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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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FIDELITY BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIDELITY BANK & TRUST |
| Address | 208 2ND STREET SE
DYERSVILLE, IA 52040 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 119 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,929,000 |
| Average Mortgage Loan Amount Applied For | $121,625 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $43,375 |
| Highest Applicant Income | $167,000 |
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| Home Improvement |
12 | $457,000 |
$38,000 | $98,000 |
$54,000 | $105,000 |
| Home Purchase |
55 | $6,334,000 |
$115,000 | $500,000 |
$32,000 | $157,000 |
| Refinancing |
52 | $4,138,000 |
$79,000 | $343,000 |
$45,000 | $167,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $8,000 |
$8,000 | $8,000 |
$98,000 | $98,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
21 | $2,839,000 |
$135,000 | $500,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
97 | $8,082,000 |
$83,000 | $343,000 |
$48,000 | $167,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
119 | $10,929,000 |
$91,000 | $500,000 |
$40,000 | $167,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
3 | $275,000 |
$91,000 | $132,000 |
$80,000 | $106,000 |
| Application Denied By Financial Institution |
3 | $396,000 |
$132,000 | $150,000 |
$20,000 | $31,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
113 | $10,258,000 |
$90,000 | $500,000 |
$39,000 | $167,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $150,000 |
$150,000 | $150,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $96,000 |
$96,000 | $96,000 |
$29,000 | $29,000 |
| Debt-To-Income Ratio |
1 | $150,000 |
$150,000 | $150,000 |
$31,000 | $31,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIDELITY BANK & TRUST by:
Metropolitan Area And
County
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