# Fidelity Bank

> **Canonical URL:** https://saferate.com/lenders/fidelity-bank-il


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Fidelity Bank is a bank, headquartered in Savanna, IL, serving borrowers across 7 states, with 256 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900WMFKWPLR3B4U63
- **Headquarters:** Savanna, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, FL, IA, IL, KS, MN, MO
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.225%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,431
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 256
- **Dollar Volume:** $73 million
- **Applications Received:** 334
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $285,859
- **Average Borrower Income:** $122,809
- **Average Property Value:** $357,500

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 190 | +0.199% | $1,386 | Sound ☺️ |
| FHA | 63/100 | 43 | +0.480% | $1,793 | Strong 😀 |
| VA | 61/100 | 15 | -0.298% | $1,477 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 167 loans, Score: 52/100 (Sound)
- Refinance: 23 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 42 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 232 | $67M | +0.237% | Sound ☺️ |
| Refinance | 41/100 | 24 | $7M | +0.109% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 238 | 0.67% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Des Moines | IA | 210 | 84/100 |
| Non |  | 28 | 37/100 |

## Where This Lender Ranks

Fidelity Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Des Moines for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Des Moines for USDA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Des Moines for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Des Moines for FHA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Iowa for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Des Moines for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Iowa for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Des Moines Banks
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks)
- 🏆 **#8** in Des Moines
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders)
- 🏆 **#9** in Iowa for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#10** in Des Moines for VA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/va-loans)
- 🏆 **#11** in Iowa Banks
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks)
- 🏆 **#12** in Iowa for FHA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Des Moines for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Iowa for USDA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/usda-loans)
- 🏆 **#18** in Iowa for VA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does Fidelity Bank offer?

Fidelity Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fidelity Bank offer mortgages?

Fidelity Bank offers mortgages in 7 states: AZ, FL, IA, IL, KS, MN, MO.

### How competitive are Fidelity Bank's mortgage rates?

Fidelity Bank has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.225% above market average.

### What type of lender is Fidelity Bank?

Fidelity Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Savanna, IL.

### What is Fidelity Bank's loan approval success rate?

Fidelity Bank has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fidelity-bank-il

### How to Cite

> "Fidelity Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fidelity-bank-il

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