Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2025
In 2025, Fidelity Deposit & Discount Bank of Scranton, PA reported 983 mortgage applications totaling $203.4 million, up 2% from 2024. The average application was for $206,902, and applicants reported an average income of $165,303. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (644), Allentown-Bethlehem-Easton, PA-NJ (222) and Montgomery County-Bucks County-Chester County, PA (10) (applications in parentheses).
| Mortgage Company & Address | Fidelity Deposit & Discount Bank 101 N Blakely St Scranton, PA 18512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 983 |
| Total Mortgage Loan Application Amount | $203,385,000 |
| Average Mortgage Loan Application Amount | $206,902 |
| Highest Mortgage Loan Application Amount | $2,975,000 |
| Average Applicant Income | $165,303 |
| Highest Applicant Income | $1,621,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Scranton--Wilkes-Barre--Hazleton, PA | 644 | $ 111,130,000 | $ 172,562 | $ 152,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 222 | $ 49,170,000 | $ 221,486 | $ 157,765 |
| Outside any metro area | 84 | $ 27,710,000 | $ 329,880 | $ 222,325 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 4,740,000 | $ 474,000 | $ 197,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 3,095,000 | $ 1,031,666 | $ 1,130,000 |
| Camden, NJ | 2 | $ 700,000 | $ 350,000 | $ 318,000 |
| Port St. Lucie, FL | 2 | $ 1,580,000 | $ 790,000 | $ 298,000 |
| Auburn-Opelika, AL | 1 | $ 55,000 | $ 55,000 | $ 139,000 |
| Binghamton, NY | 1 | $ 595,000 | $ 595,000 | $ 218,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 405,000 | $ 405,000 | $ 595,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 435,000 | $ 435,000 | $ 229,000 |
| Harrisburg-Carlisle, PA | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Lancaster, PA | 1 | $ 355,000 | $ 355,000 | $ 235,000 |
| Lebanon, PA | 1 | $ 355,000 | $ 355,000 | $ 128,000 |
| Newark, NJ-PA | 1 | $ 395,000 | $ 395,000 | $ 218,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| Philadelphia, PA | 1 | $ 225,000 | $ 225,000 | $ 433,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 415,000 | $ 415,000 | $ 163,000 |
| Punta Gorda, FL | 1 | $ 365,000 | $ 365,000 | $ 15,000 |
| Raleigh, NC | 1 | $ 785,000 | $ 785,000 | $ 290,000 |
| Reading, PA | 1 | $ 365,000 | $ 365,000 | $ 213,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Fidelity Deposit & Discount Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 404 | $138,610,000 | $343,000 | $2,975,000 | $207,000 | $1,621,000 |
| Home Improvement | 334 | $27,310,000 | $81,000 | $505,000 | $133,000 | $1,127,000 |
| Cash-out Refinancing | 153 | $25,965,000 | $169,000 | $885,000 | $141,000 | $786,000 |
| Other Purpose | 90 | $11,200,000 | $124,000 | $1,305,000 | $140,000 | $552,000 |
| Refinancing | 2 | $300,000 | $150,000 | $205,000 | $135,000 | $160,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 769 | $143,715,000 | $186,000 | $2,205,000 | $160,000 | $1,621,000 |
| Not Provided | 92 | $35,090,000 | $381,000 | $2,975,000 | $222,000 | $1,053,000 |
| Hispanic | 62 | $9,260,000 | $149,000 | $1,105,000 | $112,000 | $670,000 |
| Asian | 26 | $9,290,000 | $357,000 | $1,295,000 | $234,000 | $688,000 |
| Not applicable | 23 | $5,255,000 | $228,000 | $785,000 | $0 | $0 |
| Black or African American | 7 | $405,000 | $57,000 | $105,000 | $116,000 | $191,000 |
| American Indian or Alaskan Native | 4 | $370,000 | $92,000 | $205,000 | $38,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 983 | $203,385,000 | $206,000 | $2,975,000 | $164,000 | $1,621,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 764 | $168,230,000 | $220,000 | $2,975,000 | $175,000 | $1,621,000 |
| Application Denied By Financial Institution | 91 | $10,545,000 | $115,000 | $595,000 | $95,000 | $420,000 |
| Application Withdrawn By Applicant | 62 | $10,120,000 | $163,000 | $1,045,000 | $147,000 | $852,000 |
| Application Approved But Not Accepted | 52 | $12,990,000 | $249,000 | $1,355,000 | $179,000 | $660,000 |
| File Closed For Incompleteness | 14 | $1,500,000 | $107,000 | $275,000 | $103,000 | $284,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 892 | $192,840,000 | $216,000 | $2,975,000 | $172,000 | $1,621,000 |
| Debt-To-Income Ratio | 54 | $6,860,000 | $127,000 | $595,000 | $76,000 | $307,000 |
| Credit History | 24 | $2,030,000 | $84,000 | $155,000 | $133,000 | $420,000 |
| Collateral | 9 | $935,000 | $103,000 | $205,000 | $96,000 | $145,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $291,000 | $291,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fidelity Deposit & Discount Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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