Fidelity First Home Mortgage Company

What Fidelity First Home Mortgage Company does

Fidelity First Home Mortgage Company is a privately held mortgage brokerage headquartered at 707 Bestgate Rd, Annapolis, Maryland, operating under NMLS# 118731 since approximately 1997. The company matches borrowers with lenders across a full product suite including conventional (Fannie Mae/Freddie Mac conforming), FHA, VA, USDA rural development, HECM reverse mortgages, and specialty programs such as bank statement, non-prime, investor cash flow, jumbo, and foreign national loans. It accepts credit profiles as low as 500 with compensating factors and offers 100% financing through VA and USDA channels, with a stated focus on first-time buyers, credit-challenged borrowers, veterans, seniors, and self-employed clients across seven states plus Washington, DC (Maryland, Virginia, Pennsylvania, Delaware, Florida, Illinois, DC).

Name

Fidelity First Home Mortgage Company

Legal name

Fidelity First Home Mortgage Company

Website

https://fidelityfirst.net

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidelity First Home Mortgage Company is an Annapolis, Maryland-based mortgage broker (NMLS# 118731) originating conventional, FHA, VA, USDA, reverse, and specialty loans for individual consumers across the Mid-Atlantic, Florida, and Illinois since approximately 1997.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Reverse Mortgage Brokerage & Lead Generation (FSALAIAB), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage
• Residential home loans
• Mortgage refinancing
• Government-backed mortgages
• Reverse mortgages

Headquarters

HQ city

Annapolis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination Fees: Fidelity First Home Mortgage Company operates as a mortgage broker (NMLS# 118731) earning origination fees and commissions on loans originated. The company matches borrowers with appropriate loan products from various lenders including Conventional, FHA, VA, and USDA programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Fidelity First Home Mortgage Company operates as a licensed mortgage broker (NMLS# 118731) matching individual borrowers with appropriate loan products from multiple lenders. It originates and arranges Conventional, FHA, VA, USDA, Reverse, and specialty mortgage programs (including bank statement, investor cash flow, jumbo, and foreign national loans), as well as first-time homebuyer programs and refinancing solutions, primarily across the Mid-Atlantic region and additional licensed states.

Product overview

Fidelity First Home Mortgage Company is a mortgage brokerage offering a comprehensive suite of home financing products. Their core offerings include Conventional Mortgages, FHA Mortgages, VA Mortgages, USDA Mortgages, Reverse Mortgages, and Specialty Mortgages (including Bank Statement Programs, Investor Cash Flow Programs, Non-Prime loans, and Jumbo programs). The company also provides First-Time Home Buyer Programs and Mortgage Refinancing services. They serve the Mid-Atlantic region including Maryland, Virginia, Pennsylvania, Delaware, Washington DC, Florida, and Illinois, with NMLS ID# 118731.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Mortgages

Quantifiable outcome

• Accepts credit scores as low as 500 with compensating factors for FHA loans
• +2 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core, strategic and minor.

• Better Business Bureau (BBB)coreOthersBBB accreditation provides third-party verification of business ethics and customer satisfaction standards. The accreditation is maintained through ongoing compliance with BBB standards.
• Fannie MaecoreTechnology or IntegrationConventional loan programs conform to Fannie Mae guidelines for determining credit worthiness. Company directs borrowers to Fannie Mae resources for additional information on loan programs.
• Freddie MaccoreTechnology or IntegrationConventional loan programs conform to Freddie Mac guidelines. Company also participates in HARP (Home Affordable Refinance Program) for Freddie Mac-backed loans.
• HUD/FHAcoreTechnology or IntegrationFHA-approved lender originating FHA-insured mortgages including reverse mortgages (HECM). Conform to HUD guidelines for credit worthiness determination.
• Homes for HeroesstrategicGTM or Marketing PartnerCharitable program providing discounts to heroes including Veterans, healthcare workers, firefighters, police officers, and teachers. Provides minimum $500 lender discount plus connections to Homes for Heroes realtors offering 25% commission discounts.
• USDA (United States Department of Agriculture)coreTechnology or IntegrationOriginate USDA rural development loans for eligible borrowers in designated rural areas. Loans conform to USDA guidelines with geographic and income restrictions.
• U.S. Department of Veterans AffairscoreTechnology or IntegrationVA-approved lender originating VA home loans including purchase loans, IRRRL refinances, and cash-out refinances. Company verifies Certificate of Eligibility and assists with VA funding fee exemptions.
• Maryland Association of Mortgage Professionals (MAMP)minorOthersState professional association membership providing networking and industry advocacy.
• National Association of Mortgage Brokers (NAMB)minorOthersNational professional association membership for mortgage brokers.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• loanDepot: Large national retail and wholesale mortgage lender with comparable conventional, FHA, VA, and HELOC products. Competes directly for FTHB and refinance borrowers in shared states, with far greater digital and brand investment.
• Caliber Home Loans: Larger national retail and wholesale mortgage lender with overlapping FHA/VA/USDA products and significant servicing portfolio. Same underlying product category but meaningfully larger scale and broader geographic reach.
• NewRez (formerly Shellpoint Mortgage): Large national mortgage originator and servicer offering FHA, VA, USDA, and conventional products via retail and wholesale channels. Direct product overlap with much greater scale and servicing depth.
• Rocket Mortgage: Largest U.S. retail mortgage lender with full digital POS experience across conventional, FHA, VA, and Jumbo products. Competes for the same borrower pool in every state Fidelity First is licensed in, with massive technology and marketing advantage.

Direct peers

• Embrace Home Loans: Mid-Atlantic-headquartered retail mortgage lender with comparable multi-state licensing, government-program depth (FHA/VA/USDA), and FTHB/credit-challenged borrower focus. Closest direct comparable by geography, product mix, and customer segments.
• Paramount Residential Mortgage Group (PRMG): Mid-to-large retail mortgage lender with similar government-program focus, FHA/VA specialization, and multi-state retail branch model. Comparable origination mix and FTHB/credit-challenged borrower targeting.
• Fairway Independent Mortgage Corporation: National retail mortgage lender with comparable multi-channel broker-retail model, strong government-program presence, and similar mid-tier scale. Operates in many of the same states as Fidelity First.
• Atlantic Bay Mortgage Group: Mid-Atlantic and Southeast retail mortgage lender/broker serving similar geographies (VA, NC, SC, FL, MD) with comparable FTHB, VA, and conventional product mix. Similar mid-size profile and broker-retail hybrid model.
• HomeBridge Financial Services: Retail and wholesale mortgage lender offering conventional, FHA, VA, USDA, and reverse mortgages (HECM). Directly comparable product breadth including reverse mortgage capability.
• Cardinal Financial: Mid-size retail mortgage lender with comparable government-program emphasis, retail branch model, and product mix. Similar scale tier and target borrower profile to Fidelity First.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FidelityFirst
• LinkedInlinkedin.com/in/daniel-eubanks-3a03aa38
• Xx.com/fidelityfirst

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fidelity First Home Mortgage Company