Fidelitylending Solutions Dba Wholesale Mortgage Bankers Rates, Fees & Info
La Mirada, CALEI: 549300SBA6BX8HZZF585
Tax ID: 80-0810045
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Mortgage Data
Review & Overview
Fidelitylending Solutions Dba Wholesale Mortgage Bankers is a smaller bank specializing in Home Purchase loans. Fidelitylending Solutions Dba Wholesale Mortgage Bankers has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, Atlanta, and San Diego among others. We have data for 74 markets. (Some data included below & more in-depth data is available with an active subscription.)Fidelitylending Solutions Dba Wholesale Mortgage Bankers has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fidelitylending Solutions Dba Wholesale Mortgage Bankers is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.77% | 4/5/25 |
| 30 Year Conventional Refi | 7.54% | 4/5/25 |
| 30 Year Cash-out Refi | 7.77% | 4/5/25 |
| 15 Year Conventional Refi | 6.00% | 4/5/25 |
| 15 Year Cash-out Refi | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Fidelitylending Solutions Dba Wholesale Mortgage Bankers Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Fidelitylending Solutions Dba Wholesale Mortgage Bankers. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
981Origination Dollar Volume (All Markets)
$587,465,000Relative Rate
Fidelitylending Solutions Dba Wholesale Mortgage Bankers's average 30 year fixed mortgage rate was
7.44%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.89%.
Relative Fees (Closing Costs)
Fidelitylending Solutions Dba Wholesale Mortgage Bankers's average total fees/closing costs for a 30 year fixed rate
mortgage were $15,712.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 411 | $315,685,000 | $768,090 | $17,773 | 7.42% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 109 | $58,505,000 | $536,743 | $12,871 | 7.33% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 71 | $50,415,000 | $710,070 | $15,302 | 7.40% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 72 | $24,510,000 | $340,417 | $12,970 | 7.31% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 31 | $19,705,000 | $635,645 | $16,528 | 7.74% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 22 | $19,630,000 | $892,273 | $15,783 | 7.41% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 48 | $11,990,000 | $249,792 | $9,508 | 7.71% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 30 | $11,930,000 | $397,667 | $12,263 | 7.22% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $6,015,000 | $546,818 | $20,720 | 7.39% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $5,845,000 | $649,444 | $15,487 | 7.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $5,370,000 | $895,000 | $36,298 | 7.60% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $3,595,000 | $326,818 | $9,790 | 7.47% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $3,525,000 | $271,154 | $10,796 | 7.25% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $11,849 | 7.42% |
| VALLEJO, CA (FHA|USDA|VA) | 9 | $2,895,000 | $321,667 | $11,976 | 7.60% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $2,325,000 | $775,000 | $23,482 | 7.42% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $11,211 | 8.18% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $2,160,000 | $360,000 | $13,706 | 7.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $13,687 | 7.78% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $2,090,000 | $522,500 | $9,535 | 6.91% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $5,969 | 7.84% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,905,000 | $381,000 | $8,142 | 7.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,825,000 | $1,825,000 | $0 | 7.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $13,167 | 7.04% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,665,000 | $555,000 | $0 | 7.54% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $32,022 | 7.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $10,239 | 8.29% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $9,074 | 7.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $14,692 | 7.56% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $15,435 | 7.69% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $11,769 | 8.06% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $16,042 | 7.31% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $0 | 7.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $8,209 | 7.67% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $10,791 | 7.50% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $9,990 | 7.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $11,132 | 7.13% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 7.44% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $10,974 | 7.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $14,129 | 7.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 7.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 7.50% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 7.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,965 | 7.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 8.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,487 | 7.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $13,542 | 8.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 7.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 7.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.25% |
| Athens, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 6.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 8.13% |
| Key West, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,681 | 7.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,371 | 8.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.63% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.00% |
| Outside of Metro Areas | 2 | $310,000 | $155,000 | $8,342 | 7.13% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,262 | 7.38% |
| OCALA, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,995 | 7.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,538 | 7.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,396 | 7.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,898 | 7.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,811 | 7.75% |
| Palestine, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.38% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.13% |
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We use machine learning to identify the top lenders compared against FidelityLending Solutions dba Wholesale Mortgage Bankers based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 981 | $587,465,000 | $598,843 | $15,692 | 7.44% |
For 2024, Fidelitylending Solutions Dba Wholesale Mortgage Bankers's most frequently originated type of loan was Conventional, with 981 originations.
Loan Reason
For 2024, Fidelitylending Solutions Dba Wholesale Mortgage Bankers's most frequently cited loan purpose was Home Purchase, with 755 originations. The 2nd most popular reason was Cash Out Refi, with 156 originations.
Loan Duration/Length
For 2024, Fidelitylending Solutions Dba Wholesale Mortgage Bankers's most frequently cited loan duration was 30 Year, with 971 originations. The 2nd most popular length was 30+ year, with 7 originations.
Origination Fees/Closing Costs
Fidelitylending Solutions Dba Wholesale Mortgage Bankers's average total fees were $15,712, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 533 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 592 | $371,450,000 | $627,449 |
| 6-7% | 262 | $145,900,000 | $556,870 |
| Over 8% | 126 | $69,560,000 | $552,063 |
During 2024, Fidelitylending Solutions Dba Wholesale Mortgage Bankers's average interest rate for loans was 7.44%, while their most frequently originated rate bucket for loans was 7-8%, with 592 originations.
Loan Sizing
2024 saw Fidelitylending Solutions Dba Wholesale Mortgage Bankers place emphasis on $200k-400k loans with 295 originations, totaling $87,235,000 in origination value.
Applicant Income
Fidelitylending Solutions Dba Wholesale Mortgage Bankers lent most frequently to those with incomes in the $250k+ range, with 236 originations. The second most popular income band? $50k or less, with 232 originations.
Applicant Debt to Income Ratio
Fidelitylending Solutions Dba Wholesale Mortgage Bankers lent most frequently to those with DTI ratios of <20%, with 197 originations. The next most common DTI ratio? 30-36%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.62%
Fidelitylending Solutions Dba Wholesale Mortgage Bankers has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination46.79%
Fidelitylending Solutions Dba Wholesale Mortgage Bankers has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 27340.0 | 1 | $445,000 | $445,000 |
| 44920.0 | 1 | $815,000 | $815,000 |
| NA | 979 | $586,205,000 | $598,779 |