What loan types does Fidelity Direct Mortgage offer?

Fidelity Direct Mortgage offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Fidelity Direct Mortgage offer mortgages?

Fidelity Direct Mortgage offers mortgages in 11 states: DC, DE, FL, MD, NC, NJ, OH, PA, SC, VA, WV.

How competitive are Fidelity Direct Mortgage's mortgage rates?

Fidelity Direct Mortgage has an overall pricing score of 22.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Fidelity Direct Mortgage?

Fidelity Direct Mortgage is a Independent Mortgage Company headquartered in CLARKSVILLE, MD.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

403 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

FHA

250 loans · 0.81% above market

Strong

Top 40% of lenders

4/5

60 loans · 0.10% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

632 loans · 0.46% above market

Sound

Top 60% of lenders

3/5

Refinance

85 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 9 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	403	56.2%	+0.232%Above	$3,491Fees
FHA Loans	Sound	Strong	Mediocre	Exceptional	250	34.9%	+0.813%Above	$4,138Fees
VA Loans	Sound	Strong	Mediocre	Strong	60	8.4%	-0.097%Below	$3,718Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	632	88.1%	+0.461%Above	$3,791Fees
Refinance	Sound	Sound	Mediocre	Sound	85	11.9%	+0.250%Above	$3,502Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

11Full-year 2024 · HMDA

Loans originated

< 2020–5050–200200+None

Northeast2

NJPA

Midwest1

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

Frederick, MDMetro

Volume 71Mix 9.90% of portfolio

72/100

Strong

Arlington, VA-WVMetro

Volume 88Mix 12.27% of portfolio

67/100

Strong

Virginia Beach, VA-NCMetro

Volume 45Mix 6.28% of portfolio

59/100

Sound

Naples, FLMetro

Volume 18Mix 2.51% of portfolio

56/100

Sound

Hagerstown, MD-WVMetro

Volume 13Mix 1.81% of portfolio

47/100

Sound

Wilmington, DEMetro

Volume 13Mix 1.81% of portfolio

45/100

Sound

Top States by Place Specialization Score

MarylandState

Volume 439Mix 61.23% of portfolio

82/100

Exceptional

VirginiaState

Volume 160Mix 22.32% of portfolio

71/100

Strong

North CarolinaState

Volume 31Mix 4.32% of portfolio

48/100

Sound

PennsylvaniaState

Volume 22Mix 3.07% of portfolio

45/100

Sound

Washington, DCState

Volume 12Mix 1.67% of portfolio

45/100

Sound

FloridaState

Volume 30Mix 4.18% of portfolio

45/100

Sound

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.