The Fidelity Deposit and Discount Bank in Pennsylvania vs the state
9.5%Denial rate-8.80 pts vs state
10.3%Decision denial rate-11.94 pts vs state
77.5%Origination rate+16.52 pts vs state
7.00%Median rate+0.38 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$120kMedian applicant income
743Loans originated
91Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 966 | 702 | 10.6% | 7.13% | #83 |
| 2024 | 940 | 717 | 12.1% | 7.25% | #84 |
| 2025 | 959 | 743 | 9.5% | 7.00% | #93 |
What The Fidelity Deposit and Discount Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most The Fidelity Deposit and Discount Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lackawanna County | 424 | 310 | 49 | 11.6% |
| Luzerne County | 200 | 166 | 16 | 8.0% |
| Northampton County | 175 | 136 | 15 | 8.6% |
| Monroe County | 42 | 34 | 3 | 7.1% |
| Lehigh County | 33 | 29 | 1 | 3.0% |
| Wyoming County | 20 | 17 | 0 | 0.0% |
| Wayne County | 18 | 16 | 2 | 11.1% |
| Carbon County | 12 | 6 | 1 | 8.3% |
| Pike County | 10 | 10 | 0 | 0.0% |
| Susquehanna County | 7 | 3 | 3 | 42.9% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 959 applications in 2025, of which 743 were originated and 91 denied.
9.5% of all applications, or 10.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans The Fidelity Deposit and Discount Bank originated in Pennsylvania in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are The Fidelity Deposit and Discount Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology