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FIDELITY BANK
Bank|New Orleans, LA|Multi-Region
Loans Originated
1,434
Applications
2,080
Volume
$407 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.417%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,057
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
FIDELITY BANK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 11 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$284,456
Average Borrower Income
$133,526
Average Property Value
$342,727
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 807 | 56.3% | +0.372% | $3,180 |
FHA Loans | Strong | Exceptional | Sound | Strong | 468 | 32.6% | +0.597% | $2,828 |
VA Loans | Sound | Strong | Acceptable | Strong | 77 | 5.4% | -0.153% | $3,237 |
Jumbo Loans | Strong | Strong | N/A | Strong | 24 | 1.7% | +0.527% | $3,432 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 58 | 4.0% | +0.403% | $2,257 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 1,359 | 94.8% | +0.425% | $3,059 |
Refinance | Sound | Strong | Acceptable | Sound | 75 | 5.2% | +0.302% | $3,032 |
Geographic Coverage
Metro Areas
10
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALCAFLILINLAMSMTNCNMOHORSCTNTXUTWA
Top Metro Areas by Place Specialization Score
1
New Orleans, LAMSA
Volume: 429Mix: 29.92%
Place Specialization
Exceptional
2
Lake Charles, LA, LAMSA
Volume: 162Mix: 11.30%
Place Specialization
Exceptional
3
Shreveport, LAMSA
Volume: 129Mix: 9.00%
Place Specialization
Exceptional
4
Slidell, LAMSA
Volume: 136Mix: 9.48%
Place Specialization
Exceptional
5
Baton Rouge, LA, LAMSA
Volume: 172Mix: 11.99%
Place Specialization
Strong
6
Lafayette, LA, LAMSA
Volume: 65Mix: 4.53%
Place Specialization
Strong
7
Pensacola, FLMSA
Volume: 71Mix: 4.95%
Place Specialization
Strong
8
Hammond, LA, LAMSA
Volume: 32Mix: 2.23%
Place Specialization
Strong
9
Jackson, MS, MSMSA
Volume: 31Mix: 2.16%
Place Specialization
Sound
10
Crestview, FLMSA
Volume: 11Mix: 0.77%
Place Specialization
Sound
Top States by Place Specialization Score
1
LAState
Volume: 1,167Mix: 81.38%
Place Specialization
Exceptional
2
MSState
Volume: 139Mix: 9.69%
Place Specialization
Strong
3
FLState
Volume: 86Mix: 6.00%
Place Specialization
Sound
4
TXState
Volume: 25Mix: 1.74%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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