The Fidelity Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
The Fidelity Bank 2021 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 | 2,553 |
| Total Mortgage Loan Application Amount | $588,025,000 |
| Average Mortgage Loan Application Amount | $204,400 |
| Highest Mortgage Loan Application Amount | $13,525,000 |
| Average Applicant Income | $133,600 |
| Highest Applicant Income | $1,524,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 522 | $ 128,050,000 | $ 245,000 | $ 159,000 |
| Guilford County North Carolina | 135 | $ 27,265,000 | $ 201,000 | $ 110,000 |
| Randolph County North Carolina | 129 | $ 20,025,000 | $ 155,000 | $ 84,000 |
| Davidson County North Carolina | 128 | $ 23,100,000 | $ 180,000 | $ 82,000 |
| Cleveland County North Carolina | 127 | $ 26,745,000 | $ 210,000 | $ 130,000 |
| Moore County North Carolina | 127 | $ 27,605,000 | $ 217,000 | $ 147,000 |
| Alamance County North Carolina | 125 | $ 24,925,000 | $ 199,000 | $ 100,000 |
| Forsyth County North Carolina | 102 | $ 21,660,000 | $ 212,000 | $ 113,000 |
| Henry County Virginia | 98 | $ 14,650,000 | $ 149,000 | $ 81,000 |
| Chatham County North Carolina | 97 | $ 21,805,000 | $ 224,000 | $ 140,000 |
| Durham County North Carolina | 74 | $ 23,520,000 | $ 317,000 | $ 135,000 |
| Montgomery County North Carolina | 66 | $ 13,170,000 | $ 199,000 | $ 134,000 |
| Gaston County North Carolina | 65 | $ 14,935,000 | $ 229,000 | $ 111,000 |
| Harnett County North Carolina | 55 | $ 9,155,000 | $ 166,000 | $ 131,000 |
| Rockingham County North Carolina | 49 | $ 9,745,000 | $ 198,000 | $ 73,000 |
| Orange County North Carolina | 45 | $ 14,315,000 | $ 318,000 | $ 194,000 |
| Richmond County North Carolina | 42 | $ 6,390,000 | $ 152,000 | $ 96,000 |
| Cumberland County North Carolina | 35 | $ 7,955,000 | $ 227,000 | $ 131,000 |
| Johnston County North Carolina | 35 | $ 20,195,000 | $ 577,000 | $ 100,000 |
| Rowan County North Carolina | 34 | $ 5,760,000 | $ 169,000 | $ 98,000 |
| Iredell County North Carolina | 27 | $ 10,835,000 | $ 401,000 | $ 197,000 |
| Lee County North Carolina | 26 | $ 5,020,000 | $ 193,000 | $ 114,000 |
| Mecklenburg County North Carolina | 26 | $ 17,760,000 | $ 683,000 | $ 297,000 |
| Granville County North Carolina | 25 | $ 5,085,000 | $ 203,000 | $ 93,000 |
| Person County North Carolina | 25 | $ 4,345,000 | $ 173,000 | $ 268,000 |
| Brunswick County North Carolina | 19 | $ 8,105,000 | $ 426,000 | $ 122,000 |
| Franklin County North Carolina | 19 | $ 3,795,000 | $ 199,000 | $ 92,000 |
| Franklin County Virginia | 19 | $ 3,555,000 | $ 187,000 | $ 140,000 |
| Davie County North Carolina | 17 | $ 4,575,000 | $ 269,000 | $ 156,000 |
| Lincoln County North Carolina | 17 | $ 4,385,000 | $ 257,000 | $ 132,000 |
| Carteret County North Carolina | 16 | $ 7,500,000 | $ 468,000 | $ 240,000 |
| Caswell County North Carolina | 14 | $ 2,070,000 | $ 147,000 | $ 44,000 |
| Hoke County North Carolina | 13 | $ 1,985,000 | $ 152,000 | $ 80,000 |
| Horry County South Carolina | 12 | $ 2,230,000 | $ 185,000 | $ 169,000 |
| Martinsville County Virginia | 12 | $ 1,030,000 | $ 85,000 | $ 50,000 |
| New Hanover County North Carolina | 11 | $ 3,055,000 | $ 277,000 | $ 166,000 |
| Vance County North Carolina | 11 | $ 1,755,000 | $ 159,000 | $ 87,000 |
| Cabarrus County North Carolina | 10 | $ 2,820,000 | $ 282,000 | $ 187,000 |
| Rutherford County North Carolina | 10 | $ 3,080,000 | $ 308,000 | $ 249,000 |
| Robeson County North Carolina | 9 | $ 1,115,000 | $ 123,000 | $ 111,000 |
| Watauga County North Carolina | 8 | $ 2,590,000 | $ 323,000 | $ 180,000 |
