Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2020
In 2020, Fidelity Deposit & Discount Bank of Scranton, PA reported 1,451 mortgage applications totaling $292.4 million, up 93% from 2019. The average application was for $201,492, and applicants reported an average income of $145,199. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (1,133), Allentown-Bethlehem-Easton, PA-NJ (174) and Montgomery County-Bucks County-Chester County, PA (20) (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 | 1,451 |
| Total Mortgage Loan Application Amount | $292,365,000 |
| Average Mortgage Loan Application Amount | $201,492 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $145,199 |
| Highest Applicant Income | $1,138,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 560 | $106,460,000 | $190,000 | $705,000 | $142,000 | $1,138,000 |
| Home Purchase | 471 | $110,695,000 | $235,000 | $1,875,000 | $149,000 | $1,020,000 |
| Refinancing | 274 | $61,340,000 | $223,000 | $1,005,000 | $158,000 | $1,005,000 |
| Home Improvement | 95 | $6,635,000 | $69,000 | $355,000 | $117,000 | $683,000 |
| Other Purpose | 51 | $7,235,000 | $141,000 | $1,685,000 | $129,000 | $872,000 |
| 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 | 1,298 | $259,430,000 | $199,000 | $1,875,000 | $143,000 | $1,138,000 |
| Not Provided | 61 | $12,205,000 | $200,000 | $765,000 | $177,000 | $710,000 |
| Asian | 32 | $9,950,000 | $310,000 | $585,000 | $224,000 | $960,000 |
| Hispanic | 22 | $3,570,000 | $162,000 | $515,000 | $96,000 | $303,000 |
| Not applicable | 19 | $2,565,000 | $135,000 | $435,000 | $0 | $0 |
| Black or African American | 7 | $1,835,000 | $262,000 | $455,000 | $136,000 | $335,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $42,000 | $42,000 |
| 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) | 1,451 | $292,365,000 | $201,000 | $1,875,000 | $145,000 | $1,138,000 |
| 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 | 1,171 | $249,355,000 | $212,000 | $1,875,000 | $155,000 | $1,138,000 |
| Application Denied By Financial Institution | 116 | $16,980,000 | $146,000 | $705,000 | $84,000 | $328,000 |
| Application Withdrawn By Applicant | 109 | $15,935,000 | $146,000 | $515,000 | $116,000 | $980,000 |
| Application Approved But Not Accepted | 50 | $9,130,000 | $182,000 | $525,000 | $131,000 | $590,000 |
| File Closed For Incompleteness | 5 | $965,000 | $193,000 | $435,000 | $90,000 | $115,000 |
| 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 | 1,335 | $275,385,000 | $206,000 | $1,875,000 | $151,000 | $1,138,000 |
| Debt-To-Income Ratio | 51 | $7,055,000 | $138,000 | $705,000 | $51,000 | $161,000 |
| Credit History | 33 | $4,235,000 | $128,000 | $505,000 | $93,000 | $215,000 |
| Collateral | 26 | $4,880,000 | $187,000 | $515,000 | $146,000 | $328,000 |
| Unverifiable Information | 3 | $575,000 | $191,000 | $225,000 | $37,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $95,000 | $60,000 | $68,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $104,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2020 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About