# FIDELITY BANK

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


> **📋 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 New Orleans, LA, serving borrowers across 17 states, with 1,434 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LE3ZOZXUS7W648
- **Headquarters:** New Orleans, LA
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AL, CA, FL, IL, IN, LA, MS, MT, NC, NM, OH, OR, SC, TN, TX, UT, WA
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.417%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,057
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,434
- **Dollar Volume:** $408 million
- **Applications Received:** 2,080
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $284,456
- **Average Borrower Income:** $133,526
- **Average Property Value:** $342,727

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 807 | +0.372% | $3,180 | Strong 😀 |
| FHA | 80/100 | 468 | +0.597% | $2,828 | Exceptional 🤩 |
| VA | 72/100 | 77 | -0.153% | $3,237 | Strong 😀 |
| Jumbo | 72/100 | 24 | +0.527% | $3,432 | Strong 😀 |
| USDA | 82/100 | 58 | +0.403% | $2,257 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 752 loans, Score: 78/100 (Strong)
- Refinance: 55 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 456 loans, Score: 80/100 (Exceptional)

**VA:**
- Purchase: 69 loans, Score: 71/100 (Strong)

**Jumbo:**
- Purchase: 24 loans, Score: 73/100 (Strong)

**USDA:**
- Purchase: 58 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 1,359 | $389M | +0.425% | Exceptional 🤩 |
| Refinance | 61/100 | 75 | $19M | +0.302% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 1,167 | 3.36% | 92/100 |
| MS | 139 | 0.56% | 70/100 |
| FL | 86 | 0.03% | 54/100 |
| TX | 25 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New Orleans | LA | 429 | 100/100 |
| Baton Rouge, LA | LA | 172 | 76/100 |
| Lake Charles, LA | LA | 162 | 100/100 |
| Slidell | LA | 136 | 87/100 |
| Non |  | 136 | 54/100 |
| Shreveport | LA | 129 | 92/100 |
| Pensacola | FL | 71 | 70/100 |
| Lafayette, LA | LA | 65 | 71/100 |
| Hammond, LA | LA | 32 | 67/100 |
| Jackson, MS | MS | 31 | 56/100 |
| Crestview | FL | 11 | 42/100 |

## Where This Lender Ranks

FIDELITY BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lake Charles, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Slidell for Jumbo Loans
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Slidell for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Slidell for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Shreveport for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Lafayette, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lafayette-la/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in New Orleans for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Lake Charles, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lake Charles, LA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Slidell for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Slidell for USDA Loans
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Hammond, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in New Orleans for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Slidell for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Lafayette, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lafayette-la/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in New Orleans for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Baton Rouge, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Lake Charles, LA Banks
  - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/banks)
- 🏆 **#4** in Shreveport for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Pensacola for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does FIDELITY BANK offer?

FIDELITY BANK offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. 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 17 states: AL, CA, FL, IL, IN, LA, MS, MT, NC, NM, OH, OR, SC, TN, TX, UT, WA.

### How competitive are FIDELITY BANK's mortgage rates?

FIDELITY BANK has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.417% 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 New Orleans, LA.

### What is FIDELITY BANK's loan approval success rate?

FIDELITY BANK has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-la

### How to Cite

> "FIDELITY BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fidelity-bank-la

---

**[View Interactive Profile →](https://saferate.com/lenders/fidelity-bank-la)**