# The Fidelity Deposit and Discount Bank

> **Canonical URL:** https://saferate.com/lenders/the-fidelity-deposit-and-discount-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Fidelity Deposit and Discount Bank is a bank, headquartered in Dunmore, PA, serving borrowers across 5 states, with 376 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002PR22PLR6S8J02
- **Headquarters:** Dunmore, PA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, GA, NJ, PA, SC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.251%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,599
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 376
- **Dollar Volume:** $130 million
- **Applications Received:** 424
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $345,213
- **Average Borrower Income:** $202,824
- **Average Property Value:** $455,665

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 352 | +0.265% | $1,625 | Strong 😀 |
| Jumbo | 73/100 | 24 | -0.169% | $821 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 325 loans, Score: 68/100 (Strong)
- Refinance: 27 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 23 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 348 | $124M | +0.218% | Strong 😀 |
| Refinance | 47/100 | 28 | $6M | +0.607% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 365 | 0.30% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Scranton | PA | 206 | 94/100 |
| Allentown | PA-NJ | 95 | 80/100 |
| Non |  | 55 | 46/100 |

## Where This Lender Ranks

The Fidelity Deposit and Discount Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Scranton
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders)
- 🥇 **#1** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🥇 **#1** in Scranton for Conventional Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Scranton for Jumbo Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Scranton for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Allentown for Jumbo Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Allentown for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Allentown Banks
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks)
- 🏆 **#5** in Allentown for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Allentown
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders)
- 🏆 **#8** in Pennsylvania Banks
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks)
- 🏆 **#8** in Pennsylvania for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Allentown for Conventional Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Pennsylvania for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#11** in Pennsylvania
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders)
- 🏆 **#12** in Pennsylvania for Conventional Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Pennsylvania for Jumbo Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does The Fidelity Deposit and Discount Bank offer?

The Fidelity Deposit and Discount Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Fidelity Deposit and Discount Bank offer mortgages?

The Fidelity Deposit and Discount Bank offers mortgages in 5 states: FL, GA, NJ, PA, SC.

### How competitive are The Fidelity Deposit and Discount Bank's mortgage rates?

The Fidelity Deposit and Discount Bank has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.251% above market average.

### What type of lender is The Fidelity Deposit and Discount Bank?

The Fidelity Deposit and Discount Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Dunmore, PA.

### What is The Fidelity Deposit and Discount Bank's loan approval success rate?

The Fidelity Deposit and Discount Bank has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-fidelity-deposit-and-discount-bank

### How to Cite

> "The Fidelity Deposit and Discount Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-fidelity-deposit-and-discount-bank

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