Applications / Mortgage Analytics / Lenders / North Carolina / The Fidelity Bank
Fuquay Varina, NC · State non-member bank · FDIC · $4.4 billion assets · 1,177 loans in 2025
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1,177
loans originated, 2025
1,590
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Fidelity Bank is a North Carolina state non-member bank whose 1,177 loans in 2025 were close to its 2024 count, while its share rose in Raleigh-Cary, Greensboro-High Point and Winston-Salem.
Its originations rose 1%, against 10% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, slower than about three in four of them. Dollar volume rose to $343.6 million from $280.5 million, as the typical loan rose to $205,000 from $175,000 and jumbo loans (larger than the conforming limit) rose to 4.6% from 0.7%. Its count peaked at 1,863 in 2021.
Its share rose to 0.5% from 0.4% in Raleigh-Cary (48 of 638 lenders), and to 1.1% from 0.9% in both Greensboro-High Point (25 of 469) and Winston-Salem (22 of 465). It has lent in all three since before 1990. State Employees' Credit Union ranks first or second in each.
Low- and moderate-income (LMI) borrowers took 20.9% of its loans, against 27.3% at similar lenders, lower than about three in four. Its share in LMI areas, 15.5%, is near the middle, and its 11.8% in majority-minority areas higher than about two in three. Its rise in larger loans and the borrowers in the markets it serves are possible reasons for the lower LMI borrower share.
On first-lien owner-occupied applications it turned down 3.3% of home-purchase applications, against 5.9% at similar lenders, and 11.6% of refinance applications, against 15.5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Fidelity Bank took 1,590 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.7% · Refinance 27.6% · Other 22.4% · Home improvement 12.2%
Conventional 96.7% · VA 1.6% · FHA 1.5% · USDA (RHS or FSA) 0.2% · of 1,177 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 1,081 | 91.8% |
| Virginia | 69 | 5.9% |
| South Carolina | 27 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 177 |
| Greensboro-High Point | 168 |
| Winston-Salem | 164 |
| Durham-Chapel Hill | 118 |
| Burlington | 72 |
| Charlotte-Concord-Gastonia | 69 |
| Pinehurst-Southern Pines | 56 |
| Fayetteville | 29 |
| Wilmington | 19 |
| Greenville-Anderson-Greer | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490012KFFZI81TDT02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 584920 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311507 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 9584920 | 2011–2012 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Fidelity Bank's data.
The Fidelity Bank's data
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The Fidelity Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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