Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2013
In 2013, Fidelity Deposit & Discount Bank of Scranton, PA reported 1,024 mortgage applications totaling $144.5 million, up 4% from 2012. The average application was for $141,140, and applicants reported an average income of $97,711. 75% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Scranton--Wilkes-Barre, PA (953), Newark-Union, NJ-PA (7) and Philadelphia, PA (4) (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 | 1,024 |
| Total Mortgage Loan Application Amount | $144,528,000 |
| Average Mortgage Loan Application Amount | $141,140 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $97,711 |
| Highest Applicant Income | $995,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 496 | $76,360,000 | $153,000 | $2,130,000 | $95,000 | $850,000 |
| Home Purchase | 295 | $58,825,000 | $199,000 | $2,500,000 | $121,000 | $995,000 |
| Home Improvement | 233 | $9,343,000 | $40,000 | $640,000 | $74,000 | $765,000 |
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 | 879 | $118,822,000 | $135,000 | $2,130,000 | $102,000 | $995,000 |
| Not Provided | 74 | $6,373,000 | $86,000 | $417,000 | $83,000 | $348,000 |
| Not applicable | 40 | $13,881,000 | $347,000 | $2,500,000 | $0 | $0 |
| Asian | 15 | $3,641,000 | $242,000 | $578,000 | $170,000 | $518,000 |
| Hispanic | 10 | $1,103,000 | $110,000 | $271,000 | $64,000 | $121,000 |
| Black or African American | 6 | $708,000 | $118,000 | $393,000 | $135,000 | $416,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,023 | $144,426,000 | $141,000 | $2,500,000 | $98,000 | $995,000 |
| FHA-insured (Federal Housing Administration) | 1 | $102,000 | $102,000 | $102,000 | $28,000 | $28,000 |
| 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 | 773 | $117,129,000 | $151,000 | $2,500,000 | $106,000 | $995,000 |
| Application Denied By Financial Institution | 171 | $16,887,000 | $98,000 | $957,000 | $59,000 | $331,000 |
| Application Approved But Not Accepted | 44 | $6,047,000 | $137,000 | $432,000 | $105,000 | $452,000 |
| Application Withdrawn By Applicant | 29 | $3,341,000 | $115,000 | $598,000 | $83,000 | $198,000 |
| File Closed For Incompleteness | 7 | $1,124,000 | $160,000 | $417,000 | $92,000 | $377,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 77 | $4,826,000 | $62,000 | $325,000 | $51,000 | $157,000 |
| Debt-To-Income Ratio | 46 | $5,827,000 | $126,000 | $957,000 | $43,000 | $192,000 |
| Collateral | 38 | $5,277,000 | $138,000 | $490,000 | $97,000 | $331,000 |
| Other | 3 | $262,000 | $87,000 | $210,000 | $69,000 | $105,000 |
| Unverifiable Information | 1 | $64,000 | $64,000 | $64,000 | $10,000 | $10,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $102,000 | $102,000 | $102,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2013 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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