Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Fidelity Bank & Trust of Dubuque, IA reported 453 mortgage applications totaling $59.5 million, down 18% from 2017. The average application was for $131,269, and applicants reported an average income of $109,037. 84% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dubuque, IA (206), Cedar Rapids, IA (42) and Waterloo-Cedar Falls, IA (3) (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 | 453 |
| Total Mortgage Loan Application Amount | $59,465,000 |
| Average Mortgage Loan Application Amount | $131,269 |
| Highest Mortgage Loan Application Amount | $2,725,000 |
| Average Applicant Income | $109,037 |
| Highest Applicant Income | $878,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 206 | $ 28,780,000 | $ 139,708 | $ 98,000 |
| Fayette, Iowa | 39 | $ 4,715,000 | $ 120,897 | $ 94,000 |
| Clayton, Iowa | 34 | $ 3,510,000 | $ 103,235 | $ 135,000 |
| Jones, Iowa | 32 | $ 3,810,000 | $ 119,062 | $ 130,000 |
| Grant, Wisconsin | 27 | $ 2,805,000 | $ 103,888 | $ 246,000 |
| Jo Daviess, Illinois | 24 | $ 2,310,000 | $ 96,250 | $ 81,000 |
| Jackson, Iowa | 23 | $ 2,085,000 | $ 90,652 | $ 82,000 |
| Allamakee, Iowa | 15 | $ 1,845,000 | $ 123,000 | $ 55,000 |
| Delaware, Iowa | 15 | $ 2,165,000 | $ 144,333 | $ 112,000 |
| Buchanan, Iowa | 11 | $ 1,255,000 | $ 114,090 | $ 61,000 |
| Linn, Iowa | 9 | $ 1,235,000 | $ 137,222 | $ 89,000 |
| Black Hawk, Iowa | 2 | $ 160,000 | $ 80,000 | $ 80,000 |
| Clinton, Iowa | 2 | $ 310,000 | $ 155,000 | $ 74,000 |
| Dickinson, Iowa | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Winneshiek, Iowa | 2 | $ 210,000 | $ 105,000 | $ 43,000 |
| Lafayette, Wisconsin | 2 | $ 90,000 | $ 45,000 | $ 76,000 |
| Benton, Iowa | 1 | $ 275,000 | $ 275,000 | $ 113,000 |
| Bremer, Iowa | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Johnson, Iowa | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Polk, Iowa | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Scott, Iowa | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| Crawford, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Dane, Wisconsin | 1 | $ 2,725,000 | $ 2,725,000 | $ 0 |
| Sauk, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 260 | $38,100,000 | $146,000 | $655,000 | $94,000 | $402,000 |
| Refinancing | 138 | $15,610,000 | $113,000 | $2,725,000 | $140,000 | $878,000 |
| Cash-out Refinancing | 33 | $4,625,000 | $140,000 | $365,000 | $98,000 | $285,000 |
| Home Improvement | 15 | $745,000 | $49,000 | $155,000 | $97,000 | $218,000 |
| Other Purpose | 7 | $385,000 | $55,000 | $155,000 | $135,000 | $528,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 359 | $46,045,000 | $128,000 | $615,000 | $107,000 | $878,000 |
| Not applicable | 77 | $11,895,000 | $154,000 | $2,725,000 | $0 | $0 |
| Hispanic | 7 | $505,000 | $72,000 | $105,000 | $49,000 | $94,000 |
| Not Provided | 5 | $745,000 | $149,000 | $245,000 | $167,000 | $528,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $171,000 | $171,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $9,000 | $9,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 453 | $59,465,000 | $131,000 | $2,725,000 | $108,000 | $878,000 |
| 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 |
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 | 379 | $50,935,000 | $134,000 | $2,725,000 | $117,000 | $878,000 |
| Application Denied By Financial Institution | 45 | $4,775,000 | $106,000 | $285,000 | $63,000 | $125,000 |
| Application Approved But Not Accepted | 20 | $2,420,000 | $121,000 | $265,000 | $80,000 | $223,000 |
| Application Withdrawn By Applicant | 9 | $1,335,000 | $148,000 | $305,000 | $110,000 | $309,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 408 | $54,690,000 | $134,000 | $2,725,000 | $114,000 | $878,000 |
| Credit History | 20 | $1,660,000 | $83,000 | $285,000 | $70,000 | $124,000 |
| Debt-To-Income Ratio | 10 | $1,180,000 | $118,000 | $255,000 | $46,000 | $103,000 |
| Other | 4 | $700,000 | $175,000 | $275,000 | $89,000 | $125,000 |
| Collateral | 4 | $430,000 | $107,000 | $205,000 | $45,000 | $84,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $115,000 | $50,000 | $63,000 |
| Unverifiable Information | 2 | $240,000 | $120,000 | $125,000 | $52,000 | $90,000 |
| Employment History | 2 | $170,000 | $85,000 | $155,000 | $53,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $122,000 | $122,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank & Trust's 2018 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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