Fidelity Bank in Florida vs the state
6.6%Denial rate-14.48 pts vs state
7.8%Decision denial rate-19.43 pts vs state
77.6%Origination rate+24.94 pts vs state
6.50%Median rate-0.13 pts vs state
0.50Rate spread (pts)+0.23 pts vs state
$79kMedian applicant income
59Loans originated
5Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 196 | 124 | 11.7% | 6.75% | #386 |
| 2024 | 136 | 88 | 12.5% | 6.75% | #434 |
| 2025 | 76 | 59 | 6.6% | 6.50% | #532 |
What Fidelity Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Fidelity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Escambia County | 57 | 44 | 4 | 7.0% |
| Santa Rosa County | 10 | 9 | 0 | 0.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
| Jackson County | 2 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Okaloosa County | 1 | 1 | 0 | 0.0% |
| Miami-Dade County | 1 | 0 | 1 | 100.0% |
| Palm Beach County | 1 | 1 | 0 | 0.0% |
| Bay County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 76 applications in 2025, of which 59 were originated and 5 denied.
6.6% of all applications, or 7.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Fidelity Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology