The Fidelity Deposit and Discount Bank mortgage approval rate & lending review
The Fidelity Deposit and Discount Bank decided 2,302 mortgage applications and funded 1,893 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Fidelity Deposit and Discount Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Fidelity Deposit and Discount Bank at a glance
Approval is 13.2 points above the 76.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 935 / 966 | 91% | $255K | 855 |
| Home improvement loans | 81% | 625 / 773 | 92% | $55K | 576 |
| Cash-out refinance | 84% | 239 / 286 | 94% | $105K | 224 |
| Investment property purchase | 98% | 189 / 193 | 94% | $175K | 177 |
| Investment cash-out refinance | 83% | 25 / 30 | 88% | $165K | 22 |
| Investment home improvement | 73% | 22 / 30 | 100% | $75K | 22 |
The Fidelity Deposit and Discount Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 89% | $175K | 2,247 | 1,846 |
| New Jersey | 95% | $225K | 21 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Fidelity Deposit and Discount Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lackawanna County, PA | Mortgage lenders | 97% | 390 | 352 |
| Lackawanna County, PA | Home improvement loans | 83% | 356 | 275 |
| Luzerne County, PA | Mortgage lenders | 98% | 208 | 186 |
| Luzerne County, PA | Home improvement loans | 79% | 213 | 157 |
| Northampton County, PA | Mortgage lenders | 96% | 179 | 155 |
| Lackawanna County, PA | Cash-out refinance | 80% | 153 | 115 |
| Northampton County, PA | Home improvement loans | 79% | 146 | 102 |
| Monroe County, PA | Mortgage lenders | 91% | 75 | 61 |
| Northampton County, PA | Cash-out refinance | 91% | 57 | 50 |
| Lackawanna County, PA | Investment property purchase | 100% | 52 | 49 |
| Lehigh County, PA | Mortgage lenders | 98% | 52 | 49 |
| Luzerne County, PA | Cash-out refinance | 86% | 58 | 45 |
The county markets where The Fidelity Deposit and Discount Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Fidelity Deposit and Discount Bank
What is The Fidelity Deposit and Discount Bank's mortgage approval rate?
The Fidelity Deposit and Discount Bank approved 89.2% of the 2,302 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 76.0% national rate for the same mix of loan types.
How often do borrowers take the loan The Fidelity Deposit and Discount Bank offers?
Borrowers accepted 92% of the loans The Fidelity Deposit and Discount Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Fidelity Deposit and Discount Bank make?
The typical home purchase mortgage loan The Fidelity Deposit and Discount Bank made was $255K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Fidelity Deposit and Discount Bank lend?
The Fidelity Deposit and Discount Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Florida.
Can I apply to The Fidelity Deposit and Discount Bank directly?
Yes. The Fidelity Deposit and Discount Bank is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Fidelity Deposit and Discount Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Fidelity Deposit and Discount Bank treats applications, then get a rate quote from the lender.