We analyzed every closed loan from Fidelity Bank — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 10 mkts
Awards
FHA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Fidelity Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 807 | 56.3% | +0.372%Above | $3,180Fees | ||||
FHA Loans | 468 | 32.6% | +0.597%Above | $2,828Fees | ||||
VA Loans | 77 | 5.4% | -0.153%Below | $3,237Fees | ||||
Jumbo Loans | — | 24 | 1.7% | +0.527%Above | $3,432Fees | |||
USDA Loans | 58 | 4.0% | +0.403%Above | $2,257Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume807
Mix56.3%
Spread
+0.372%Above
Fees
$3,180Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume468
Mix32.6%
Spread
+0.597%Above
Fees
$2,828Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume77
Mix5.4%
Spread
-0.153%Below
Fees
$3,237Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume24
Mix1.7%
Spread
+0.527%Above
Fees
$3,432Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume58
Mix4.0%
Spread
+0.403%Above
Fees
$2,257Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,359 | 94.8% | +0.425%Above | $3,059Fees | ||||
Refinance | 75 | 5.2% | +0.302%Above | $3,032Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,359
Mix94.8%
Spread
+0.425%Above
Fees
$3,059Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume75
Mix5.2%
Spread
+0.302%Above
Fees
$3,032Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,434
Applications
2,080
Volume
$407 million
Pricing & Closing
Avg Rate Spread
+0.417%
vs. market APOR
Avg Net Fees
$3,057
Origination − Credits
Pullthrough Rate
68.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$284,456
Avg Borrower Income
$133,526
Avg Property Value
$342,727
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Midwest3
ILINOH
South8
ALFLLAMSNCSCTNTX
West6
CAMTNMORUTWA
Top Metro Areas by Place Specialization Score
Volume 429Mix 29.92% of portfolio
100/100
Exceptional
Volume 162Mix 11.30% of portfolio
100/100
Exceptional
Volume 129Mix 9.00% of portfolio
92/100
Exceptional
Volume 136Mix 9.48% of portfolio
87/100
Exceptional
Volume 172Mix 11.99% of portfolio
76/100
Strong
Volume 65Mix 4.53% of portfolio
71/100
Strong
Volume 71Mix 4.95% of portfolio
70/100
Strong
Volume 32Mix 2.23% of portfolio
67/100
Strong
Volume 31Mix 2.16% of portfolio
56/100
Sound
Volume 11Mix 0.77% of portfolio
42/100
SoundTop States by Place Specialization Score
1
LouisianaState
Volume 1,167Mix 81.38% of portfolio
92/100
Exceptional2
MississippiState
Volume 139Mix 9.69% of portfolio
70/100
Strong3
FloridaState
Volume 86Mix 6.00% of portfolio
54/100
Sound4
TexasState
Volume 25Mix 1.74% of portfolio
41/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.