Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Fidelity Bank & Trust of Dubuque, IA reported 1,452 mortgage applications totaling $273.5 million, up 144% from 2019. The average application was for $188,347, and applicants reported an average income of $113,615. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dubuque, IA (500), Waterloo-Cedar Falls, IA (128) and Cedar Rapids, IA (127) (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 | 1,452 |
| Total Mortgage Loan Application Amount | $273,480,000 |
| Average Mortgage Loan Application Amount | $188,347 |
| Highest Mortgage Loan Application Amount | $8,335,000 |
| Average Applicant Income | $113,615 |
| Highest Applicant Income | $893,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 500 | $ 99,120,000 | $ 198,240 | $ 115,000 |
| Jones, Iowa | 97 | $ 16,285,000 | $ 167,886 | $ 114,000 |
| Bremer, Iowa | 89 | $ 17,415,000 | $ 195,674 | $ 107,000 |
| Clayton, Iowa | 74 | $ 10,880,000 | $ 147,027 | $ 108,000 |
| Cedar, Iowa | 68 | $ 11,950,000 | $ 175,735 | $ 96,000 |
| Grant, Wisconsin | 67 | $ 15,495,000 | $ 231,268 | $ 196,000 |
| Winneshiek, Iowa | 61 | $ 8,635,000 | $ 141,557 | $ 99,000 |
| Fayette, Iowa | 59 | $ 8,855,000 | $ 150,084 | $ 117,000 |
| Chickasaw, Iowa | 58 | $ 8,540,000 | $ 147,241 | $ 98,000 |
| Jackson, Iowa | 52 | $ 7,430,000 | $ 142,884 | $ 86,000 |
| Delaware, Iowa | 38 | $ 6,470,000 | $ 170,263 | $ 99,000 |
| Jo Daviess, Illinois | 37 | $ 7,085,000 | $ 191,486 | $ 128,000 |
| Allamakee, Iowa | 31 | $ 3,195,000 | $ 103,064 | $ 106,000 |
| Linn, Iowa | 30 | $ 4,360,000 | $ 145,333 | $ 120,000 |
| Floyd, Iowa | 28 | $ 3,920,000 | $ 140,000 | $ 81,000 |
| Black Hawk, Iowa | 27 | $ 4,425,000 | $ 163,888 | $ 98,000 |
| Butler, Iowa | 20 | $ 2,990,000 | $ 149,500 | $ 80,000 |
| Buchanan, Iowa | 13 | $ 2,355,000 | $ 181,153 | $ 101,000 |
| Grundy, Iowa | 12 | $ 2,270,000 | $ 189,166 | $ 104,000 |
| Johnson, Iowa | 9 | $ 1,925,000 | $ 213,888 | $ 159,000 |
| Navajo, Arizona | 6 | $ 1,970,000 | $ 328,333 | $ 153,000 |
| Clinton, Iowa | 6 | $ 500,000 | $ 83,333 | $ 69,000 |
| Muscatine, Iowa | 6 | $ 4,300,000 | $ 716,666 | $ 155,000 |
| Polk, Iowa | 6 | $ 980,000 | $ 163,333 | $ 92,000 |
| Scott, Iowa | 5 | $ 9,305,000 | $ 1,861,000 | $ 180,000 |
| Crawford, Wisconsin | 5 | $ 515,000 | $ 103,000 | $ 98,000 |
| Wright, Iowa | 4 | $ 770,000 | $ 192,500 | $ 184,000 |
| Dallas, Iowa | 3 | $ 495,000 | $ 165,000 | $ 102,000 |
| Howard, Iowa | 3 | $ 295,000 | $ 98,333 | $ 109,000 |
| Mitchell, Iowa | 3 | $ 385,000 | $ 128,333 | $ 134,000 |
| Lafayette, Wisconsin | 3 | $ 695,000 | $ 231,666 | $ 131,000 |
| Hamilton, Iowa | 2 | $ 240,000 | $ 120,000 | $ 55,000 |
| Poweshiek, Iowa | 2 | $ 150,000 | $ 75,000 | $ 47,000 |
| Tama, Iowa | 2 | $ 350,000 | $ 175,000 | $ 153,000 |
| Washington, Iowa | 2 | $ 470,000 | $ 235,000 | $ 182,000 |
| Olmsted, Minnesota | 2 | $ 630,000 | $ 315,000 | $ 63,000 |
| Green, Wisconsin | 2 | $ 2,440,000 | $ 1,220,000 | $ 28,000 |
| Maricopa, Arizona | 1 | $ 195,000 | $ 195,000 | $ 237,000 |
| Pima, Arizona | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Kane, Illinois | 1 | $ 255,000 | $ 255,000 | $ 193,000 |
| Winnebago, Illinois | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Des Moines, Iowa | 1 | $ 185,000 | $ 185,000 | $ 190,000 |
| Humboldt, Iowa | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Iowa, Iowa | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Hennepin, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 214,000 |
| Mille Lacs, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 365,000 |
| Ramsey, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Adams, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 418,000 |
| Dane, Wisconsin | 1 | $ 515,000 | $ 515,000 | $ 207,000 |
| Eau Claire, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| La Crosse, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 408,000 |
| Racine, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Richland, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 360,000 |
| Rock, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| Sauk, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Washington, Wisconsin | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2020
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 | 740 | $148,710,000 | $200,000 | $8,335,000 | $119,000 | $737,000 |
| Home Purchase | 350 | $60,370,000 | $172,000 | $775,000 | $97,000 | $600,000 |
| Cash-out Refinancing | 335 | $62,365,000 | $186,000 | $515,000 | $120,000 | $893,000 |
| Home Improvement | 15 | $435,000 | $29,000 | $175,000 | $104,000 | $431,000 |
| Other Purpose | 12 | $1,600,000 | $133,000 | $375,000 | $100,000 | $186,000 |
| 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 | 1,309 | $229,185,000 | $175,000 | $775,000 | $115,000 | $893,000 |
| Not applicable | 91 | $35,995,000 | $395,000 | $8,335,000 | $0 | $0 |
| Not Provided | 44 | $6,910,000 | $157,000 | $425,000 | $98,000 | $269,000 |
| Hispanic | 6 | $860,000 | $143,000 | $295,000 | $83,000 | $111,000 |
| Asian | 1 | $435,000 | $435,000 | $435,000 | $347,000 | $347,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,452 | $273,480,000 | $188,000 | $8,335,000 | $114,000 | $893,000 |
| 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 | 1,353 | $257,685,000 | $190,000 | $8,335,000 | $117,000 | $893,000 |
| Application Denied By Financial Institution | 55 | $9,415,000 | $171,000 | $605,000 | $79,000 | $600,000 |
| Application Withdrawn By Applicant | 38 | $5,490,000 | $144,000 | $355,000 | $80,000 | $217,000 |
| Application Approved But Not Accepted | 5 | $535,000 | $107,000 | $155,000 | $70,000 | $116,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $150,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,397 | $264,065,000 | $189,000 | $8,335,000 | $115,000 | $893,000 |
| Debt-To-Income Ratio | 27 | $4,485,000 | $166,000 | $325,000 | $80,000 | $600,000 |
| Credit History | 25 | $3,925,000 | $157,000 | $475,000 | $77,000 | $209,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $605,000 | $605,000 | $605,000 | $0 | $0 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $84,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank & Trust's 2020 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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with aggregated HMDA statistics today.
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