Fidelity Direct Mortgage in Maryland vs the state
3.8%Denial rate-14.99 pts vs state
4.3%Decision denial rate-19.81 pts vs state
82.1%Origination rate+26.41 pts vs state
6.63%Median rate0.00 pts vs state
0.52Rate spread (pts)+0.28 pts vs state
$108kMedian applicant income
496Loans originated
23Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 492 | 379 | 7.3% | 6.75% | #82 |
| 2024 | 589 | 476 | 5.1% | 6.75% | #78 |
| 2025 | 604 | 496 | 3.8% | 6.63% | #74 |
What Fidelity Direct Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Fidelity Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 146 | 115 | 8 | 5.5% |
| Montgomery County | 83 | 72 | 1 | 1.2% |
| Baltimore County | 81 | 65 | 3 | 3.7% |
| Baltimore city | 74 | 57 | 6 | 8.1% |
| Anne Arundel County | 68 | 58 | 0 | 0.0% |
| Harford County | 33 | 31 | 0 | 0.0% |
| Frederick County | 31 | 27 | 0 | 0.0% |
| Charles County | 26 | 22 | 3 | 11.5% |
| Howard County | 23 | 16 | 2 | 8.7% |
| Carroll County | 8 | 8 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 604 applications in 2025, of which 496 were originated and 23 denied.
3.8% of all applications, or 4.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Fidelity Direct Mortgage originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Direct Mortgage's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology