RHS or FSA) 0.2% · of 980 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 |
|---|---|---|
| Kansas | 805 | 82.1% |
| Oklahoma | 79 | 8.1% |
| Missouri | 53 | 5.4% |
| Florida | 8 | 0.8% |
| California | 4 | 0.4% |
| Minnesota | 3 | 0.3% |
| North Carolina | 3 | 0.3% |
| New Mexico | 3 | 0.3% |
| Texas | 3 | 0.3% |
| Connecticut | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 623 |
| Kansas City | 183 |
| Oklahoma City | 55 |
| Tulsa | 12 |
| Topeka | 7 |
| Lawrence | 5 |
| Manhattan | 3 |
| Albuquerque | 2 |
| Austin-Round Rock-San Marcos | 2 |
| Orlando-Kissimmee-Sanford | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L9MOPDT0NKE883 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 762474 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46081 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706081 | 2011–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fidelity Bank's data.
Fidelity Bank's data
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Fidelity Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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