# The Fidelity Bank

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


> **📋 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


The Fidelity Bank is a bank, headquartered in Fuquay-Varina, NC, serving borrowers across 4 states, with 373 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 25490012KFFZI81TDT02
- **Headquarters:** Fuquay-Varina, NC
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** NC, SC, TN, VA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.330%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,684
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 373
- **Dollar Volume:** $115 million
- **Applications Received:** 465
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $307,332
- **Average Borrower Income:** $168,566
- **Average Property Value:** $445,429

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 324 | +0.319% | $1,646 | Sound ☺️ |
| FHA | 54/100 | 27 | +0.695% | $1,715 | Sound ☺️ |
| VA | 56/100 | 14 | -0.060% | $2,027 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 264 loans, Score: 57/100 (Sound)
- Refinance: 60 loans, Score: 56/100 (Sound)

**FHA:**
- Purchase: 23 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 307 | $100M | +0.343% | Sound ☺️ |
| Refinance | 54/100 | 66 | $14M | +0.269% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 331 | 0.22% | 76/100 |
| VA | 30 | 0.03% | 52/100 |
| SC | 11 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Greensboro | NC | 81 | 77/100 |
| Non |  | 79 | 52/100 |
| Winston | NC | 54 | 70/100 |
| Raleigh | NC | 31 | 57/100 |
| Burlington, NC | NC | 26 | 68/100 |
| Durham | NC | 26 | 59/100 |
| Charlotte | NC-SC | 17 | 48/100 |
| Pinehurst | NC | 16 | 56/100 |
| Fayetteville, NC | NC | 10 | 45/100 |

## Where This Lender Ranks

The Fidelity Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Burlington, NC Banks
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/banks)
- 🏆 **#5** in Burlington, NC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Pinehurst for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Greensboro for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Greensboro Banks
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks)
- 🏆 **#11** in Winston Banks
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks)
- 🏆 **#11** in Winston for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Durham Banks
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/banks)
- 🏆 **#11** in Burlington, NC
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders)
- 🏆 **#13** in Winston for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Greensboro for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in North Carolina Banks
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks)
- 🏆 **#18** in Burlington, NC for Conventional Loans
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Durham for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in North Carolina for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does The Fidelity Bank offer?

The Fidelity Bank 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 The Fidelity Bank offer mortgages?

The Fidelity Bank offers mortgages in 4 states: NC, SC, TN, VA.

### How competitive are The Fidelity Bank's mortgage rates?

The Fidelity Bank has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.330% above market average.

### What type of lender is The Fidelity Bank?

The Fidelity Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fuquay-Varina, NC.

### What is The Fidelity Bank's loan approval success rate?

The Fidelity Bank has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/the-fidelity-bank

### How to Cite

> "The Fidelity Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-fidelity-bank

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