Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Fidelity Bank & Trust of Dubuque, IA reported 101 mortgage applications totaling $8.8 million, down 17% from 2003. The average application was for $87,099, and applicants reported an average income of $61,039. 78% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Dubuque, IA (79) and Cedar Rapids, IA (1).
| 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 | 101 |
| Total Mortgage Loan Application Amount | $8,797,000 |
| Average Mortgage Loan Application Amount | $87,099 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $61,039 |
| Highest Applicant Income | $173,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dubuque, IA | 79 | $ 7,081,000 | $ 89,632 | $ 67,000 |
| Cedar Rapids, IA | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2004
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 | 58 | $4,881,000 | $84,000 | $325,000 | $67,000 | $173,000 |
| Home Purchase | 36 | $3,453,000 | $92,000 | $240,000 | $75,500 | $128,000 |
| Home Improvement | 7 | $463,000 | $66,000 | $104,000 | $100,000 | $168,000 |
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 | 98 | $8,565,000 | $87,500 | $325,000 | $83,500 | $173,000 |
| Hispanic | 2 | $194,000 | $97,000 | $144,000 | $71,000 | $87,000 |
| Not Provided | 1 | $38,000 | $38,000 | $38,000 | $95,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 101 | $8,797,000 | $87,500 | $325,000 | $84,000 | $173,000 |
| 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 | 79 | $6,367,000 | $84,000 | $240,000 | $83,500 | $173,000 |
| Application Denied By Financial Institution | 17 | $1,750,000 | $102,000 | $231,000 | $58,000 | $168,000 |
| Application Approved But Not Accepted | 3 | $554,000 | $184,000 | $325,000 | $81,000 | $112,000 |
| Application Withdrawn By Applicant | 1 | $96,000 | $96,000 | $96,000 | $31,000 | $31,000 |
| File Closed For Incompleteness | 1 | $30,000 | $30,000 | $30,000 | $71,000 | $71,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $770,000 | $96,000 | $225,000 | $64,000 | $168,000 |
| Debt-To-Income Ratio | 3 | $389,000 | $129,000 | $231,000 | $49,000 | $62,000 |
| Collateral | 2 | $98,000 | $49,000 | $60,000 | $81,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $5,000 | $5,000 | $5,000 | $25,000 | $25,000 |
| Other | 1 | $175,000 | $175,000 | $175,000 | $120,000 | $120,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Bank & Trust's 2004 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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