Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2022
In 2022, Fidelity Deposit & Discount Bank of Scranton, PA reported 1,406 mortgage applications totaling $282.8 million, down 11% from 2021. The average application was for $201,102, and applicants reported an average income of $151,344. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (922), Allentown-Bethlehem-Easton, PA-NJ (289) and East Stroudsburg, PA (74) (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 | 1,406 |
| Total Mortgage Loan Application Amount | $282,750,000 |
| Average Mortgage Loan Application Amount | $201,102 |
| Highest Mortgage Loan Application Amount | $18,555,000 |
| Average Applicant Income | $151,344 |
| Highest Applicant Income | $6,077,000 |
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Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 582 | $184,970,000 | $317,000 | $18,555,000 | $164,000 | $2,954,000 |
| Home Improvement | 430 | $38,080,000 | $88,000 | $2,145,000 | $157,000 | $6,077,000 |
| Cash-out Refinancing | 231 | $39,655,000 | $171,000 | $2,005,000 | $135,000 | $1,534,000 |
| Other Purpose | 107 | $10,785,000 | $100,000 | $455,000 | $112,000 | $793,000 |
| Refinancing | 56 | $9,260,000 | $165,000 | $645,000 | $119,000 | $472,000 |
| 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 | 1,151 | $210,545,000 | $182,000 | $2,725,000 | $152,000 | $6,077,000 |
| Not Provided | 101 | $21,895,000 | $216,000 | $1,165,000 | $193,000 | $4,500,000 |
| Hispanic | 65 | $9,065,000 | $139,000 | $855,000 | $74,000 | $284,000 |
| Not applicable | 35 | $26,745,000 | $764,000 | $18,555,000 | $0 | $0 |
| Asian | 31 | $9,315,000 | $300,000 | $1,435,000 | $126,000 | $359,000 |
| Black or African American | 13 | $2,675,000 | $205,000 | $455,000 | $135,000 | $252,000 |
| American Indian or Alaskan Native | 3 | $1,105,000 | $368,000 | $825,000 | $283,000 | $766,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $75,000 | $75,000 |
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) | 1,406 | $282,750,000 | $201,000 | $18,555,000 | $151,000 | $6,077,000 |
| 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 | 1,110 | $239,160,000 | $215,000 | $18,555,000 | $150,000 | $2,954,000 |
| Application Withdrawn By Applicant | 113 | $12,765,000 | $112,000 | $1,235,000 | $210,000 | $6,077,000 |
| Application Denied By Financial Institution | 108 | $16,470,000 | $152,000 | $1,925,000 | $77,000 | $400,000 |
| Application Approved But Not Accepted | 73 | $14,305,000 | $195,000 | $755,000 | $177,000 | $1,534,000 |
| File Closed For Incompleteness | 2 | $50,000 | $25,000 | $35,000 | $424,000 | $819,000 |
| 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 | 1,298 | $266,280,000 | $205,000 | $18,555,000 | $157,000 | $6,077,000 |
| Debt-To-Income Ratio | 52 | $7,440,000 | $143,000 | $755,000 | $55,000 | $201,000 |
| Credit History | 35 | $4,435,000 | $126,000 | $1,925,000 | $79,000 | $400,000 |
| Collateral | 17 | $4,335,000 | $255,000 | $955,000 | $128,000 | $373,000 |
| Other | 3 | $235,000 | $78,000 | $135,000 | $140,000 | $167,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $37,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2022 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.
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