Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Fidelity Bank & Trust of Dubuque, IA reported 743 mortgage applications totaling $129.5 million, up 61% from 2015. The average application was for $174,327, and applicants reported an average income of $122,796. 90% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dubuque, IA (355), Cedar Rapids, IA (65) and Chicago-Naperville-Arlington Heights, IL (4) (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 | 743 |
| Total Mortgage Loan Application Amount | $129,525,000 |
| Average Mortgage Loan Application Amount | $174,327 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $122,796 |
| Highest Applicant Income | $1,191,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 355 | $ 58,039,000 | $ 163,490 | $ 99,000 |
| Clayton, Iowa | 67 | $ 12,750,000 | $ 190,298 | $ 200,000 |
| Fayette, Iowa | 50 | $ 4,704,000 | $ 94,080 | $ 92,000 |
| Jones, Iowa | 46 | $ 8,426,000 | $ 183,173 | $ 184,000 |
| Delaware, Iowa | 44 | $ 9,211,000 | $ 209,340 | $ 177,000 |
| Jackson, Iowa | 43 | $ 5,782,000 | $ 134,465 | $ 168,000 |
| Grant, Wisconsin | 28 | $ 3,033,000 | $ 108,321 | $ 54,000 |
| Jo Daviess, Illinois | 27 | $ 3,679,000 | $ 136,259 | $ 113,000 |
| Allamakee, Iowa | 19 | $ 2,221,000 | $ 116,894 | $ 91,000 |
| Linn, Iowa | 18 | $ 2,071,000 | $ 115,055 | $ 138,000 |
| Buchanan, Iowa | 10 | $ 900,000 | $ 90,000 | $ 221,000 |
| Winneshiek, Iowa | 4 | $ 653,000 | $ 163,250 | $ 41,000 |
| Cook, Illinois | 3 | $ 124,000 | $ 41,333 | $ 0 |
| Johnson, Iowa | 3 | $ 683,000 | $ 227,666 | $ 62,000 |
| Crawford, Wisconsin | 3 | $ 483,000 | $ 161,000 | $ 79,000 |
| Lafayette, Wisconsin | 3 | $ 459,000 | $ 153,000 | $ 276,000 |
| Black Hawk, Iowa | 2 | $ 304,000 | $ 152,000 | $ 23,000 |
| Clinton, Iowa | 2 | $ 397,000 | $ 198,500 | $ 268,000 |
| Scott, Iowa | 2 | $ 6,384,000 | $ 3,192,000 | $ 124,000 |
| Dane, Wisconsin | 2 | $ 748,000 | $ 374,000 | $ 136,000 |
| Kane, Illinois | 1 | $ 157,000 | $ 157,000 | $ 364,000 |
| Will, Illinois | 1 | $ 311,000 | $ 311,000 | $ 220,000 |
| Benton, Iowa | 1 | $ 84,000 | $ 84,000 | $ 54,000 |
| Bremer, Iowa | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Cedar, Iowa | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Grundy, Iowa | 1 | $ 29,000 | $ 29,000 | $ 106,000 |
| Hardin, Iowa | 1 | $ 127,000 | $ 127,000 | $ 130,000 |
| Muscatine, Iowa | 1 | $ 4,050,000 | $ 4,050,000 | $ 0 |
| Polk, Iowa | 1 | $ 120,000 | $ 120,000 | $ 159,000 |
| Houston, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 23,000 |
| Green, Wisconsin | 1 | $ 2,811,000 | $ 2,811,000 | $ 0 |
| Sauk, Wisconsin | 1 | $ 550,000 | $ 550,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2016
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 | 462 | $81,506,000 | $176,000 | $3,027,000 | $152,000 | $1,191,000 |
| Home Purchase | 224 | $43,727,000 | $195,000 | $6,000,000 | $76,000 | $364,000 |
| Home Improvement | 57 | $4,292,000 | $75,000 | $360,000 | $70,000 | $267,000 |
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 | 610 | $101,585,000 | $166,000 | $3,027,000 | $145,000 | $1,191,000 |
| Not applicable | 103 | $24,447,000 | $237,000 | $6,000,000 | $0 | $0 |
| Not Provided | 16 | $2,226,000 | $139,000 | $282,000 | $125,000 | $503,000 |
| Hispanic | 11 | $1,016,000 | $92,000 | $177,000 | $60,000 | $151,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $94,000 | $47,000 | $48,000 | $52,000 | $55,000 |
| Asian | 1 | $157,000 | $157,000 | $157,000 | $364,000 | $364,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 736 | $127,266,000 | $172,000 | $6,000,000 | $119,000 | $1,191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $2,259,000 | $322,000 | $1,026,000 | $469,000 | $1,081,000 |
| 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 | 665 | $119,581,000 | $179,000 | $6,000,000 | $129,000 | $1,191,000 |
| Application Denied By Financial Institution | 51 | $6,603,000 | $129,000 | $540,000 | $64,000 | $290,000 |
| Application Approved But Not Accepted | 22 | $2,852,000 | $129,000 | $311,000 | $76,000 | $220,000 |
| Application Withdrawn By Applicant | 4 | $439,000 | $109,000 | $197,000 | $66,000 | $97,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $48,000 | $48,000 |
| 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 2016 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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