Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2021
In 2021, Fidelity Deposit & Discount Bank of Scranton, PA reported 1,574 mortgage applications totaling $362.9 million, up 8% from 2020. The average application was for $230,584, and applicants reported an average income of $166,418. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (1,025), Allentown-Bethlehem-Easton, PA-NJ (334) and East Stroudsburg, PA (42) (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 | 1,574 |
| Total Mortgage Loan Application Amount | $362,940,000 |
| Average Mortgage Loan Application Amount | $230,584 |
| Highest Mortgage Loan Application Amount | $2,305,000 |
| Average Applicant Income | $166,418 |
| Highest Applicant Income | $3,611,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 656 | $179,250,000 | $273,000 | $2,005,000 | $174,000 | $1,945,000 |
| Cash-out Refinancing | 530 | $111,420,000 | $210,000 | $2,305,000 | $159,000 | $3,611,000 |
| Refinancing | 224 | $52,130,000 | $232,000 | $1,405,000 | $186,000 | $1,871,000 |
| Home Improvement | 102 | $10,560,000 | $103,000 | $2,005,000 | $125,000 | $682,000 |
| Other Purpose | 62 | $9,580,000 | $154,000 | $1,075,000 | $147,000 | $1,001,000 |
| 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 | 1,296 | $299,470,000 | $231,000 | $2,005,000 | $167,000 | $3,611,000 |
| Not Provided | 112 | $22,930,000 | $204,000 | $885,000 | $165,000 | $1,104,000 |
| Not applicable | 52 | $13,760,000 | $264,000 | $2,305,000 | $0 | $0 |
| Hispanic | 42 | $6,370,000 | $151,000 | $545,000 | $74,000 | $168,000 |
| Asian | 37 | $10,685,000 | $288,000 | $895,000 | $224,000 | $800,000 |
| Black or African American | 14 | $3,050,000 | $217,000 | $505,000 | $117,000 | $354,000 |
| American Indian or Alaskan Native | 3 | $395,000 | $131,000 | $165,000 | $69,000 | $80,000 |
| 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) | 1,574 | $362,940,000 | $230,000 | $2,305,000 | $166,000 | $3,611,000 |
| 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 | 1,322 | $317,770,000 | $240,000 | $2,305,000 | $172,000 | $3,611,000 |
| Application Withdrawn By Applicant | 103 | $14,855,000 | $144,000 | $955,000 | $119,000 | $704,000 |
| Application Approved But Not Accepted | 83 | $21,205,000 | $255,000 | $975,000 | $182,000 | $1,001,000 |
| Application Denied By Financial Institution | 59 | $8,125,000 | $137,000 | $505,000 | $100,000 | $600,000 |
| File Closed For Incompleteness | 7 | $985,000 | $140,000 | $545,000 | $140,000 | $358,000 |
| 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 | 1,515 | $354,815,000 | $234,000 | $2,305,000 | $169,000 | $3,611,000 |
| Debt-To-Income Ratio | 23 | $3,055,000 | $132,000 | $405,000 | $58,000 | $154,000 |
| Credit History | 21 | $1,965,000 | $93,000 | $315,000 | $116,000 | $600,000 |
| Collateral | 13 | $2,795,000 | $215,000 | $505,000 | $157,000 | $470,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $89,000 | $89,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2021 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