PlainLender

Fidelity Bank

West Memphis, AR

Fidelity Bank processed 62 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 51 loans with a 11.3% denial rate. Home Purchase was the primary loan purpose. Based in West Memphis, AR. The approval rate of 82.3% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Fidelity Bank's 82.3% origination rate tells you how often an application turned into funded money; the 11.3% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (62 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

62
Applications
51
Originated
11.3%
Denial Rate
$132,258
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 62 51 7 $132,258

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Fidelity Bank (LEI: 549300GDAFL5HNJKDR03) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 31 24 $158,548
Home Improvement 12 10 $65,000
Refinancing 8 7 $206,250
Cash-out Refinancing 6 6 $93,333
Other 5 4 $59,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 19 84.2% 15.8%
Black or African American * 9 77.8% 0.0%
Asian * 3 66.7% 33.3%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 31 83.9% 9.7%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in AR

Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.

Bank of England

ENGLAND, AR

5,645 apps 3,672 originated 5.4% denied

Simmons Bank

PINE BLUFF, AR

5,087 apps 3,161 originated 24.0% denied

Centennial Bank

Conway, AR

4,878 apps 2,631 originated 17.7% denied

Bank Ozk

LITTLE ROCK, AR

4,543 apps 1,840 originated 34.5% denied

Arkansas Federal Credit Union

LITTLE ROCK, AR

4,140 apps 2,432 originated 22.0% denied
Compare Fidelity Bank vs Bank of England →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Fidelity Bank process?
Fidelity Bank processed 62 mortgage applications in the 2024 HMDA reporting year. Of these, 51 were originated (approved and funded), 4 were withdrawn by the applicant, and 7 were denied.
What is Fidelity Bank's mortgage approval rate?
Fidelity Bank has an approval (origination) rate of 82.3%, meaning 82.3% of all applications resulted in a funded mortgage. The denial rate is 11.3%.
What is the average loan amount at Fidelity Bank?
The average mortgage loan amount at Fidelity Bank is $132,258.
What types of mortgage loans does Fidelity Bank offer?
Fidelity Bank processes Conventional loans. The most common type is Conventional with 62 applications and an average loan amount of $132,258.
What loan purposes does Fidelity Bank serve?
Fidelity Bank serves the following loan purposes: Home Purchase (31 applications), Home Improvement (12 applications), Refinancing (8 applications), Cash-out Refinancing (6 applications), Other (5 applications). Home Purchase is the most common purpose.
Where is Fidelity Bank located?
Fidelity Bank is headquartered in West Memphis, AR. The lender is identified by LEI 549300GDAFL5HNJKDR03 in HMDA data.
How does Fidelity Bank compare in lending across racial demographics?
Fidelity Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 84.2% and denial rate of 15.8%; Black or African American applicants have an approval rate of 77.8% and denial rate of 0.0%; Asian applicants have an approval rate of 66.7% and denial rate of 33.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.