Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2010
In 2010, Fidelity Deposit & Discount Bank of Scranton, PA reported 656 mortgage applications totaling $83.6 million, down 30% from 2009. The average application was for $127,446, and applicants reported an average income of $85,131. 70% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Scranton--Wilkes-Barre, PA (616), Newark-Union, NJ-PA (4) and Allentown-Bethlehem-Easton, PA-NJ (3) (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 | 656 |
| Total Mortgage Loan Application Amount | $83,605,000 |
| Average Mortgage Loan Application Amount | $127,446 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $85,131 |
| Highest Applicant Income | $1,300,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 370 | $57,196,000 | $154,000 | $417,000 | $91,000 | $1,300,000 |
| Home Improvement | 146 | $3,665,000 | $25,000 | $350,000 | $56,000 | $360,000 |
| Home Purchase | 140 | $22,744,000 | $162,000 | $605,000 | $100,000 | $554,000 |
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 | 616 | $78,461,000 | $127,000 | $605,000 | $87,000 | $1,300,000 |
| Not applicable | 15 | $1,553,000 | $103,000 | $217,000 | $0 | $0 |
| Hispanic | 11 | $1,381,000 | $125,000 | $384,000 | $70,000 | $276,000 |
| Not Provided | 9 | $1,456,000 | $161,000 | $417,000 | $95,000 | $416,000 |
| Asian | 2 | $251,000 | $125,000 | $203,000 | $217,000 | $411,000 |
| Black or African American | 2 | $121,000 | $60,000 | $77,000 | $23,000 | $34,000 |
| American Indian or Alaskan Native | 1 | $382,000 | $382,000 | $382,000 | $183,000 | $183,000 |
| 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) | 656 | $83,605,000 | $127,000 | $605,000 | $85,000 | $1,300,000 |
| 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 | 457 | $62,117,000 | $135,000 | $605,000 | $92,000 | $790,000 |
| Application Denied By Financial Institution | 143 | $12,795,000 | $89,000 | $410,000 | $48,000 | $235,000 |
| Application Withdrawn By Applicant | 42 | $7,186,000 | $171,000 | $400,000 | $130,000 | $1,300,000 |
| Application Approved But Not Accepted | 13 | $1,372,000 | $105,000 | $445,000 | $100,000 | $345,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $154,000 | $154,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 69 | $8,314,000 | $120,000 | $410,000 | $50,000 | $177,000 |
| Credit History | 54 | $2,617,000 | $48,000 | $208,000 | $44,000 | $235,000 |
| Collateral | 8 | $1,069,000 | $133,000 | $350,000 | $97,000 | $190,000 |
| Other | 8 | $698,000 | $87,000 | $168,000 | $30,000 | $103,000 |
| Employment History | 2 | $45,000 | $22,000 | $25,000 | $27,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $44,000 | $44,000 | $44,000 | $28,000 | $28,000 |
| Unverifiable Information | 1 | $8,000 | $8,000 | $8,000 | $28,000 | $28,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2010 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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