| Catawba County North Carolina | 6 | $ 1,740,000 | $ 290,000 | $ 69,000 |
| Mecklenburg County Virginia | 6 | $ 1,680,000 | $ 280,000 | $ 129,000 |
| Onslow County North Carolina | 5 | $ 2,095,000 | $ 419,000 | $ 299,000 |
| Warren County North Carolina | 5 | $ 1,475,000 | $ 295,000 | $ 173,000 |
| Charleston County South Carolina | 5 | $ 1,825,000 | $ 365,000 | $ 226,000 |
| Pittsylvania County Virginia | 5 | $ 715,000 | $ 143,000 | $ 54,000 |
| Ashe County North Carolina | 3 | $ 295,000 | $ 98,000 | $ 148,000 |
| Buncombe County North Carolina | 3 | $ 485,000 | $ 161,000 | $ 60,000 |
| Stanly County North Carolina | 3 | $ 685,000 | $ 228,000 | $ 102,000 |
| Stokes County North Carolina | 3 | $ 1,045,000 | $ 348,000 | $ 93,000 |
| Danville County Virginia | 3 | $ 965,000 | $ 321,000 | $ 182,000 |
| Patrick County Virginia | 3 | $ 665,000 | $ 221,000 | $ 63,000 |
| Roanoke County Virginia | 3 | $ 545,000 | $ 181,000 | $ 159,000 |
| Washington County Virginia | 3 | $ 265,000 | $ 88,000 | $ 54,000 |
| Beaufort County North Carolina | 2 | $ 710,000 | $ 355,000 | $ 161,000 |
| Burke County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 47,000 |
| Dare County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 337,000 |
| Halifax County North Carolina | 2 | $ 570,000 | $ 285,000 | $ 217,000 |
| Haywood County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 92,000 |
| Henderson County North Carolina | 2 | $ 520,000 | $ 260,000 | $ 55,000 |
| Hyde County North Carolina | 2 | $ 560,000 | $ 280,000 | $ 260,000 |
| Jackson County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 283,000 |
| Nash County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 68,000 |
| Pender County North Carolina | 2 | $ 1,250,000 | $ 625,000 | $ 313,000 |
| Pitt County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 166,000 |
| Sampson County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 196,000 |
| Union County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 186,000 |
| Wilson County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 97,000 |
| Yadkin County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 236,000 |
| Greenville County South Carolina | 2 | $ 880,000 | $ 440,000 | $ 114,000 |
| York County South Carolina | 2 | $ 500,000 | $ 250,000 | $ 348,000 |
| Henrico County Virginia | 2 | $ 480,000 | $ 240,000 | $ 226,000 |
| Alexander County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Alleghany County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Avery County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Bladen County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Columbus County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 43,000 |
| Craven County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Duplin County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hertford County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Lenoir County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| McDowell County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 481,000 |
| Pamlico County North Carolina | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Surry County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Wayne County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Cherokee County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Spartanburg County South Carolina | 1 | $ 505,000 | $ 505,000 | $ 238,000 |
| Montgomery County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Bedford County Virginia | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| Carroll County Virginia | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Chesapeake County Virginia | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Fauquier County Virginia | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Roanoke City County Virginia | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for The Fidelity Bank in 2021
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 | 806 | $263,830,000 | $327,000 | $13,525,000 | $117,000 | $1,524,000 |
| Refinancing | 726 | $162,300,000 | $223,000 | $1,455,000 | $125,000 | $1,135,000 |
| Cash-out Refinancing | 348 | $76,610,000 | $220,000 | $1,505,000 | $112,000 | $986,000 |
| Home Improvement | 346 | $46,820,000 | $135,000 | $1,455,000 | $162,000 | $925,000 |
| Other Purpose | 327 | $38,465,000 | $117,000 | $605,000 | $152,000 | $1,293,000 |
| 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 | 2,055 | $428,085,000 | $208,000 | $3,455,000 | $130,000 | $1,524,000 |
| Not applicable | 150 | $81,930,000 | $546,000 | $13,525,000 | $0 | $0 |
| Black or African American | 125 | $22,325,000 | $178,000 | $595,000 | $87,000 | $460,000 |
| Not Provided | 80 | $20,880,000 | $261,000 | $1,255,000 | $160,000 | $855,000 |
| Hispanic | 64 | $12,400,000 | $193,000 | $655,000 | $106,000 | $556,000 |
| Asian | 57 | $17,415,000 | $305,000 | $1,955,000 | $201,000 | $1,135,000 |
| American Indian or Alaskan Native | 7 | $1,755,000 | $250,000 | $855,000 | $81,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,453 | $566,445,000 | $230,000 | $13,525,000 | $133,000 | $1,524,000 |
| FHA-insured (Federal Housing Administration) | 45 | $9,295,000 | $206,000 | $365,000 | $62,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $5,435,000 | $175,000 | $295,000 | $46,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 24 | $6,850,000 | $285,000 | $575,000 | $89,000 | $186,000 |
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 | 1,863 | $402,605,000 | $216,000 | $3,455,000 | $135,000 | $1,293,000 |
| Application Withdrawn By Applicant | 290 | $71,630,000 | $247,000 | $2,085,000 | $135,000 | $1,524,000 |
| Application Denied By Financial Institution | 227 | $63,105,000 | $277,000 | $13,525,000 | $84,000 | $550,000 |
| Application Approved But Not Accepted | 82 | $16,110,000 | $196,000 | $965,000 | $105,000 | $461,000 |
| Preapproval Approved but not Accepted | 48 | $22,110,000 | $460,000 | $1,655,000 | $137,000 | $632,000 |
| File Closed For Incompleteness | 33 | $8,365,000 | $253,000 | $965,000 | $164,000 | $628,000 |
| Preapproval Denied by Financial Institution | 10 | $4,100,000 | $410,000 | $1,135,000 | $105,000 | $342,000 |
| 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 | 2,316 | $520,820,000 | $224,000 | $3,455,000 | $134,000 | $1,524,000 |
| Debt-To-Income Ratio | 129 | $35,855,000 | $277,000 | $8,045,000 | $66,000 | $330,000 |
| Credit History | 47 | $6,505,000 | $138,000 | $385,000 | $81,000 | $300,000 |
| Collateral | 30 | $4,300,000 | $143,000 | $465,000 | $128,000 | $550,000 |
| Credit Application Incomplete | 8 | $1,390,000 | $173,000 | $605,000 | $153,000 | $305,000 |
| Other | 7 | $995,000 | $142,000 | $215,000 | $69,000 | $172,000 |
| Unverifiable Information | 7 | $1,945,000 | $277,000 | $545,000 | $160,000 | $300,000 |
| Employment History | 5 | $15,595,000 | $3,119,000 | $13,525,000 | $180,000 | $342,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $620,000 | $155,000 | $215,000 | $41,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Fidelity Bank's 2021 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.