The Fidelity Deposit And Discount Bank Mortgage Rates, Fees & Info
Dunmore, PALEI: 5493002PR22PLR6S8J02
Tax ID: 24-0578040
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
The Fidelity Deposit And Discount Bank is a smaller bank specializing in Home Purchase loans. The Fidelity Deposit And Discount Bank has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, Allentown, East Stroudsburg, Philadelphia, and New York among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)The Fidelity Deposit And Discount Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Fidelity Deposit And Discount Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.47% | 12/16/24 |
| 30 Year Conventional Purchase | 6.71% | 12/16/24 |
| 30 Year Conventional Refi | 6.61% | 12/16/24 |
| 30 Year Cash-out Refi | 6.65% | 12/16/24 |
| 15 Year Conventional Purchase | 6.07% | 12/16/24 |
| 15 Year Conventional Refi | 5.98% | 12/16/24 |
| 15 Year Cash-out Refi | 5.98% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
The Fidelity Deposit And Discount Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from The Fidelity Deposit And Discount Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,110Origination Dollar Volume (All Markets)
$239,160,000Awards
The Fidelity Deposit and Discount Bank - 2022
The Fidelity Deposit and Discount Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for The Fidelity Deposit and Discount Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 721 | $125,175,000 | $173,613 | $4,210 | 4.66% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 238 | $68,530,000 | $287,941 | $4,050 | 4.69% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 54 | $12,010,000 | $222,407 | $4,619 | 5.21% |
| Outside of Metro Areas | 20 | $7,490,000 | $374,500 | $7,707 | 4.43% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 18 | $5,520,000 | $306,667 | $4,697 | 4.67% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 16 | $3,360,000 | $210,000 | $4,087 | 5.00% |
| READING, PA (FHA|USDA|VA) | 3 | $2,095,000 | $698,333 | $6,380 | 4.96% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,655,000 | $1,655,000 | $8,773 | 3.13% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $1,435,000 | $1,435,000 | $7,528 | 4.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $21,838 | 3.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $5,876 | 4.96% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $9,685 | 3.31% |
| Pottsville, PA (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $4,510 | 4.30% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,731 | 4.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,076 | 4.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,930 | 4.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $13,085 | 5.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,811 | 4.60% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,313 | 5.13% |
| Edwards, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 2.74% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,234 | 4.50% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,937 | 6.38% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,959 | 5.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,502 | 5.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,415 | 5.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,199 | 4.00% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,409 | 5.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,218 | 3.94% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,810 | 5.13% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.50% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.49% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.24% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.24% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.99% |
| Sayre, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,931 | 5.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $560 | 4.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against The Fidelity Deposit and Discount Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 24
Similarity Rank: 154
Similarity Rank: 168
Similarity Rank: 288
Similarity Rank: 441
Similarity Rank: 450
Similarity Rank: 481
Similarity Rank: 630
Similarity Rank: 672
Similarity Rank: 676
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 807 | $205,625,000 | $254,802 | $4,343 | 4.79% |
| HELOC | 303 | $33,535,000 | $110,677 | n/a | 4.43% |
For 2022, The Fidelity Deposit And Discount Bank's most frequently originated type of loan was Conventional, with 807 originations. Their 2nd most popular type was HELOC, with 303 originations.
Loan Reason
For 2022, The Fidelity Deposit And Discount Bank's most frequently cited loan purpose was Home Purchase, with 517 originations. The 2nd most popular reason was Home Improvement, with 313 originations.
Loan Duration/Length
For 2022, The Fidelity Deposit And Discount Bank's most frequently cited loan duration was 30 Year, with 428 originations. The 2nd most popular length was Other, with 306 originations.
Origination Fees/Closing Costs
The Fidelity Deposit And Discount Bank's average total fees were $5,246, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 426 originations.
Interest Rates
During 2022, The Fidelity Deposit And Discount Bank's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 4-5%, with 303 originations.
Loan Sizing
2022 saw The Fidelity Deposit And Discount Bank place emphasis on $100,000 or less loans with 404 originations, totaling $21,830,000 in origination value.
Applicant Income
The Fidelity Deposit And Discount Bank lent most frequently to those with incomes in the $100k-150k range, with 228 originations. The second most popular income band? $150k-250k, with 219 originations.
Applicant Debt to Income Ratio
The Fidelity Deposit And Discount Bank lent most frequently to those with DTI ratios of 20-30%, with 263 originations. The next most common DTI ratio? 30-36%, with 203 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.32%
The Fidelity Deposit And Discount Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.24%
The Fidelity Deposit And Discount Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,110 | $239,160,000 | $215,459 |