The Fidelity Bank in Virginia vs the state
13.5%Denial rate-2.46 pts vs state
14.3%Decision denial rate-5.96 pts vs state
77.5%Origination rate+18.01 pts vs state
7.50%Median rate+0.88 pts vs state
0.49Rate spread (pts)+0.27 pts vs state
$107kMedian applicant income
69Loans originated
12Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 53 | 14.9% | 8.00% | #303 |
| 2024 | 76 | 63 | 9.2% | 8.00% | #311 |
| 2025 | 89 | 69 | 13.5% | 7.50% | #299 |
What The Fidelity Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most The Fidelity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 44 | 32 | 7 | 15.9% |
| Patrick County | 13 | 9 | 2 | 15.4% |
| Franklin County | 10 | 9 | 1 | 10.0% |
| Martinsville city | 7 | 6 | 1 | 14.3% |
| Mecklenburg County | 4 | 4 | 0 | 0.0% |
| Pittsylvania County | 4 | 3 | 0 | 0.0% |
| Roanoke city | 1 | 1 | 0 | 0.0% |
| Chesapeake city | 1 | 1 | 0 | 0.0% |
| Lynchburg city | 1 | 0 | 1 | 100.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 89 applications in 2025, of which 69 were originated and 12 denied.
13.5% of all applications, or 14.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans The Fidelity Bank originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are The Fidelity Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology