Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Fidelity Bank & Trust of Dubuque, IA reported 595 mortgage applications totaling $97.2 million, up 31% from 2018. The average application was for $163,352, and applicants reported an average income of $107,721. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dubuque, IA (230), Cedar Rapids, IA (50) and Waterloo-Cedar Falls, IA (31) (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 | 595 |
| Total Mortgage Loan Application Amount | $97,195,000 |
| Average Mortgage Loan Application Amount | $163,352 |
| Highest Mortgage Loan Application Amount | $2,385,000 |
| Average Applicant Income | $107,721 |
| Highest Applicant Income | $859,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 276 | $ 42,710,000 | $ 154,746 | $ 117,818 |
| Dubuque, IA | 230 | $ 40,160,000 | $ 174,608 | $ 97,000 |
| Cedar Rapids, IA | 50 | $ 7,670,000 | $ 153,400 | $ 118,000 |
| Waterloo-Cedar Falls, IA | 31 | $ 4,875,000 | $ 157,258 | $ 88,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 460,000 | $ 230,000 | $ 259,000 |
| Des Moines-West Des Moines, IA | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Iowa City, IA | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Madison, WI | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 325,000 | $ 325,000 | $ 365,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2019
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 | 255 | $43,125,000 | $169,000 | $2,385,000 | $129,000 | $859,000 |
| Home Purchase | 250 | $40,280,000 | $161,000 | $1,555,000 | $90,000 | $767,000 |
| Cash-out Refinancing | 65 | $12,085,000 | $185,000 | $485,000 | $102,000 | $424,000 |
| Home Improvement | 16 | $1,080,000 | $67,000 | $505,000 | $95,000 | $439,000 |
| Other Purpose | 9 | $625,000 | $69,000 | $155,000 | $61,000 | $104,000 |
| 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 | 474 | $77,700,000 | $163,000 | $1,555,000 | $108,000 | $859,000 |
| Not applicable | 101 | $17,125,000 | $169,000 | $2,385,000 | $0 | $0 |
| Not Provided | 11 | $1,485,000 | $135,000 | $305,000 | $84,000 | $162,000 |
| Hispanic | 3 | $485,000 | $161,000 | $255,000 | $117,000 | $232,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $75,000 | $25,000 | $35,000 | $76,000 | $171,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $215,000 | $66,000 | $84,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $27,000 | $27,000 |
| Asian | 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) | 595 | $97,195,000 | $163,000 | $2,385,000 | $107,000 | $859,000 |
| 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 | 540 | $87,950,000 | $162,000 | $2,385,000 | $111,000 | $859,000 |
| Application Denied By Financial Institution | 33 | $5,485,000 | $166,000 | $1,555,000 | $61,000 | $116,000 |
| Application Withdrawn By Applicant | 14 | $2,310,000 | $165,000 | $425,000 | $82,000 | $190,000 |
| Application Approved But Not Accepted | 8 | $1,450,000 | $181,000 | $305,000 | $107,000 | $269,000 |
| 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 | 562 | $91,710,000 | $163,000 | $2,385,000 | $110,000 | $859,000 |
| Credit History | 21 | $3,455,000 | $164,000 | $1,555,000 | $68,000 | $116,000 |
| Debt-To-Income Ratio | 8 | $1,470,000 | $183,000 | $385,000 | $53,000 | $80,000 |
| Collateral | 2 | $170,000 | $85,000 | $105,000 | $39,000 | $50,000 |
| Other | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2019 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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