Fidelity Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
76th4.5% deniedPricingmedian rate spread over APOR, weight 30%
98th-0.75 ptsProcesswithdrawn + incomplete share, weight 15%
88th2.4%Closing coststotal loan costs ÷ loan amount, weight 10%
48th1.98% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 601 | 555 | 4.7% | 4.7% | 7.00% | $86M |
| 2024 | 680 | 629 | 4.4% | 4.5% | 6.85% | $104M |
| 2025 | 828 | 758 | 4.4% | 4.5% | 5.95% | $158M |
What Fidelity Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 195 investment properties.
Why Fidelity Bank & Trust denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Fidelity Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 90 | 69 | 15.3% |
| $50k – $100k | 221 | 197 | 4.7% |
| $100k – $150k | 159 | 146 | 5.2% |
| $150k – $250k | 115 | 108 | 2.7% |
| Over $250k | 41 | 38 | 4.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 73 | 70 | 0.0% |
| 25–34 | 152 | 134 | 4.2% |
| 35–44 | 149 | 134 | 6.2% |
| 45–54 | 123 | 110 | 8.2% |
| 55–64 | 100 | 88 | 8.1% |
| 65–74 | 75 | 69 | 2.8% |
| Over 74 | 23 | 20 | 4.8% |
Where Fidelity Bank & Trust lends
3 states and 43 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Fidelity Bank & Trust denied 4.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
The most common reason Fidelity Bank & Trust gave in 2025 was "credit history", cited on 57.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Fidelity Bank & Trust originated in 2025 was 5.95%, and its median rate spread over the average prime offer rate was -0.75 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 53% of its applications were for home purchases, 25% for refinancing (including cash-out), and 22% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.