Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Fidelity Bank & Trust of Dubuque, IA reported 601 mortgage applications totaling $91.1 million, about the same as 2022. The average application was for $151,655, and applicants reported an average income of $111,608. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dubuque, IA (191), Waterloo-Cedar Falls, IA (53) and Cedar Rapids, IA (45) (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 | 601 |
| Total Mortgage Loan Application Amount | $91,145,000 |
| Average Mortgage Loan Application Amount | $151,655 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $111,608 |
| Highest Applicant Income | $1,012,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 191 | $ 38,255,000 | $ 200,287 | $ 114,000 |
| Cedar, Iowa | 51 | $ 6,405,000 | $ 125,588 | $ 130,000 |
| Clayton, Iowa | 44 | $ 5,450,000 | $ 123,863 | $ 112,000 |
| Bremer, Iowa | 35 | $ 4,785,000 | $ 136,714 | $ 99,000 |
| Jackson, Iowa | 30 | $ 4,040,000 | $ 134,666 | $ 110,000 |
| Jones, Iowa | 29 | $ 3,675,000 | $ 126,724 | $ 87,000 |
| Winneshiek, Iowa | 25 | $ 2,615,000 | $ 104,600 | $ 95,000 |
| Delaware, Iowa | 23 | $ 4,425,000 | $ 192,391 | $ 120,000 |
| Chickasaw, Iowa | 22 | $ 2,080,000 | $ 94,545 | $ 94,000 |
| Jo Daviess, Illinois | 18 | $ 1,930,000 | $ 107,222 | $ 116,000 |
| Fayette, Iowa | 17 | $ 2,665,000 | $ 156,764 | $ 87,000 |
| Linn, Iowa | 16 | $ 1,960,000 | $ 122,500 | $ 81,000 |
| Black Hawk, Iowa | 15 | $ 2,795,000 | $ 186,333 | $ 82,000 |
| Floyd, Iowa | 15 | $ 595,000 | $ 39,666 | $ 84,000 |
| Grant, Wisconsin | 13 | $ 1,525,000 | $ 117,307 | $ 276,000 |
| Allamakee, Iowa | 9 | $ 1,775,000 | $ 197,222 | $ 122,000 |
| Kossuth, Iowa | 7 | $ 365,000 | $ 52,142 | $ 87,000 |
| Buchanan, Iowa | 6 | $ 1,200,000 | $ 200,000 | $ 140,000 |
| Butler, Iowa | 5 | $ 595,000 | $ 119,000 | $ 106,000 |
| Johnson, Iowa | 4 | $ 590,000 | $ 147,500 | $ 114,000 |
| Polk, Iowa | 4 | $ 670,000 | $ 167,500 | $ 102,000 |
| Grundy, Iowa | 3 | $ 265,000 | $ 88,333 | $ 75,000 |
| Cerro Gordo, Iowa | 2 | $ 90,000 | $ 45,000 | $ 81,000 |
| Clinton, Iowa | 2 | $ 160,000 | $ 80,000 | $ 128,000 |
| Scott, Iowa | 2 | $ 400,000 | $ 200,000 | $ 62,000 |
| Webster, Iowa | 2 | $ 240,000 | $ 120,000 | $ 52,000 |
| Crawford, Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 67,000 |
| Dallas, Iowa | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Howard, Iowa | 1 | $ 35,000 | $ 35,000 | $ 146,000 |
| Mitchell, Iowa | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Tama, Iowa | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Washington, Iowa | 1 | $ 155,000 | $ 155,000 | $ 210,000 |
| Green, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Juneau, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 387,000 |
| Lafayette, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Sauk, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2023
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 | 276 | $60,340,000 | $218,000 | $2,405,000 | $115,000 | $739,000 |
| Refinancing | 149 | $17,605,000 | $118,000 | $505,000 | $113,000 | $1,012,000 |
| Home Improvement | 114 | $6,880,000 | $60,000 | $335,000 | $104,000 | $411,000 |
| Other Purpose | 54 | $5,340,000 | $98,000 | $605,000 | $114,000 | $491,000 |
| Cash-out Refinancing | 8 | $980,000 | $122,000 | $215,000 | $61,000 | $94,000 |
| 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 | 462 | $61,460,000 | $133,000 | $715,000 | $109,000 | $1,012,000 |
| Not applicable | 117 | $27,585,000 | $235,000 | $2,405,000 | $0 | $0 |
| Not Provided | 16 | $1,490,000 | $93,000 | $325,000 | $172,000 | $733,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $105,000 | $35,000 | $45,000 | $85,000 | $85,000 |
| Hispanic | 2 | $260,000 | $130,000 | $225,000 | $112,000 | $134,000 |
| American Indian or Alaskan Native | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| 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) | 601 | $91,145,000 | $151,000 | $2,405,000 | $111,000 | $1,012,000 |
| 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 | 555 | $85,885,000 | $154,000 | $2,405,000 | $114,000 | $1,012,000 |
| Application Denied By Financial Institution | 28 | $2,660,000 | $95,000 | $435,000 | $83,000 | $411,000 |
| Application Approved But Not Accepted | 10 | $780,000 | $78,000 | $245,000 | $93,000 | $170,000 |
| Application Withdrawn By Applicant | 8 | $1,820,000 | $227,000 | $655,000 | $90,000 | $241,000 |
| 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 | 392 | $72,350,000 | $184,000 | $2,405,000 | $113,000 | $1,012,000 |
| Debt-To-Income Ratio | 200 | $17,830,000 | $89,000 | $715,000 | $109,000 | $733,000 |
| Credit History | 4 | $560,000 | $140,000 | $325,000 | $86,000 | $146,000 |
| Collateral | 3 | $115,000 | $38,000 | $75,000 | $66,000 | $75,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $52,000 | $52,000 |
| Employment History | 1 | $265,000 | $265,000 | $265,000 | $122,000 | $122,000 |
| 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 2023 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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