Fidelity Bank in California vs the state
40.0%Denial rate+22.58 pts vs state
50.0%Decision denial rate+27.60 pts vs state
40.0%Origination rate-16.20 pts vs state
7.49%Median rate+0.87 pts vs state
1.48Rate spread (pts)+1.21 pts vs state
$142kMedian applicant income
4Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 40.0% | 7.25% | #842 |
| 2024 | 23 | 8 | 39.1% | 7.00% | #624 |
| 2025 | 10 | 4 | 40.0% | 7.49% | #733 |
What Fidelity Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fidelity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 2 | 1 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| Contra Costa County | 1 | 0 | 1 | 100.0% |
| Kern County | 1 | 0 | 1 | 100.0% |
| Solano County | 1 | 1 | 0 | 0.0% |
| Fresno County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Stanislaus County | 1 | 1 | 0 | 0.0% |
| Monterey County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 10 applications in 2025, of which 4 were originated and 4 denied.
40.0% of all applications, or 50.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fidelity Bank originated in California in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology