Fidelity Direct Mortgage in Florida vs the state
11.8%Denial rate-9.30 pts vs state
13.8%Decision denial rate-13.45 pts vs state
70.6%Origination rate+17.90 pts vs state
6.93%Median rate+0.31 pts vs state
0.57Rate spread (pts)+0.30 pts vs state
$147kMedian applicant income
48Loans originated
8Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 24 | 2.9% | 6.81% | #715 |
| 2024 | 46 | 36 | 8.7% | 6.81% | #612 |
| 2025 | 68 | 48 | 11.8% | 6.93% | #553 |
What Fidelity Direct Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Fidelity Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collier County | 20 | 16 | 2 | 10.0% |
| Lee County | 9 | 4 | 2 | 22.2% |
| Osceola County | 6 | 4 | 1 | 16.7% |
| Seminole County | 4 | 4 | 0 | 0.0% |
| Pasco County | 3 | 1 | 0 | 0.0% |
| Charlotte County | 3 | 1 | 0 | 0.0% |
| Lake County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 1 | 1 | 50.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Polk County | 2 | 0 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 68 applications in 2025, of which 48 were originated and 8 denied.
11.8% of all applications, or 13.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Fidelity Direct Mortgage originated in Florida in 2025 was 6.93%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Direct Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology