Lender profile · HMDA 2023–2025
The Fidelity Deposit and Discount Bank mortgage approval rates & lending data
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.
Approval 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 |
| Florida | 100% | $405K | 14 | 12 |
| Virginia | 100% | $125K | 7 | 4 |
| Maryland | 100% | $1.50M | 4 | 2 |
| Colorado | 100% | $435K | 2 | 2 |
| Tennessee | 100% | $55K | 2 | 2 |
| Delaware | 100% | $75K | 1 | 1 |
| Georgia | 100% | $255K | 1 | 1 |
| Indiana | 100% | $285K | 1 | 1 |
| New York | 100% | $595K | 1 | 1 |
| South Carolina | 100% | $175K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.