Fidelity Direct Mortgage, LLC mortgage approval rate & lending review
Fidelity Direct Mortgage, LLC decided 2,191 mortgage applications and funded 1,960 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fidelity Direct Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to fdmhome.com.
Fidelity Direct Mortgage, LLC at a glance
Approval is 5.9 points above the 85.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,496 / 1,608 | 98% | $405K | 1,465 |
| Refinance | 88% | 209 / 237 | 94% | $345K | 196 |
| Investment property purchase | 88% | 200 / 226 | 99% | $285K | 198 |
| Investment refinance | 88% | 105 / 120 | 96% | $205K | 101 |
Fidelity Direct Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 93% | $405K | 1,344 | 1,221 |
| Virginia | 89% | $435K | 397 | 345 |
| North Carolina | 93% | $335K | 140 | 122 |
| Florida | 89% | $375K | 121 | 105 |
| Pennsylvania | 88% | $295K | 76 | 67 |
| Delaware | 84% | $275K | 38 | 32 |
| District of Columbia | 92% | $445K | 36 | 32 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fidelity Direct Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Prince George's County, MD | Mortgage lenders | 94% | 280 | 258 |
| Baltimore County, MD | Mortgage lenders | 89% | 130 | 112 |
| Baltimore city, MD | Mortgage lenders | 89% | 130 | 112 |
| Anne Arundel County, MD | Mortgage lenders | 95% | 107 | 101 |
| Charles County, MD | Mortgage lenders | 97% | 66 | 64 |
| Frederick County, MD | Mortgage lenders | 100% | 56 | 55 |
| Harford County, MD | Mortgage lenders | 100% | 44 | 44 |
| Howard County, MD | Mortgage lenders | 100% | 41 | 41 |
| Montgomery County, MD | Refinance | 90% | 29 | 25 |
| Prince George's County, MD | Investment property purchase | 85% | 27 | 23 |
| Hampton city, VA | Mortgage lenders | 82% | 28 | 22 |
| Newport News city, VA | Mortgage lenders | 83% | 24 | 20 |
The county markets where Fidelity Direct Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Fidelity Direct Mortgage, LLC
What is Fidelity Direct Mortgage, LLC's mortgage approval rate?
Fidelity Direct Mortgage, LLC approved 91.7% of the 2,191 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan Fidelity Direct Mortgage, LLC offers?
Borrowers accepted 98% of the loans Fidelity Direct Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fidelity Direct Mortgage, LLC make?
The typical home purchase mortgage loan Fidelity Direct Mortgage, LLC made was $405K; across all loan types its typical loan ran from $205K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fidelity Direct Mortgage, LLC lend?
Fidelity Direct Mortgage, LLC decided applications in 11 of the states Fat Boy Data covers, most of them in Maryland, Virginia and North Carolina.
Can I apply to Fidelity Direct Mortgage, LLC directly?
Yes. Fidelity Direct Mortgage, LLC reports as a direct lender that takes applications from borrowers. Its website is fdmhome.com.
Does this page show Fidelity Direct Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fidelity Direct Mortgage, LLC treats applications, then get a rate quote from the lender.