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 score and performance metrics.

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 an overall pricing score of 51.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Fidelity Bank?

The Fidelity Bank is a Bank headquartered in Fuquay-Varina, NC.

Unclaimed

The Fidelity Bank

Bank•Fuquay-Varina, NC•Direct to Consumer

The Fidelity Bank has 373 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Strong

closing strength

Products

Sound

FHA · Conventional · VA

Place

Sound

Regional · 8 mkts

Safe Rate Awards⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Strong pull through performance

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Report Card

The Fidelity Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +33.0 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
VA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Regional9 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	324	86.9%	+0.319%Above	$1,646Fees
FHA Loans	Sound	Sound	Sound	Strong	27	7.2%	+0.695%Above	$1,715Fees
VA Loans	Sound	Sound	—	—	14	3.8%	-0.060%Below	$2,027Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	307	82.3%	+0.343%Above	$1,665Fees
Refinance	Strong	Sound	Strong	Strong	66	17.7%	+0.269%Above	$1,773Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

373

Applications

465

Volume

$114 million

Pricing & Closing

Avg Rate Spread

+0.330%

vs. market APOR

Avg Net Fees

$1,684

Origination − Credits

Pullthrough Rate

80.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$307,332

Avg Borrower Income

$168,566

Avg Property Value

$445,429

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

NCSCTNVA

Top Metro Areas by Place Specialization Score

Greensboro, NCMSA

Volume: 81Mix: 21.72%of portfolio

Place

Strong

Winston, NCMSA

Volume: 54Mix: 14.48%of portfolio

Place

Strong

Burlington, NC, NCMSA

Volume: 26Mix: 6.97%of portfolio

Place

Strong

Durham, NCMSA

Volume: 26Mix: 6.97%of portfolio

Place

Sound

Raleigh, NCMSA

Volume: 31Mix: 8.31%of portfolio

Place

Sound

Pinehurst, NCMSA

Volume: 16Mix: 4.29%of portfolio

Place

Sound

Charlotte, NC-SCMSA

Volume: 17Mix: 4.56%of portfolio

Place

Sound

Fayetteville, NC, NCMSA

Volume: 10Mix: 2.68%of portfolio

Place

Sound

Top States by Place Specialization Score

NCState

Volume: 331Mix: 88.74%of portfolio

Place

Strong

VAState

Volume: 30Mix: 8.04%of portfolio

Place

Sound

SCState

Volume: 11Mix: 2.95%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.