I came to Fidelity Funding for help at a difficult time for me and my family and really needed a company that understood our needs and would give us the best options possible for our situation. Carolyn Chu and her very knowledgeable and professional staff walked us through our options and advised us not as if we were customers but as people they really cared about. The best decision we made during that period was the decision to contact Fidelity Funding and to seek help from Carolyn and her friendly professional staff. Can’t recommend them enough.
A premier mortgage banker
Fidelity Funding Bancorp has helped homeowners buy and refinance for more than 25 years, with the service of a local lender and the reach of a nationwide direct lender.


Our story
Founded by Carolyn Chu and headquartered in Pasadena, California, Fidelity Funding Bancorp is the DBA of Chu & Associates, Inc. We built our business on a simple idea: treat every borrower the way you would want your own family treated.
That means clear answers, honest pricing and loan officers who pick up the phone. It also means promises in writing, from our Best Rate Guarantee to our Appraisal Refund.
Our promises

Stress-Free Process
Our loan officers will even fill out the loan application for you, then guide you through every document and deadline.

Relock Policy
If rates drop while your loan is in process, we reduce your rate to the lowest prevailing rate at no cost to you.

Appraisal Refund
When you close with us, we refund your total appraisal fee regardless of the appraised value.

Best Rate Guarantee
Show us a better rate or lower closing costs from a competitor. We will match or beat it and give you an extra $1,000.
Client stories
Proudly serving more than 100,000+ satisfied customers
Straight from the clients who have closed with Fidelity Funding.
I had so many questions going into this process and never once felt like I was bothering anyone. Everything was explained in a way I could actually understand, and I always knew what was coming next. That made a huge difference for me.
I've worked with lenders before and the biggest frustration was always getting someone to call me back. This experience felt completely different. Quick responses, clear answers, and no wondering where things stood.
We went into this feeling overwhelmed by the whole mortgage process. By the time we got to closing, we actually felt confident about what we were signing. That peace of mind meant everything.
I expected refinancing to be a major headache. Instead, the process was organized, the communication was consistent, and every question I had was answered without making me feel rushed.
What stood out most was the patience. I needed someone who would take the time to walk me through my options instead of pushing me toward a quick decision. That's exactly the kind of experience I was hoping for.
I closed a refinance on my home with Fidelity Funding in 2020. They made it a very simple process, helping me every step of the way. It was nerve wracking to make a big financial move in the middle of the pandemic, but they made it as stress free as possible. I was able to save over $300 on my mortgage payment. From the beginning they were very upfront and delivered on what was promised. I would recommend Fidelity Funding to any of my friends. They are great.
Being self-employed can make financing feel complicated. I appreciated having someone take the time to understand how my income works and explain what documentation would be needed. It felt like an actual conversation, not just an application.
Buying my first house was exciting and terrifying at the same time. Having someone who was approachable, knowledgeable, and willing to explain the little things made the whole experience so much better.
No unnecessary runaround. I appreciated the straightforward communication and the fact that expectations were clearly explained from the beginning. A very professional experience.
I never felt like I was being given a one-size-fits-all answer. They listened to what I was trying to accomplish and helped me understand the different directions I could take.
I probably asked more questions than the average person, but every call was handled with patience. It's a big financial decision and I appreciated not feeling pressured to rush through it.
This mortgage company is one of the best that I have ever worked with in 20 years. They have completed two refinances that were complicated, but their team stayed on task everyday with excellent communication and results. They are extremely dedicated, honest and demonstrate a talent to quickly problem solve to make the process seamlessly easy! The best part is that, from the very beginning, they had a solid game plan to save me money and still accomplish our goal in record time!
There are so many moving parts when you're buying a house. I loved how organized everything felt and how easy it was to understand what needed to happen next. Closing day was a really special moment for our family.
The best part was getting answers that actually made sense. They were able to break down terms and explain the numbers without making the conversation unnecessarily complicated.
It's amazing how much less stressful a process becomes when people communicate. I didn't have to chase down updates or wonder if my paperwork had been received. That level of organization really stood out.
I wasn't sure whether refinancing made sense for my situation. Rather than feeling pushed into anything, I felt like I had room to ask questions and understand the tradeoffs before making a decision.
I have done several mortgage loans with Fidelity and have always been happy with the rate and the closing process. Put your trust in Carolyn, she always knows the best deal at the best rate. You can’t go wrong.
As someone who knew almost nothing about mortgages, I was nervous about asking basic questions. They made the whole process approachable. I learned a lot and felt much more prepared to become a homeowner.
From the first conversation, I knew what documents were needed and what the next steps would be. That kind of clarity matters when you're juggling work, family, and a home purchase.
It never felt like I was just another file on someone's desk. They remembered the details of my situation and made an effort to keep things moving. I really appreciated the personal attention.
Helpful, professional, and responsive. I appreciated having everything explained before making decisions. The entire experience felt well managed.
Very convenient process to close. Staff were very helpful. If you need any thing they will reach out any time.
My husband and I had no idea how much went into purchasing a home. The guidance we received made everything easier to navigate, especially during those moments when we weren't sure what came next.
I was comparing options and wanted honest explanations rather than a sales pitch. I appreciated being able to talk through the details and make my own decision without feeling rushed.
When you're under contract, waiting on answers can be stressful. Having someone available to explain what was happening made a huge difference. The communication was one of the strongest parts of the experience.
I run my own business and knew my mortgage application wouldn't be as straightforward as someone with a regular paycheck. I appreciated the clear explanations and help understanding what lenders would need to review.
Spoke with Carolyn at Fidelity Funding on a monday, she offered me my new rate and term on tuesday, I sent my documents in and she had the appraiser at my place on friday. 3 weeks later i signed my loan docs. It took 31 days from start to finish. My bank previously took 60-90 days and there was always something more they would ask me for. Fidelity updated me by email and a phone call at least once a week. Its amazing when a person or company (in this case both) wants to get things done smoothly and quickly how easy it really can be. No reason to go anywhere else.
There were moments when I felt completely overwhelmed by all the numbers and documents. Every time I reached out, someone took the time to explain things. That reassurance was invaluable.
The process moved along in an organized way, but I never felt pressured to make a decision before I understood it. That's a balance I really appreciated.
It's rare to find people who can explain financial topics without making them intimidating. I felt comfortable asking questions and walked away with a much better understanding of my options.
Buying a home is one of the biggest financial commitments you'll make. I appreciated the professionalism and attention to detail throughout the process. It made a complicated decision feel manageable.
Carolyn is such a precision in mortgage that it’s efficient, most effective aka the best rate and fee and professional. Don’t even waste your time Anywhere else.
I had several questions about the numbers and what refinancing would mean over the long term. Nothing was brushed aside. Everything was explained carefully so I could weigh my options.
What I liked most was that the conversations felt personal. They took the time to understand my goals instead of immediately jumping into paperwork. That approach made a lasting impression.
I expected the mortgage process to be confusing, but it was much easier to follow than I imagined. I always felt comfortable reaching out, and having clear next steps helped me stay organized.
Professional, approachable, and genuinely helpful. There are a lot of companies that promise great service, but what matters is how people treat you during the process. That personal attention is what I remember most.
Testimonials
I refer all my clients to Fidelity Funding and I trust their work so much that I have obtained all my own loans through them as well. They do an exhaustive search to get you the best rate and find the best mortgage program available. Their ability to structure solutions and find advantageous financing sets them apart.
My husband and I had a wonderful experience working with Carolyn in refinancing our home mortgage. From beginning to end, she was informative, extremely thorough and attentive to our financial needs, thus making sure that we were getting the best deal possible. This is our second experience working with Carolyn and we would highly recommend her and her company to anyone.
My fiancé and I purchased our first home last year and going in we didn’t understand anything about the mortgage process. Danny was so knowledgeable and attentive and made us feel comfortable and more educated. Everything went smoothly, and he found us the lowest possible interest rate. We couldn’t have asked for a better experience.
After consulting with several different lenders, Fidelity Funding was patient and resourceful in materializing our intentions. Truly a real deal maker.
The professionalism in closing our mortgage with Fidelity Funding was the catalyst for understanding the transition. What peace of mind! Job well done.
Taking the path of purchasing our first home was like driving down a smooth road. I cannot thank Elvis enough for making our journey and dream seemingly effortless.
John was so helpful and answered every question we had. He even guided me every step of the way through a credit problem, and offered us great advice to save more money for our down payment. We were able to do everything through email, and whenever we called with questions the team was quick to get back to us.
Thanks John. If it were not for your tireless energy in explaining our choices, making the right decision for our circumstance would have been limited. The guidance is greatly appreciated.
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