Lender profile · HMDA 2023–2025
The Fidelity Bank mortgage approval rates & lending data
The Fidelity Bank decided 2,318 mortgage applications and funded 1,929 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 765 / 800 | 94% | $315K | 717 |
| Home improvement loans | 78% | 378 / 486 | 95% | $105K | 358 |
| Cash-out refinance | 89% | 141 / 159 | 90% | $205K | 127 |
| Refinance | 86% | 473 / 550 | 97% | $175K | 457 |
| Investment property purchase | 94% | 221 / 234 | 91% | $205K | 201 |
| Investment cash-out refinance | 85% | 41 / 48 | 90% | $135K | 37 |
| Investment refinance | 79% | 22 / 28 | 100% | $155K | 22 |
The Fidelity Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 89% | $195K | 2,239 | 1,867 |
| South Carolina | 88% | $275K | 78 | 61 |
| Virginia | 100% | $535K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.