Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2016
In 2016, Fidelity Deposit & Discount Bank of Scranton, PA reported 599 mortgage applications totaling $88.9 million, down 7% from 2015. The average application was for $148,398, and applicants reported an average income of $118,602. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (554), Ocean City, NJ (5) and Newark, NJ-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 | 599 |
| Total Mortgage Loan Application Amount | $88,891,000 |
| Average Mortgage Loan Application Amount | $148,398 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $118,602 |
| Highest Applicant Income | $952,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 285 | $54,763,000 | $192,000 | $883,000 | $132,000 | $803,000 |
| Home Improvement | 183 | $13,170,000 | $71,000 | $525,000 | $86,000 | $663,000 |
| Refinancing | 131 | $20,958,000 | $159,000 | $1,200,000 | $135,000 | $952,000 |
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 | 487 | $70,968,000 | $145,000 | $1,200,000 | $127,000 | $952,000 |
| Not Provided | 44 | $5,687,000 | $129,000 | $533,000 | $112,000 | $547,000 |
| Not applicable | 39 | $6,603,000 | $169,000 | $525,000 | $0 | $0 |
| Asian | 18 | $4,233,000 | $235,000 | $543,000 | $201,000 | $412,000 |
| Hispanic | 8 | $884,000 | $110,000 | $300,000 | $63,000 | $140,000 |
| Black or African American | 3 | $516,000 | $172,000 | $417,000 | $143,000 | $320,000 |
| Native Hawaiin 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) | 599 | $88,891,000 | $148,000 | $1,200,000 | $119,000 | $952,000 |
| 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 | 489 | $78,785,000 | $161,000 | $1,200,000 | $128,000 | $952,000 |
| Application Denied By Financial Institution | 61 | $4,668,000 | $76,000 | $855,000 | $58,000 | $300,000 |
| Application Approved But Not Accepted | 32 | $3,707,000 | $115,000 | $400,000 | $108,000 | $700,000 |
| Application Withdrawn By Applicant | 16 | $1,721,000 | $107,000 | $525,000 | $84,000 | $567,000 |
| File Closed For Incompleteness | 1 | $10,000 | $10,000 | $10,000 | $55,000 | $55,000 |
| 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 | 22 | $859,000 | $39,000 | $131,000 | $60,000 | $300,000 |
| Collateral | 21 | $1,797,000 | $85,000 | $304,000 | $66,000 | $180,000 |
| Debt-To-Income Ratio | 14 | $1,208,000 | $86,000 | $855,000 | $45,000 | $269,000 |
| Mortgage Insurance Denied | 1 | $157,000 | $157,000 | $157,000 | $106,000 | $106,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $119,000 | $119,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2016 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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