Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Fidelity Bank & Trust of Dubuque, IA reported 680 mortgage applications totaling $109.3 million, up 13% from 2023. The average application was for $160,720, and applicants reported an average income of $116,632. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dubuque, IA (218), Cedar Rapids, IA (46) and Waterloo-Cedar Falls, IA (44) (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 | 680 |
| Total Mortgage Loan Application Amount | $109,290,000 |
| Average Mortgage Loan Application Amount | $160,720 |
| Highest Mortgage Loan Application Amount | $3,915,000 |
| Average Applicant Income | $116,632 |
| Highest Applicant Income | $2,130,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 218 | $ 43,930,000 | $ 201,513 | $ 117,000 |
| Cedar, Iowa | 60 | $ 5,770,000 | $ 96,166 | $ 97,000 |
| Clayton, Iowa | 59 | $ 8,265,000 | $ 140,084 | $ 145,000 |
| Jones, Iowa | 37 | $ 4,925,000 | $ 133,108 | $ 110,000 |
| Chickasaw, Iowa | 36 | $ 4,270,000 | $ 118,611 | $ 106,000 |
| Winneshiek, Iowa | 33 | $ 4,295,000 | $ 130,151 | $ 102,000 |
| Bremer, Iowa | 27 | $ 3,475,000 | $ 128,703 | $ 111,000 |
| Jackson, Iowa | 27 | $ 3,405,000 | $ 126,111 | $ 118,000 |
| Fayette, Iowa | 23 | $ 1,915,000 | $ 83,260 | $ 72,000 |
| Delaware, Iowa | 21 | $ 4,455,000 | $ 212,142 | $ 192,000 |
| Black Hawk, Iowa | 14 | $ 3,110,000 | $ 222,142 | $ 119,000 |
| Kossuth, Iowa | 14 | $ 1,760,000 | $ 125,714 | $ 101,000 |
| Floyd, Iowa | 13 | $ 1,075,000 | $ 82,692 | $ 93,000 |
| Grant, Wisconsin | 13 | $ 1,385,000 | $ 106,538 | $ 123,000 |
| Jo Daviess, Illinois | 12 | $ 2,460,000 | $ 205,000 | $ 122,000 |
| Allamakee, Iowa | 11 | $ 1,495,000 | $ 135,909 | $ 119,000 |
| Linn, Iowa | 9 | $ 5,255,000 | $ 583,888 | $ 124,000 |
| Butler, Iowa | 7 | $ 705,000 | $ 100,714 | $ 85,000 |
| Polk, Iowa | 6 | $ 1,120,000 | $ 186,666 | $ 110,000 |
| Clinton, Iowa | 5 | $ 635,000 | $ 127,000 | $ 68,000 |
| Johnson, Iowa | 5 | $ 885,000 | $ 177,000 | $ 93,000 |
| Muscatine, Iowa | 5 | $ 1,155,000 | $ 231,000 | $ 324,000 |
| Buchanan, Iowa | 3 | $ 95,000 | $ 31,666 | $ 104,000 |
| Emmet, Iowa | 3 | $ 305,000 | $ 101,666 | $ 117,000 |
| Grundy, Iowa | 3 | $ 395,000 | $ 131,666 | $ 107,000 |
| Crawford, Wisconsin | 3 | $ 435,000 | $ 145,000 | $ 109,000 |
| Howard, Iowa | 2 | $ 220,000 | $ 110,000 | $ 95,000 |
| Lafayette, Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 33,000 |
| Stephenson, Illinois | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Audubon, Iowa | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Cerro Gordo, Iowa | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Clay, Iowa | 1 | $ 705,000 | $ 705,000 | $ 1,077,000 |
| Warren, Iowa | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Wayne, Iowa | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Winnebago, Iowa | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Wright, Iowa | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Camden, Missouri | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2024
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 | 296 | $67,860,000 | $229,000 | $1,605,000 | $137,000 | $2,130,000 |
| Refinancing | 180 | $27,400,000 | $152,000 | $3,915,000 | $95,000 | $351,000 |
| Home Improvement | 134 | $8,700,000 | $64,000 | $885,000 | $107,000 | $602,000 |
| Other Purpose | 67 | $4,685,000 | $69,000 | $575,000 | $105,000 | $505,000 |
| Cash-out Refinancing | 3 | $645,000 | $215,000 | $445,000 | $95,000 | $179,000 |
| 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 | 533 | $74,135,000 | $139,000 | $805,000 | $117,000 | $2,130,000 |
| Not applicable | 117 | $31,235,000 | $266,000 | $3,915,000 | $0 | $0 |
| Not Provided | 22 | $2,980,000 | $135,000 | $575,000 | $136,000 | $412,000 |
| Hispanic | 5 | $635,000 | $127,000 | $225,000 | $62,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $61,000 | $61,000 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $106,000 | $106,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $25,000 | $25,000 |
| 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) | 680 | $109,290,000 | $160,000 | $3,915,000 | $118,000 | $2,130,000 |
| 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 | 629 | $103,695,000 | $164,000 | $3,915,000 | $121,000 | $2,130,000 |
| Application Denied By Financial Institution | 30 | $2,040,000 | $68,000 | $375,000 | $70,000 | $192,000 |
| Application Withdrawn By Applicant | 12 | $1,720,000 | $143,000 | $375,000 | $93,000 | $353,000 |
| Application Approved But Not Accepted | 8 | $1,760,000 | $220,000 | $435,000 | $108,000 | $213,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $37,000 | $37,000 |
| 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 | 435 | $89,495,000 | $205,000 | $3,915,000 | $127,000 | $2,130,000 |
| Debt-To-Income Ratio | 237 | $19,005,000 | $80,000 | $1,405,000 | $106,000 | $602,000 |
| Credit History | 7 | $675,000 | $96,000 | $205,000 | $62,000 | $93,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $42,000 | $42,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank & Trust's 2024 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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