# FIDELITY DIRECT MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/fidelity-direct-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIDELITY DIRECT MORTGAGE, LLC is a independent mortgage company, headquartered in CLARKSVILLE, MD, serving borrowers across 11 states, with 717 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BKWR5OM8PWIN62
- **Headquarters:** CLARKSVILLE, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** DC, DE, FL, MD, NC, NJ, OH, PA, SC, VA, WV
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.438%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,759
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 717
- **Dollar Volume:** $272 million
- **Applications Received:** 904
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $379,881
- **Average Borrower Income:** $137,456
- **Average Property Value:** $454,805

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 403 | +0.232% | $3,491 | Sound ☺️ |
| FHA | 72/100 | 250 | +0.813% | $4,138 | Strong 😀 |
| VA | 66/100 | 60 | -0.097% | $3,718 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 346 loans, Score: 53/100 (Sound)
- Refinance: 57 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 223 loans, Score: 71/100 (Strong)
- Refinance: 27 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 59 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 632 | $245M | +0.461% | Sound ☺️ |
| Refinance | 53/100 | 85 | $27M | +0.250% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 439 | 0.62% | 82/100 |
| VA | 160 | 0.15% | 71/100 |
| NC | 31 | 0.02% | 48/100 |
| FL | 30 | 0.01% | 45/100 |
| PA | 22 | 0.02% | 45/100 |
| DC | 12 | 0.21% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 184 | 77/100 |
| Washington, DC | DC-MD | 162 | 84/100 |
| Arlington | VA-WV | 88 | 67/100 |
| Frederick | MD | 71 | 72/100 |
| Virginia Beach | VA-NC | 45 | 59/100 |
| Non |  | 24 | 30/100 |
| Naples | FL | 18 | 56/100 |
| Hagerstown | MD-WV | 13 | 47/100 |
| Wilmington, DE |  | 13 | 45/100 |

## Where This Lender Ranks

FIDELITY DIRECT MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#17** in Washington, DC Mortgage Companies
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does FIDELITY DIRECT MORTGAGE, LLC offer?

FIDELITY DIRECT MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIDELITY DIRECT MORTGAGE, LLC offer mortgages?

FIDELITY DIRECT MORTGAGE, LLC offers mortgages in 11 states: DC, DE, FL, MD, NC, NJ, OH, PA, SC, VA, WV.

### How competitive are FIDELITY DIRECT MORTGAGE, LLC's mortgage rates?

FIDELITY DIRECT MORTGAGE, LLC has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.438% above market average.

### What type of lender is FIDELITY DIRECT MORTGAGE, LLC?

FIDELITY DIRECT MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in CLARKSVILLE, MD.

### What is FIDELITY DIRECT MORTGAGE, LLC's loan approval success rate?

FIDELITY DIRECT MORTGAGE, LLC has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fidelity-direct-mortgage

### How to Cite

> "FIDELITY DIRECT MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fidelity-direct-mortgage

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