The Fidelity Bank in North Carolina vs the state
13.5%Denial rate-4.56 pts vs state
14.6%Decision denial rate-8.22 pts vs state
74.1%Origination rate+16.28 pts vs state
7.50%Median rate+1.00 pts vs state
0.30Rate spread (pts)+0.21 pts vs state
$124kMedian applicant income
1,081Loans originated
197Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,586 | 1,185 | 9.4% | 8.00% | #57 |
| 2024 | 1,449 | 1,072 | 13.7% | 8.25% | #61 |
| 2025 | 1,459 | 1,081 | 13.5% | 7.50% | #65 |
What The Fidelity Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most The Fidelity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 208 | 149 | 34 | 16.3% |
| Guilford County | 122 | 91 | 14 | 11.5% |
| Davidson County | 96 | 78 | 11 | 11.5% |
| Alamance County | 93 | 72 | 14 | 15.1% |
| Forsyth County | 87 | 68 | 10 | 11.5% |
| Chatham County | 87 | 67 | 7 | 8.0% |
| Moore County | 72 | 56 | 7 | 9.7% |
| Randolph County | 69 | 51 | 9 | 13.0% |
| Cleveland County | 62 | 48 | 5 | 8.1% |
| Harnett County | 44 | 32 | 6 | 13.6% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,459 applications in 2025, of which 1,081 were originated and 197 denied.
13.5% of all applications, or 14.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans The Fidelity Bank originated in North Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are The Fidelity Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology