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Fidelity Direct Mortgage

Independent Mortgage Company•Clarksville, MDHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Fidelity Direct Mortgage — 717 loans across 904 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 8 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Fidelity Direct Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+43.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume403
Mix56.2%
Spread
+0.232%Above
Fees
$3,491Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Exceptional
Volume250
Mix34.9%
Spread
+0.813%Above
Fees
$4,138Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume60
Mix8.4%
Spread
-0.097%Below
Fees
$3,718Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume632
Mix88.1%
Spread
+0.461%Above
Fees
$3,791Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume85
Mix11.9%
Spread
+0.250%Above
Fees
$3,502Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
717
Applications
904
Volume
$272 million
Pricing & Closing
Avg Rate Spread
+0.438%
vs. market APOR
Avg Net Fees
$3,759
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$379,881
Avg Borrower Income
$137,456
Avg Property Value
$454,805

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
Midwest1
OH
South8
DCDEFLMDNCSCVAWV

Top Metro Areas by Place Specialization Score

1© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 162Mix 22.59% of portfolio
84/100
Exceptional
2© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 184Mix 25.66% of portfolio
77/100
Strong
3© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 71Mix 9.90% of portfolio
72/100
Strong
4© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 88Mix 12.27% of portfolio
67/100
Strong
5© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 45Mix 6.28% of portfolio
59/100
Sound
6© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 18Mix 2.51% of portfolio
56/100
Sound
7© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 13Mix 1.81% of portfolio
47/100
Sound
8© Bjoertvedt · CC BY-SA 4.0
Wilmington, DEMetro
Volume 13Mix 1.81% of portfolio
45/100
Sound

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 439Mix 61.23% of portfolio
82/100
Exceptional
Virginia
Virginia
2
VirginiaState
Volume 160Mix 22.32% of portfolio
71/100
Strong
North Carolina
North Carolina
3
North CarolinaState
Volume 31Mix 4.32% of portfolio
48/100
Sound
Pennsylvania
Pennsylvania
4
PennsylvaniaState
Volume 22Mix 3.07% of portfolio
45/100
Sound
Washington, DC
Washington, DC
5
Washington, DCState
Volume 12Mix 1.67% of portfolio
45/100
Sound
Florida
Florida
6
FloridaState
Volume 30Mix 4.18% of portfolio
45/100
Sound

How 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.