Fidelity Guaranty Funding
- Company typePrivate
- Founded2008
- HeadquartersSan Rafael, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Fidelity Guaranty Funding firmographics
Firmographics- Name
- Fidelity Guaranty Funding
- Legal name
- Fidelity Guaranty Funding, Inc.
- Website
- https://fidelityguaranty.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Fidelity Guaranty Funding industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)
Keywords
Where Fidelity Guaranty Funding is headquartered
LocationHeadquarters
- HQ city
- San Rafael
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Fidelity Guaranty Funding business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination Fees and Commissions: Fidelity Guaranty Funding generates revenue as a mortgage broker by representing multiple lenders and investors. They earn origination fees and commissions from lenders when loans close. The company works with over 100 investors including conventional lenders, jumbo lenders, and private hardship lenders, earning a percentage of the loan amount or fixed fees per closed transaction.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No publicly disclosed fixed pricing - quotes provided based on individual borrower profile and loan requirements |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Fidelity Guaranty Funding product offering
Product offeringCore offering
Fidelity Guaranty Funding operates as a mortgage brokerage that matches individual borrowers with a network of more than 100 lenders and investors to originate purchase and refinance mortgages. The company offers a broad menu of loan programs including Conventional, Jumbo, Non-QM, FHA, VA, Home Equity Lines of Credit, and Commercial loans, supplemented by secure mobile document uploading, an online application portal, and web-based financial calculators. Loan officers guide customers through pre-qualification, rate shopping, processing, and closing, primarily serving California residents.
Product overview
Fidelity Guaranty Funding operates as a mortgage brokerage platform offering a comprehensive suite of residential and commercial lending products. The core offering consists of purchase and refinance mortgages supported by a network of over 100 investors and lenders. The product portfolio spans conventional conforming loans, jumbo loans (for amounts exceeding Fannie Mae/Freddie Mac limits), non-QM mortgages for non-standard borrower profiles, government-backed FHA and VA loans, home equity products, and commercial financing. The company also provides digital tools including online mortgage calculators (monthly payment, affordability, refinance analysis, buydown, and rent vs. buy), an online loan application system, and educational resources such as a mortgage glossary. The technology platform emphasizes secure mobile document uploading and an online application process, with loan officers available to assist throughout the borrowing journey.
Differentiator
Problem solved
Functional benefit
Products and services
- Purchase Mortgages
- Refinance Mortgages
- Conventional Loans
- Jumbo Loans
- Non-QM Mortgages
Quantifiable outcome
- Fast funding - loan officers emphasize efficient closing timelines
- +2 more outcomes
Companies that use Fidelity Guaranty Funding
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
Fidelity Guaranty Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Fidelity Guaranty Funding partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 100+ Lenders and InvestorscoreFidelity Guaranty Funding has established relationships with over 100 investors and lenders including 'A' rated lenders with first quality rates and private 'hardship' lenders. This network enables the company to offer diverse loan programs including Conventional, Jumbo, Non-QM mortgages, Home Equity Lines, FHA, VA and Commercial products. The breadth of lender relationships allows competitive rate shopping across different borrower profiles and loan requirements.
Scale indicators1 record
Recent moves4 records
Expansion highlights3 records
Fidelity Guaranty Funding competitors and assessment
Company assessmentEmerging players
- SoFi Mortgage: Online lender offering home purchase and refinance mortgages alongside personal loans. Targets the same tech-savvy California borrower demographic Fidelity serves, with a fully digital experience.
Regional players
- Paramount Residential Mortgage Group: California-headquartered retail and wholesale mortgage lender offering conventional, FHA, VA and jumbo products. Direct West Coast comparable with overlapping geography and product mix to Fidelity Guaranty Funding.
Broad incumbents
- Rocket Mortgage: Largest US retail mortgage lender, dominant in digital direct-to-consumer origination. Competes for the same borrower demand as Fidelity but via owned retail channels rather than the broker model.
- NewRez (formerly New Penn Financial): National mortgage lender and servicer with retail, wholesale and correspondent channels. Offers conventional, government, jumbo and non-QM products comparable to Fidelity's portfolio, with much broader geographic reach.
- loanDepot: Large national retail and wholesale mortgage lender offering conventional, FHA, VA, jumbo and HELOC products across consumer-direct and broker channels. Comparable multi-product mortgage origination platform, though much larger scale.
- Caliber Home Loans: National retail and wholesale mortgage lender offering a wide range of agency and non-QM products including jumbo and government-backed loans. Comparable product breadth, delivered at greater scale through both retail and broker channels.
Direct peers
- United Wholesale Mortgage (UWM): Largest US wholesale mortgage broker, partnering exclusively with independent mortgage brokers (like Fidelity Guaranty Funding) rather than retail consumers. Highly comparable business model: broker channel, broad lender network, transaction-fee revenue on closed loans.
- Better.com: Digital-first mortgage company offering purchase and refinance mortgages online, including conventional, FHA, VA, and HELOC products. A modern technology-enabled competitor addressing the same California borrower base Fidelity serves.
- Homepoint: Wholesale mortgage lender and broker services company focused on the broker channel. Closely aligned with Fidelity's model of enabling independent brokers to access multiple loan products through a single relationship.
- Planet Home Lending: Wholesale and correspondent mortgage lender with strong focus on retail broker relationships and a broad product set including non-QM, jumbo and government loans. Directly comparable wholesale-channel partner/competitor profile.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Fidelity Guaranty Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fidelity Guaranty Funding leadership team
Management profileNumber of profiles
Profiles1 record
Fidelity Guaranty Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fidelity Guaranty Funding M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fidelity Guaranty Funding
What does Fidelity Guaranty Funding do?
Fidelity Guaranty Funding operates as a mortgage brokerage that matches individual borrowers with a network of more than 100 lenders and investors to originate purchase and refinance mortgages. The company offers a broad menu of loan programs including Conventional, Jumbo, Non-QM, FHA, VA, Home Equity Lines of Credit, and Commercial loans, supplemented by secure mobile document uploading, an online application portal, and web-based financial calculators. Loan officers guide customers through pre-qualification, rate shopping, processing, and closing, primarily serving California residents.
Is Fidelity Guaranty Funding a public or private company?
Fidelity Guaranty Funding is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fidelity Guaranty Funding founded?
Fidelity Guaranty Funding was founded in 2008. It employs 11 to 50 people.
Where is Fidelity Guaranty Funding based?
Fidelity Guaranty Funding is headquartered in San Rafael, United States, in the North America region.
How does Fidelity Guaranty Funding make money?
One revenue line is on record: mortgage Origination Fees and Commissions.
Who are Fidelity Guaranty Funding's main competitors?
SoFi Mortgage is listed as an emerging player. Paramount Residential Mortgage Group is listed as a regional player. Broad incumbents are Rocket Mortgage, NewRez (formerly New Penn Financial), loanDepot and Caliber Home Loans. Direct peers are United Wholesale Mortgage (UWM), Better.com, Homepoint and Planet Home Lending.
Does Fidelity Guaranty Funding have an API?
No public API is recorded for Fidelity Guaranty Funding.
What industry is Fidelity Guaranty Funding in?
Fidelity Guaranty Funding's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAC, Mortgage Refinance & Rate/Term Intermediation. Its NAICS code is 52231 and its SIC code is 6163.