Lender in North Carolina · HMDA 2025
The Fidelity Bank mortgages in North Carolina
The Fidelity Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
The Fidelity Bank originated 375 owner-occupied single-family loans in North Carolina from 421 completed applications.
Its median conventional purchase loan costs were $4,600 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.75% (North Carolina: 6.50%).
Loans in NC
375
of 421 applications
Denial rate
2.2%
Purchase · NC 7.6%
Rate spread
+0.29 pts
Conv. · NC +0.04 pts
Loan amount
$325,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 319 | 293 | 2.2% | 6.750% | +0.29 pts | $4,600 | $325,000 |
| Refinance | 31 | 25 | 9.7% | — | +0.15 pts | $3,890 | $285,000 |
| Cash-out refinance | 71 | 57 | 8.5% | 6.875% | +0.43 pts | $4,170 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where The Fidelity Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Caswell County | 5 | 6 | 3.7% |
| Montgomery County | 10 | 5 | 1.9% |
| Chatham County | 14 | 22 | 1.7% |
| Richmond County | 14 | 5 | 1.5% |
| Rockingham County | 15 | 19 | 1.4% |
| Randolph County | 17 | 24 | 1.3% |
| Lee County | 18 | 12 | 1.1% |
| Vance County | 22 | 3 | 1.0% |
| Davidson County | 23 | 27 | 1.0% |
| Moore County | 25 | 18 | 0.8% |
| Stokes County | 25 | 5 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology