# Fidelity Bank, National Association

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


> **📋 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, National Association is a bank, headquartered in Wichita, KS, serving borrowers across 24 states, with 632 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300L9MOPDT0NKE883
- **Headquarters:** Wichita, KS
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, MO, NC, NE, NV, OH, OK, OR, SC, TN, TX, WA, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.326%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,150
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 632
- **Dollar Volume:** $181 million
- **Applications Received:** 943
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,329
- **Average Borrower Income:** $143,198
- **Average Property Value:** $367,611

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 533 | +0.311% | $1,145 | Strong 😀 |
| FHA | 66/100 | 62 | +0.604% | $1,128 | Strong 😀 |
| VA | 66/100 | 32 | -0.012% | $1,366 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 481 loans, Score: 73/100 (Strong)
- Refinance: 52 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 58 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 32 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 575 | $162M | +0.335% | Strong 😀 |
| Refinance | 57/100 | 57 | $19M | +0.235% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 548 | 1.83% | 96/100 |
| MO | 19 | 0.03% | 45/100 |
| OK | 12 | 0.03% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita, KS | KS | 441 | 98/100 |
| Kansas City, MO | MO-KS | 90 | 66/100 |
| Non |  | 35 | 36/100 |

## Where This Lender Ranks

Fidelity Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wichita, KS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Wichita, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🏆 **#4** in Kansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Wichita, KS
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders)
- 🏆 **#4** in Wichita, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)
- 🏆 **#5** in Kansas Banks
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks)
- 🏆 **#5** in Kansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Wichita, KS for FHA Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Wichita, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Kansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🏆 **#11** in Kansas City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#14** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)
- 🏆 **#15** in Kansas City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Kansas for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Fidelity Bank, National Association offer?

Fidelity Bank, National Association 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, National Association offer mortgages?

Fidelity Bank, National Association offers mortgages in 24 states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, MO, NC, NE, NV, OH, OK, OR, SC, TN, TX, WA, WI.

### How competitive are Fidelity Bank, National Association's mortgage rates?

Fidelity Bank, National Association has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.326% above market average.

### What type of lender is Fidelity Bank, National Association?

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

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

Fidelity Bank, National Association has a pull-through score of 67/100 (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-national-association

### How to Cite

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

---

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