Purchase Originations
608
Ranked #561 nationally
Median Total Costs
$10,386
+55.5% vs national ($6,680)
↑ $504 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,483
Median Lender Credits
$237
Cost Rank (500+ vol.)
#555
among lenders with 500+ originations
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 302 | 6.625% | $6,964 | $3,564 |
| fha | 259 | 6.500% | $13,355 | $2,996 |
| va | 45 | 6.490% | $11,811 | $5,995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 369 | 6.625% | $11,202 | #37 |
| Virginia | 123 | 6.500% | $8,475 | #115 |
| North Carolina | 40 | 6.625% | $8,740 | — |
| Florida | 32 | 6.812% | $9,133 | — |
| District of Columbia | 12 | 6.500% | $11,508 | — |
| Pennsylvania | 10 | 6.750% | $7,337 | — |
| Delaware | 9 | 6.250% | $7,823 | — |
| West Virginia | 5 | 6.500% | $14,556 | — |
| Ohio | 4 | 6.750% | $5,278 | — |
| South Carolina | 3 | 6.625% | $6,032 | — |
| New Jersey | 1 | 6.625% | $13,890 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,274 | 6.688% | — | 8 | −$6,112 | |
| 2 | $4,857 | 6.250% | — | 6 | −$5,529 | |
| 3 | $5,598 | 6.375% | — | 12 | −$4,788 | |
| 4 | $6,231 | 6.990% | — | 9 | −$4,155 | |
| 5 | $7,264 | 6.370% | — | 18 | −$3,122 | |
| 6 | $7,480 | 6.438% | — | 6 | −$2,906 | |
| 7 | $8,540 | 6.500% | — | 14 | −$1,846 | |
| 8 | $8,815 | 6.625% | — | 39 | −$1,571 | |
| 9 | $10,114 | 6.500% | — | 47 | −$272 | |
| 10 | $10,214 | 6.750% | — | 6 | −$172 | |
| 11 | $10,326 | 6.750% | — | 11 | −$60 | |
| 12 | $10,425 | 6.625% | — | 43 | +$39 | |
| 13 | $10,962 | 6.625% | — | 7 | +$576 | |
| 14 | $11,139 | 6.625% | — | 22 | +$753 | |
| 15 | $11,502 | 6.625% | — | 19 | +$1,116 | |
| 16 | $11,508 | 6.500% | — | 12 | +$1,122 | |
| 17 | $12,799 | 6.625% | — | 91 | +$2,413 | |
| 18 | $13,092 | 6.500% | — | 41 | +$2,706 | |
| 19 | $14,000 | 6.250% | — | 7 | +$3,614 | |
| 20 | $16,970 | 6.250% | — | 29 | +$6,584 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Fidelity Direct Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $10,386 | $7,127 | +$3,259 (+45.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.