The Fidelity Deposit and Discount Bank
The Fidelity Deposit and Discount Bank received 983 applications in 2025 and made 764 mortgages, in 41 counties across 9 states. The median rate its borrowers got was 7.000% on a median loan of $145,000. Of 907 decisions, 91 were denials — 10.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002PR22PLR6S8J02 |
|---|---|
| Applications received | 983 |
| Mortgages made | 764 |
| Denied | 91 |
| Approved, not taken up | 52 |
| Withdrawn or incomplete | 76 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | Yes: The Fidelity Deposit and Discount Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 358 | 6.875% | $255,000 | 2.3% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 109 | 7.375% | $125,000 | 17.1% |
| Other purposes | 296 | 7.250% | $65,000 | 15.2% |
Where The Fidelity Deposit and Discount Bank lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lackawanna County, PA | 310 | 7.125% | 12.8% |
| Luzerne County, PA | 166 | 7.000% | 8.3% |
| Northampton County, PA | 136 | 7.125% | 9.4% |
| Monroe County, PA | 34 | 7.125% | 7.5% |
| Lehigh County, PA | 29 | 6.875% | 3.1% |
| Wyoming County, PA | 17 | 7.000% | 0.0% |
| Wayne County, PA | 16 | 7.240% | 11.1% |
| Pike County, PA | 10 | 7.870% | 0.0% |
| Carbon County, PA | 6 | Under 10 loans | 11.1% |
| Montgomery County, PA | 6 | Under 10 loans | 0.0% |
| Cape May County, NJ | 3 | Under 10 loans | 0.0% |
| Susquehanna County, PA | 3 | Under 10 loans | 50.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| Warren County, NJ | 2 | Under 10 loans | 0.0% |
| Bucks County, PA | 2 | Under 10 loans | 33.3% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Franklin County, NC | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 0.0% |
| Lebanon County, PA | 1 | Under 10 loans | 0.0% |
| Montour County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 0 | Under 10 loans | Not published |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Otsego County, NY | 0 | Under 10 loans | Not published |
| Chester County, PA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.