We analyzed every closed loan from Fidelity Bank — 632 loans across 943 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Fidelity Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+32.6 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
533 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
FHA
62 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
VA
32 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
575 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
57 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 533 | 84.3% | +0.311%Above | $1,145Fees | ||||
FHA Loans | 62 | 9.8% | +0.604%Above | $1,128Fees | ||||
VA Loans | 32 | 5.1% | -0.012%Below | $1,366Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume533
Mix84.3%
Spread
+0.311%Above
Fees
$1,145Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume62
Mix9.8%
Spread
+0.604%Above
Fees
$1,128Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume32
Mix5.1%
Spread
-0.012%Below
Fees
$1,366Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 575 | 91.0% | +0.335%Above | $1,165Fees | ||||
Refinance | 57 | 9.0% | +0.235%Above | $1,005Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume575
Mix91.0%
Spread
+0.335%Above
Fees
$1,165Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume57
Mix9.0%
Spread
+0.235%Above
Fees
$1,005Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
632
Applications
943
Volume
$180 million
Pricing & Closing
Avg Rate Spread
+0.326%
vs. market APOR
Avg Net Fees
$1,150
Origination − Credits
Pullthrough Rate
67.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$286,329
Avg Borrower Income
$143,198
Avg Property Value
$367,611
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
24Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest8
IAILINKSMONEOHWI
South9
ALARFLGANCOKSCTNTX
West7
AZCACOIDNVORWA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.