The Fidelity Bank mortgage approval rate & lending review
The Fidelity Bank decided 2,318 mortgage applications and funded 1,929 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Fidelity Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Fidelity Bank at a glance
Approval is 10.7 points above the 77.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 765 / 800 | 94% | $315K | 717 |
| Home improvement loans | 78% | 378 / 486 | 95% | $105K | 358 |
| Cash-out refinance | 89% | 141 / 159 | 90% | $205K | 127 |
| Refinance | 86% | 473 / 550 | 97% | $175K | 457 |
| Investment property purchase | 94% | 221 / 234 | 91% | $205K | 201 |
| Investment cash-out refinance | 85% | 41 / 48 | 90% | $135K | 37 |
| Investment refinance | 79% | 22 / 28 | 100% | $155K | 22 |
The Fidelity Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 89% | $195K | 2,239 | 1,867 |
| South Carolina | 88% | $275K | 78 | 61 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Fidelity Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wake County, NC | Refinance | 81% | 155 | 125 |
| Guilford County, NC | Mortgage lenders | 98% | 136 | 124 |
| Wake County, NC | Home improvement loans | 79% | 131 | 96 |
| Alamance County, NC | Mortgage lenders | 98% | 82 | 76 |
| Forsyth County, NC | Mortgage lenders | 97% | 78 | 73 |
| Davidson County, NC | Mortgage lenders | 95% | 78 | 71 |
| Randolph County, NC | Mortgage lenders | 94% | 69 | 60 |
| Moore County, NC | Mortgage lenders | 94% | 54 | 48 |
| Alamance County, NC | Refinance | 90% | 49 | 44 |
| Moore County, NC | Refinance | 81% | 54 | 40 |
| Randolph County, NC | Home improvement loans | 83% | 47 | 39 |
| Guilford County, NC | Home improvement loans | 70% | 47 | 32 |
The county markets where The Fidelity Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Fidelity Bank
What is The Fidelity Bank's mortgage approval rate?
The Fidelity Bank approved 88.5% of the 2,318 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 77.8% national rate for the same mix of loan types.
How often do borrowers take the loan The Fidelity Bank offers?
Borrowers accepted 94% of the loans The Fidelity Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Fidelity Bank make?
The typical home purchase mortgage loan The Fidelity Bank made was $315K; across all loan types its typical loan ran from $105K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Fidelity Bank lend?
The Fidelity Bank decided applications in 3 of the states Fat Boy Data covers, most of them in North Carolina, South Carolina and Virginia.
Can I apply to The Fidelity Bank directly?
Yes. The Fidelity Bank is a bank or credit union with 110 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Fidelity Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Fidelity Bank treats applications, then get a rate quote from the lender.