Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Fidelity Bank & Trust of Dubuque, IA reported 461 mortgage applications totaling $62.6 million, up 31% from 2008. The average application was for $135,887, and applicants reported an average income of $56,956. 88% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dubuque, IA (203), Waterloo-Cedar Falls, IA (9) and Cedar Rapids, IA (8) (applications in parentheses).
| Mortgage Company & Address | Fidelity Bank & Trust 4250 Asbury Road Dubuque, IA 52002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 461 |
| Total Mortgage Loan Application Amount | $62,644,000 |
| Average Mortgage Loan Application Amount | $135,887 |
| Highest Mortgage Loan Application Amount | $2,627,000 |
| Average Applicant Income | $56,956 |
| Highest Applicant Income | $1,054,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dubuque, Iowa | 203 | $ 27,410,000 | $ 135,024 | $ 47,000 |
| Fayette, Iowa | 90 | $ 8,017,000 | $ 89,077 | $ 90,000 |
| Clayton, Iowa | 57 | $ 6,705,000 | $ 117,631 | $ 45,000 |
| Delaware, Iowa | 44 | $ 9,951,000 | $ 226,159 | $ 49,000 |
| Buchanan, Iowa | 32 | $ 2,595,000 | $ 81,093 | $ 58,000 |
| Bremer, Iowa | 8 | $ 1,878,000 | $ 234,750 | $ 13,000 |
| Linn, Iowa | 8 | $ 903,000 | $ 112,875 | $ 74,000 |
| Jo Daviess, Illinois | 5 | $ 3,513,000 | $ 702,600 | $ 139,000 |
| Jackson, Iowa | 4 | $ 584,000 | $ 146,000 | $ 0 |
| Butler, Iowa | 2 | $ 81,000 | $ 40,500 | $ 72,000 |
| Johnson, Iowa | 2 | $ 248,000 | $ 124,000 | $ 46,000 |
| Black Hawk, Iowa | 1 | $ 41,000 | $ 41,000 | $ 40,000 |
| Chickasaw, Iowa | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Floyd, Iowa | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Franklin, Iowa | 1 | $ 183,000 | $ 183,000 | $ 363,000 |
| Muscatine, Iowa | 1 | $ 296,000 | $ 296,000 | $ 112,000 |
| Scott, Iowa | 1 | $ 123,000 | $ 123,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 330 | $50,950,000 | $154,000 | $2,627,000 | $60,000 | $1,054,000 |
| Home Purchase | 81 | $8,683,000 | $107,000 | $766,000 | $47,000 | $295,000 |
| Home Improvement | 50 | $3,011,000 | $60,000 | $275,000 | $53,000 | $363,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 415 | $53,155,000 | $128,000 | $2,107,000 | $64,000 | $1,054,000 |
| Not applicable | 46 | $9,489,000 | $206,000 | $2,627,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 456 | $61,285,000 | $134,000 | $2,627,000 | $56,000 | $1,054,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,359,000 | $271,000 | $400,000 | $181,000 | $488,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 404 | $56,461,000 | $139,000 | $2,627,000 | $59,000 | $1,054,000 |
| Application Denied By Financial Institution | 37 | $3,052,000 | $82,000 | $965,000 | $44,000 | $97,000 |
| Application Approved But Not Accepted | 12 | $700,000 | $58,000 | $129,000 | $41,000 | $85,000 |
| Application Withdrawn By Applicant | 7 | $1,951,000 | $278,000 | $1,317,000 | $39,000 | $74,000 |
| File Closed For Incompleteness | 1 | $480,000 | $480,000 | $480,000 | $47,000 | $47,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank & Trust's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fidelity Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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