Fidelity Lending Solutions at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
76th1.5% deniedPricingmedian rate spread over APOR, weight 30%
80th0.51 ptsProcesswithdrawn + incomplete share, weight 15%
34th8.6%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd2.50% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 1,524 | 981 | 1.4% | 1.6% | 7.38% | $587M |
| 2025 | 1,135 | 838 | 1.4% | 1.5% | 7.00% | $500M |
What Fidelity Lending Solutions lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 574 investment properties.
Why Fidelity Lending Solutions denies applications
Primary reason reported for each of the 16 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Fidelity Lending Solutions
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 77 | 62 | 2.8% |
| $100k – $150k | 148 | 122 | 1.4% |
| $150k – $250k | 199 | 145 | 1.1% |
| Over $250k | 253 | 172 | 0.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 17 | 0.0% |
| 25–34 | 191 | 150 | 1.2% |
| 35–44 | 334 | 234 | 1.3% |
| 45–54 | 327 | 247 | 1.7% |
| 55–64 | 178 | 142 | 0.6% |
| 65–74 | 64 | 42 | 3.1% |
Where Fidelity Lending Solutions lends
19 states and 123 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 776 | 567 | 1.6% | 7.00% | #198 |
| Texas | 130 | 100 | 0.0% | 7.13% | #503 |
| Georgia | 73 | 55 | 0.0% | 6.88% | #386 |
| Florida | 49 | 40 | 0.0% | 6.88% | #604 |
| Massachusetts | 30 | 23 | 3.3% | 7.13% | #379 |
| Washington | 22 | 12 | 9.1% | 6.69% | #380 |
| Colorado | 9 | 5 | 0.0% | 6.88% | #512 |
| Arizona | 5 | 2 | 0.0% | 6.56% | #617 |
| Hawaii | 5 | 2 | 20.0% | 7.00% | #195 |
| Nevada | 5 | 5 | 0.0% | 7.13% | #370 |
Frequently asked questions
Fidelity Lending Solutions denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of investment-property lenders.
The most common reason Fidelity Lending Solutions gave in 2025 was "collateral", cited on 56.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Fidelity Lending Solutions originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.51 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 36% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.