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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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FIDELITY DEPOSIT & DISCOUNT BK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIDELITY DEPOSIT & DISCOUNT BK |
| Address | BLAKELY & DRINKER STREETS
DUNMORE, PA 18512 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 586 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $59,296,000 |
| Average Mortgage Loan Amount Applied For | $245,300 |
| Highest Mortgage Loan Amount Applied For | $976,000 |
| Average Applicant Income | $400,000 |
| Highest Applicant Income | $3,068,000 |
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| Home Improvement |
139 | $4,589,000 |
$33,000 | $170,000 |
$92,000 | $740,000 |
| Home Purchase |
201 | $31,539,000 |
$156,000 | $976,000 |
$97,000 | $3,068,000 |
| Refinancing |
246 | $23,168,000 |
$94,000 | $700,000 |
$82,000 | $593,000 |
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| American Indian or Alaskan Native |
1 | $21,000 |
$21,000 | $21,000 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
8 | $1,250,000 |
$156,000 | $400,000 |
$78,000 | $153,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
8 | $512,000 |
$64,000 | $130,000 |
$54,000 | $74,000 |
| White |
569 | $57,513,000 |
$101,000 | $976,000 |
$90,000 | $3,068,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
586 | $59,296,000 |
$101,000 | $976,000 |
$89,000 | $3,068,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
7 | $579,000 |
$82,000 | $165,000 |
$170,000 | $739,000 |
| Application Denied By Financial Institution |
73 | $5,624,000 |
$77,000 | $635,000 |
$51,000 | $309,000 |
| Application Withdrawn By Applicant |
66 | $8,456,000 |
$128,000 | $976,000 |
$124,000 | $3,068,000 |
| File Closed For Incompleteness |
1 | $100,000 |
$100,000 | $100,000 |
$140,000 | $140,000 |
| Loan Originated |
439 | $44,537,000 |
$101,000 | $700,000 |
$89,000 | $740,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
5 | $345,000 |
$69,000 | $140,000 |
$54,000 | $83,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
45 | $2,544,000 |
$56,000 | $188,000 |
$52,000 | $309,000 |
| Debt-To-Income Ratio |
15 | $2,170,000 |
$144,000 | $635,000 |
$51,000 | $118,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $492,000 |
$70,000 | $200,000 |
$19,000 | $48,000 |
| Unverifiable Information |
1 | $73,000 |
$73,000 | $73,000 |
$262,000 | $262,000 |
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Mortgage Loan App Totals for FIDELITY DEPOSIT & DISCOUNT BK by:
Metropolitan Area And
County
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