Purchase Originations
334
Median Total Costs
$4,672
−30.1% vs national ($6,680)
↑ $336 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.063% vs prior year
Median Origination
$1,823
Median Lender Credits
$1,138
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 6.688% | $4,544 | $1,896 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 304 | 6.625% | $4,724 | #79 |
| Virginia | 21 | 6.625% | $4,095 | — |
| South Carolina | 9 | 6.625% | $4,795 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,444 | 6.500% | — | 7 | −$1,228 | |
| 2 | $3,986 | 6.750% | — | 5 | −$686 | |
| 3 | $3,993 | 6.625% | — | 7 | −$679 | |
| 4 | $4,105 | 6.625% | — | 9 | −$567 | |
| 5 | $4,119 | 7.125% | — | 5 | −$553 | |
| 6 | $4,255 | 7.375% | — | 5 | −$417 | |
| 7 | $4,258 | 6.375% | — | 5 | −$414 | |
| 8 | $4,390 | 6.688% | — | 22 | −$282 | |
| 9 | $4,446 | 6.562% | — | 6 | −$226 | |
| 10 | $4,525 | 6.750% | — | 18 | −$147 | |
| 11 | $4,643 | 6.875% | — | 23 | −$29 | |
| 12 | $4,701 | 6.500% | — | 18 | +$29 | |
| 13 | $4,706 | 6.750% | — | 17 | +$34 | |
| 14 | $4,734 | 6.625% | — | 8 | +$62 | |
| 15 | $4,786 | 6.625% | — | 18 | +$114 | |
| 16 | $5,062 | 6.625% | — | 36 | +$390 | |
| 17 | $5,205 | 6.625% | — | 24 | +$533 | |
| 18 | $5,337 | 6.875% | — | 22 | +$665 | |
| 19 | $6,203 | 6.500% | — | 13 | +$1,531 | |
| 20 | $6,766 | 6.625% | — | 5 | +$2,094 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Fidelity Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,672 | $7,127 | −$2,455 (−34.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.