Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2009
In 2009, Fidelity Deposit & Discount Bank of Scranton, PA reported 934 mortgage applications totaling $136.7 million, up 66% from 2008. The average application was for $146,316, and applicants reported an average income of $93,031. 80% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Scranton--Wilkes-Barre, PA (892), Newark-Union, NJ-PA (3) and Allentown-Bethlehem-Easton, PA-NJ (1) (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 | 934 |
| Total Mortgage Loan Application Amount | $136,660,000 |
| Average Mortgage Loan Application Amount | $146,316 |
| Highest Mortgage Loan Application Amount | $2,575,000 |
| Average Applicant Income | $93,031 |
| Highest Applicant Income | $3,100,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Fidelity Deposit & Discount Bank in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 596 | $102,534,000 | $172,000 | $2,300,000 | $98,000 | $2,776,000 |
| Home Improvement | 175 | $6,761,000 | $38,000 | $850,000 | $78,000 | $3,100,000 |
| Home Purchase | 163 | $27,365,000 | $167,000 | $2,575,000 | $91,000 | $2,881,000 |
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 | 869 | $121,625,000 | $139,000 | $950,000 | $96,000 | $3,100,000 |
| Not applicable | 31 | $9,393,000 | $303,000 | $2,575,000 | $43,000 | $443,000 |
| Hispanic | 22 | $3,941,000 | $179,000 | $406,000 | $78,000 | $276,000 |
| Not Provided | 6 | $458,000 | $76,000 | $100,000 | $59,000 | $155,000 |
| Black or African American | 2 | $482,000 | $241,000 | $355,000 | $216,000 | $392,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $265,000 | $132,000 | $174,000 | $79,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $244,000 | $244,000 | $244,000 | $112,000 | $112,000 |
| Asian | 1 | $252,000 | $252,000 | $252,000 | $73,000 | $73,000 |
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) | 933 | $136,640,000 | $146,000 | $2,575,000 | $93,000 | $3,100,000 |
| VA-guaranteed (Veterans Administration) | 1 | $20,000 | $20,000 | $20,000 | $10,000 | $10,000 |
| 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 |
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 | 750 | $116,718,000 | $155,000 | $2,575,000 | $100,000 | $3,100,000 |
| Application Denied By Financial Institution | 107 | $9,379,000 | $87,000 | $740,000 | $53,000 | $440,000 |
| Application Withdrawn By Applicant | 60 | $8,349,000 | $139,000 | $417,000 | $71,000 | $230,000 |
| Application Approved But Not Accepted | 15 | $1,975,000 | $131,000 | $320,000 | $141,000 | $940,000 |
| Loan Purchased By The Institution | 2 | $239,000 | $119,000 | $132,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 53 | $2,586,000 | $48,000 | $470,000 | $50,000 | $131,000 |
| Debt-To-Income Ratio | 24 | $2,465,000 | $102,000 | $417,000 | $39,000 | $144,000 |
| Collateral | 7 | $911,000 | $130,000 | $417,000 | $101,000 | $185,000 |
| Mortgage Insurance Denied | 7 | $1,065,000 | $152,000 | $295,000 | $68,000 | $99,000 |
| Other | 5 | $273,000 | $54,000 | $160,000 | $52,000 | $96,000 |
| Unverifiable Information | 1 | $200,000 | $200,000 | $200,000 | $130,000 | $130,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2009 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.
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