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The Fidelity Bank

Bank•Fuquay-Varina, NCHQ•Direct•Reviews near you on Google

The Fidelity Bank has 373 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Sound
3/5
Regional · 8 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

The Fidelity Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+33.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume324
Mix86.9%
Spread
+0.319%Above
Fees
$1,646Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume27
Mix7.2%
Spread
+0.695%Above
Fees
$1,715Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume14
Mix3.8%
Spread
-0.060%Below
Fees
$2,027Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume307
Mix82.3%
Spread
+0.343%Above
Fees
$1,665Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume66
Mix17.7%
Spread
+0.269%Above
Fees
$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
8
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South4
NCSCTNVA

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cullowhee, NC, United States · CC0
Greensboro, NCMetro
Volume 81Mix 21.72% of portfolio
77/100
Strong
2© DiscoA340 · CC BY-SA 4.0
Winston, NCMetro
Volume 54Mix 14.48% of portfolio
70/100
Strong
3© Boston Public Library · CC BY 2.0
Burlington, NCMetro
Volume 26Mix 6.97% of portfolio
68/100
Strong
4© Atlpedia · CC BY-SA 3.0
Durham, NCMetro
Volume 26Mix 6.97% of portfolio
59/100
Sound
5© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 31Mix 8.31% of portfolio
57/100
Sound
6© Pryor Emerson Humphrey · No restrictions
Pinehurst, NCMetro
Volume 16Mix 4.29% of portfolio
56/100
Sound
7© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 17Mix 4.56% of portfolio
48/100
Sound
8© Brandonrush · CC BY-SA 3.0
Fayetteville, NCMetro
Volume 10Mix 2.68% of portfolio
45/100
Sound

Top States by Place Specialization Score

North Carolina
North Carolina
1
North CarolinaState
Volume 331Mix 88.74% of portfolio
76/100
Strong
Virginia
Virginia
2
VirginiaState
Volume 30Mix 8.04% of portfolio
52/100
Sound
South Carolina
South Carolina
3
South CarolinaState
Volume 11Mix 2.95% of portfolio
40/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.