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Fidelity Lending Solutions

Independent Mortgage Company•Brea, CAHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Fidelity Lending Solutions — 563 loans across 809 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 8 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Fidelity Lending Solutions performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
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 · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume492
Mix87.4%
Spread
+1.012%Above
Fees
$6,338Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume71
Mix12.6%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume443
Mix78.7%
Spread
+1.093%Above
Fees
$6,439Fees
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume120
Mix21.3%
Spread
+0.767%Above
Fees
$6,035Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
563
Applications
809
Volume
$384 million
Pricing & Closing
Pullthrough Rate
69.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$683,117
Avg Borrower Income
$298,545
Avg Property Value
$1,015,746

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
FLGATX
West5
AZCACONVWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 230Mix 40.85% of portfolio
79/100
Strong
2© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 68Mix 12.08% of portfolio
68/100
Strong
3© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 81Mix 14.39% of portfolio
65/100
Strong
4© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 49Mix 8.70% of portfolio
58/100
Sound
5© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 16Mix 2.84% of portfolio
50/100
Sound
6© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 19Mix 3.37% of portfolio
50/100
Sound
7© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 20Mix 3.55% of portfolio
49/100
Sound
8© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 13Mix 2.31% of portfolio
45/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 461Mix 81.88% of portfolio
75/100
Strong
Georgia
Georgia
2
GeorgiaState
Volume 58Mix 10.30% of portfolio
57/100
Sound
Florida
Florida
3
FloridaState
Volume 22Mix 3.91% of portfolio
42/100
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.