The Fidelity Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
The Fidelity Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Fidelity Bank 100 S. Main Street Fuquay-Varina, NC 27526 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,667 |
| Total Mortgage Loan Application Amount | $310,945,000 |
| Average Mortgage Loan Application Amount | $167,800 |
| Highest Mortgage Loan Application Amount | $9,165,000 |
| Average Applicant Income | $111,600 |
| Highest Applicant Income | $1,455,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with The Fidelity Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Fidelity Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down The Fidelity Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Fidelity Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Fidelity Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Fidelity Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake County North Carolina | 316 | $ 61,330,000 | $ 194,000 | $ 145,000 |
| Moore County North Carolina | 123 | $ 23,305,000 | $ 189,000 | $ 110,000 |
| Guilford County North Carolina | 110 | $ 26,140,000 | $ 237,000 | $ 107,000 |
| Cleveland County North Carolina | 95 | $ 14,805,000 | $ 155,000 | $ 111,000 |
| Forsyth County North Carolina | 86 | $ 14,900,000 | $ 173,000 | $ 117,000 |
| Randolph County North Carolina | 74 | $ 8,820,000 | $ 119,000 | $ 81,000 |
| Davidson County North Carolina | 72 | $ 8,660,000 | $ 120,000 | $ 69,000 |
| Durham County North Carolina | 71 | $ 17,225,000 | $ 242,000 | $ 138,000 |
| Alamance County North Carolina | 69 | $ 9,875,000 | $ 143,000 | $ 95,000 |
| Chatham County North Carolina | 60 | $ 11,590,000 | $ 193,000 | $ 120,000 |
| Montgomery County North Carolina | 52 | $ 4,860,000 | $ 93,000 | $ 72,000 |
| Henry County Virginia | 48 | $ 7,020,000 | $ 146,000 | $ 71,000 |
| Granville County North Carolina | 40 | $ 5,700,000 | $ 142,000 | $ 81,000 |
| Harnett County North Carolina | 40 | $ 6,520,000 | $ 163,000 | $ 81,000 |
| Richmond County North Carolina | 33 | $ 2,935,000 | $ 88,000 | $ 87,000 |
| Orange County North Carolina | 31 | $ 6,365,000 | $ 205,000 | $ 193,000 |
| Rockingham County North Carolina | 27 | $ 3,465,000 | $ 128,000 | $ 85,000 |
| Gaston County North Carolina | 21 | $ 2,525,000 | $ 120,000 | $ 95,000 |
| Hoke County North Carolina | 18 | $ 1,720,000 | $ 95,000 | $ 110,000 |
| Iredell County North Carolina | 18 | $ 3,980,000 | $ 221,000 | $ 134,000 |
| Rowan County North Carolina | 18 | $ 3,350,000 | $ 186,000 | $ 85,000 |
| Lee County North Carolina | 17 | $ 2,315,000 | $ 136,000 | $ 96,000 |
| Cumberland County North Carolina | 14 | $ 3,110,000 | $ 222,000 | $ 88,000 |
| Mecklenburg County North Carolina | 14 | $ 3,200,000 | $ 228,000 | $ 345,000 |
| Martinsville County Virginia | 14 | $ 1,280,000 | $ 91,000 | $ 44,000 |
| Person County North Carolina | 13 | $ 1,755,000 | $ 135,000 | $ 82,000 |
| Carteret County North Carolina | 11 | $ 3,165,000 | $ 287,000 | $ 326,000 |
| Caswell County North Carolina | 11 | $ 785,000 | $ 71,000 | $ 75,000 |
| Brunswick County North Carolina | 10 | $ 3,440,000 | $ 344,000 | $ 147,000 |
| Davie County North Carolina | 8 | $ 2,240,000 | $ 280,000 | $ 70,000 |
| Johnston County North Carolina | 8 | $ 1,530,000 | $ 191,000 | $ 165,000 |
| Watauga County North Carolina | 8 | $ 1,770,000 | $ 221,000 | $ 232,000 |
| Franklin County North Carolina | 6 | $ 1,190,000 | $ 198,000 | $ 91,000 |
| Robeson County North Carolina | 6 | $ 590,000 | $ 98,000 | $ 87,000 |
| Vance County North Carolina | 6 | $ 1,400,000 | $ 233,000 | $ 183,000 |
| Cabarrus County North Carolina | 5 | $ 2,355,000 | $ 471,000 | $ 230,000 |
| York County South Carolina | 5 | $ 1,795,000 | $ 359,000 | $ 236,000 |
| New Hanover County North Carolina | 4 | $ 1,190,000 | $ 297,000 | $ 245,000 |
| Sampson County North Carolina | 4 | $ 360,000 | $ 90,000 | $ 402,000 |
| Warren County North Carolina | 4 | $ 1,600,000 | $ 400,000 | $ 167,000 |
| Yadkin County North Carolina | 4 | $ 570,000 | $ 142,000 | $ 77,000 |
| Horry County South Carolina | 4 | $ 720,000 | $ 180,000 | $ 181,000 |
| Franklin County Virginia | 4 | $ 860,000 | $ 215,000 | $ 78,000 |
| Roanoke County Virginia | 4 | $ 820,000 | $ 205,000 | $ 107,000 |
| Lincoln County North Carolina | 3 | $ 425,000 | $ 141,000 | $ 81,000 |
| Buncombe County North Carolina | 2 | $ 3,260,000 | $ 1,630,000 | $ 0 |
| Northampton County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 163,000 |
| Pitt County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 85,000 |
| Scotland County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 62,000 |
| Stokes County North Carolina | 2 | $ 630,000 | $ 315,000 | $ 79,000 |
| Patrick County Virginia | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| Avery County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Burke County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Caldwell County North Carolina | 1 | $ 1,285,000 | $ 1,285,000 | $ 943,000 |
| Catawba County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Dare County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Macon County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 129,000 |
| Nash County North Carolina | 1 | $ 3,055,000 | $ 3,055,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pender County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 354,000 |
| Rutherford County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Stanly County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Wilkes County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 696,000 |
| Marlboro County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Carter County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 281,000 |
| Sumner County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Williamson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Bedford County Virginia | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Floyd County Virginia | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Halifax County Virginia | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| James City County Virginia | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Lynchburg County Virginia | 1 | $ 195,000 | $ 195,000 | $ 260,000 |
| Pulaski County Virginia | 1 | $ 155,000 | $ 155,000 | $ 131,000 |
| Roanoke City County Virginia | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for The Fidelity Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 566 | $149,310,000 | $263,000 | $9,165,000 | $109,000 | $1,455,000 |
| Refinancing | 385 | $80,795,000 | $209,000 | $3,055,000 | $132,000 | $1,055,000 |
| Other Purpose | 363 | $35,075,000 | $96,000 | $485,000 | $129,000 | $829,000 |
| Home Improvement | 203 | $18,985,000 | $93,000 | $1,735,000 | $105,000 | $874,000 |
| Cash-out Refinancing | 150 | $26,780,000 | $178,000 | $485,000 | $83,000 | $357,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,389 | $224,555,000 | $161,000 | $1,285,000 | $117,000 | $1,455,000 |
| Not applicable | 105 | $59,025,000 | $562,000 | $9,165,000 | $0 | $0 |
| Black or African American | 67 | $8,245,000 | $123,000 | $425,000 | $83,000 | $679,000 |
| Hispanic | 37 | $5,465,000 | $147,000 | $1,205,000 | $76,000 | $500,000 |
| Asian | 27 | $5,195,000 | $192,000 | $505,000 | $122,000 | $983,000 |
| Not Provided | 25 | $5,745,000 | $229,000 | $765,000 | $154,000 | $942,000 |
| American Indian or Alaskan Native | 5 | $755,000 | $151,000 | $255,000 | $71,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $235,000 | $235,000 | $235,000 | $149,000 | $149,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,559 | $289,525,000 | $185,000 | $9,165,000 | $120,000 | $1,455,000 |
| FHA-insured (Federal Housing Administration) | 44 | $7,640,000 | $173,000 | $415,000 | $60,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 38 | $9,520,000 | $250,000 | $515,000 | $78,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $4,260,000 | $163,000 | $355,000 | $49,000 | $80,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,126 | $196,490,000 | $174,000 | $1,935,000 | $125,000 | $1,455,000 |
| Application Denied By Financial Institution | 247 | $39,405,000 | $159,000 | $9,165,000 | $76,000 | $983,000 |
| Application Withdrawn By Applicant | 230 | $52,650,000 | $228,000 | $3,055,000 | $105,000 | $642,000 |
| Application Approved But Not Accepted | 38 | $16,080,000 | $423,000 | $9,165,000 | $191,000 | $767,000 |
| Preapproval Approved but not Accepted | 13 | $3,565,000 | $274,000 | $485,000 | $100,000 | $298,000 |
| Preapproval Denied by Financial Institution | 7 | $955,000 | $136,000 | $205,000 | $42,000 | $65,000 |
| File Closed For Incompleteness | 6 | $1,800,000 | $300,000 | $1,155,000 | $62,000 | $100,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,413 | $270,585,000 | $191,000 | $9,165,000 | $123,000 | $1,455,000 |
| Debt-To-Income Ratio | 134 | $19,310,000 | $144,000 | $1,205,000 | $74,000 | $983,000 |
| Credit History | 58 | $4,180,000 | $72,000 | $485,000 | $62,000 | $358,000 |
| Collateral | 35 | $3,395,000 | $97,000 | $555,000 | $89,000 | $461,000 |
| Credit Application Incomplete | 16 | $11,100,000 | $693,000 | $9,165,000 | $72,000 | $298,000 |
| Other | 4 | $610,000 | $152,000 | $265,000 | $125,000 | $335,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $355,000 | $118,000 | $185,000 | $47,000 | $69,000 |
| Unverifiable Information | 2 | $1,070,000 | $535,000 | $825,000 | $224,000 | $224,000 |
| Employment History | 2 | $340,000 | $170,000 | $255,000 | $79,000 | $124,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Fidelity Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Fidelity Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.