Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Fidelity Bank & Trust of Dubuque, IA reported 600 mortgage applications totaling $106.0 million, down 42% from 2021. The average application was for $176,733, and applicants reported an average income of $118,458. 88% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dubuque, IA (187), Waterloo-Cedar Falls, IA (53) and Cedar Rapids, IA (38) (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 | 600 |
| Total Mortgage Loan Application Amount | $106,040,000 |
| Average Mortgage Loan Application Amount | $176,733 |
| Highest Mortgage Loan Application Amount | $3,255,000 |
| Average Applicant Income | $118,458 |
| Highest Applicant Income | $7,380,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 187 | $ 40,025,000 | $ 214,037 | $ 111,000 |
| Clayton, Iowa | 39 | $ 4,735,000 | $ 121,410 | $ 71,000 |
| Winneshiek, Iowa | 37 | $ 4,485,000 | $ 121,216 | $ 73,000 |
| Cedar, Iowa | 31 | $ 5,415,000 | $ 174,677 | $ 103,000 |
| Bremer, Iowa | 30 | $ 5,430,000 | $ 181,000 | $ 108,000 |
| Jones, Iowa | 28 | $ 5,000,000 | $ 178,571 | $ 142,000 |
| Chickasaw, Iowa | 26 | $ 3,530,000 | $ 135,769 | $ 70,000 |
| Fayette, Iowa | 25 | $ 2,485,000 | $ 99,400 | $ 85,000 |
| Allamakee, Iowa | 21 | $ 2,325,000 | $ 110,714 | $ 69,000 |
| Floyd, Iowa | 20 | $ 2,720,000 | $ 136,000 | $ 97,000 |
| Jackson, Iowa | 19 | $ 2,305,000 | $ 121,315 | $ 129,000 |
| Black Hawk, Iowa | 18 | $ 2,400,000 | $ 133,333 | $ 127,000 |
| Grant, Wisconsin | 15 | $ 4,055,000 | $ 270,333 | $ 65,000 |
| Delaware, Iowa | 14 | $ 2,640,000 | $ 188,571 | $ 95,000 |
| Linn, Iowa | 10 | $ 5,020,000 | $ 502,000 | $ 73,000 |
| Jo Daviess, Illinois | 9 | $ 895,000 | $ 99,444 | $ 124,000 |
| Buchanan, Iowa | 9 | $ 925,000 | $ 102,777 | $ 69,000 |
| Kossuth, Iowa | 9 | $ 985,000 | $ 109,444 | $ 82,000 |
| Butler, Iowa | 6 | $ 860,000 | $ 143,333 | $ 63,000 |
| Crawford, Wisconsin | 6 | $ 1,210,000 | $ 201,666 | $ 140,000 |
| Grundy, Iowa | 5 | $ 845,000 | $ 169,000 | $ 130,000 |
| Cerro Gordo, Iowa | 3 | $ 115,000 | $ 38,333 | $ 40,000 |
| Clinton, Iowa | 3 | $ 485,000 | $ 161,666 | $ 73,000 |
| Johnson, Iowa | 3 | $ 395,000 | $ 131,666 | $ 80,000 |
| Muscatine, Iowa | 3 | $ 385,000 | $ 128,333 | $ 97,000 |
| Polk, Iowa | 3 | $ 395,000 | $ 131,666 | $ 53,000 |
| Lafayette, Wisconsin | 3 | $ 305,000 | $ 101,666 | $ 92,000 |
| Howard, Iowa | 2 | $ 280,000 | $ 140,000 | $ 100,000 |
| Story, Iowa | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Whiteside, Illinois | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Buena Vista, Iowa | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Palo Alto, Iowa | 1 | $ 245,000 | $ 245,000 | $ 225,000 |
| Poweshiek, Iowa | 1 | $ 375,000 | $ 375,000 | $ 519,000 |
| Scott, Iowa | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Tama, Iowa | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Warren, Iowa | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Scott, Minnesota | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Wabasha, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 239,000 |
| Camden, Missouri | 1 | $ 595,000 | $ 595,000 | $ 535,000 |
| Dane, Wisconsin | 1 | $ 1,725,000 | $ 1,725,000 | $ 7,380,000 |
| Monroe, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2022
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 | 356 | $73,250,000 | $205,000 | $3,255,000 | $130,000 | $7,380,000 |
| Refinancing | 176 | $24,900,000 | $141,000 | $2,265,000 | $104,000 | $1,258,000 |
| Cash-out Refinancing | 37 | $5,785,000 | $156,000 | $485,000 | $89,000 | $348,000 |
| Home Improvement | 27 | $1,455,000 | $53,000 | $225,000 | $106,000 | $181,000 |
| Other Purpose | 4 | $650,000 | $162,000 | $255,000 | $84,000 | $184,000 |
| 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 | 443 | $71,785,000 | $162,000 | $1,725,000 | $120,000 | $7,380,000 |
| Not applicable | 135 | $30,365,000 | $224,000 | $3,255,000 | $0 | $0 |
| Not Provided | 7 | $1,285,000 | $183,000 | $335,000 | $135,000 | $488,000 |
| Asian | 4 | $1,390,000 | $347,000 | $645,000 | $134,000 | $242,000 |
| Hispanic | 4 | $660,000 | $165,000 | $345,000 | $85,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $50,000 | $25,000 | $25,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $155,000 | $60,000 | $60,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $62,000 | $62,000 |
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) | 600 | $106,040,000 | $176,000 | $3,255,000 | $119,000 | $7,380,000 |
| 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 | 527 | $94,835,000 | $179,000 | $3,255,000 | $130,000 | $7,380,000 |
| Application Denied By Financial Institution | 36 | $5,610,000 | $155,000 | $605,000 | $53,000 | $100,000 |
| Application Approved But Not Accepted | 25 | $4,005,000 | $160,000 | $455,000 | $85,000 | $148,000 |
| Application Withdrawn By Applicant | 12 | $1,590,000 | $132,000 | $375,000 | $80,000 | $164,000 |
| 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 | 564 | $100,430,000 | $178,000 | $3,255,000 | $125,000 | $7,380,000 |
| Credit History | 18 | $2,320,000 | $128,000 | $405,000 | $59,000 | $96,000 |
| Debt-To-Income Ratio | 13 | $2,355,000 | $181,000 | $605,000 | $42,000 | $96,000 |
| Collateral | 2 | $310,000 | $155,000 | $205,000 | $79,000 | $100,000 |
| Other | 1 | $375,000 | $375,000 | $375,000 | $0 | $0 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank & Trust's 2022 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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