Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Fidelity Bank & Trust of Dubuque, IA reported 1,452 mortgage applications totaling $273.5 million, up 144% from 2019. The average application was for $188,347, and applicants reported an average income of $113,615. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dubuque, IA (500), Waterloo-Cedar Falls, IA (128) and Cedar Rapids, IA (127) (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 | 1,452 |
| Total Mortgage Loan Application Amount | $273,480,000 |
| Average Mortgage Loan Application Amount | $188,347 |
| Highest Mortgage Loan Application Amount | $8,335,000 |
| Average Applicant Income | $113,615 |
| Highest Applicant Income | $893,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 654 | $ 109,200,000 | $ 166,972 | $ 113,977 |
| Dubuque, IA | 500 | $ 99,120,000 | $ 198,240 | $ 115,000 |
| Waterloo-Cedar Falls, IA | 128 | $ 24,110,000 | $ 188,359 | $ 105,000 |
| Cedar Rapids, IA | 127 | $ 20,645,000 | $ 162,559 | $ 116,000 |
| Iowa City, IA | 11 | $ 2,395,000 | $ 217,727 | $ 164,000 |
| Des Moines-West Des Moines, IA | 9 | $ 1,475,000 | $ 163,888 | $ 95,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 9,305,000 | $ 1,861,000 | $ 180,000 |
| Madison, WI | 3 | $ 2,955,000 | $ 985,000 | $ 117,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 765,000 | $ 255,000 | $ 220,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 1,380,000 | $ 690,000 | $ 85,000 |
| Rochester, MN | 2 | $ 630,000 | $ 315,000 | $ 63,000 |
| Eau Claire, WI | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Elgin, IL | 1 | $ 255,000 | $ 255,000 | $ 193,000 |
| Janesville-Beloit, WI | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 305,000 | $ 305,000 | $ 408,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 195,000 | $ 195,000 | $ 237,000 |
| Racine, WI | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Rockford, IL | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Tucson, AZ | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2020
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 | 740 | $148,710,000 | $200,000 | $8,335,000 | $119,000 | $737,000 |
| Home Purchase | 350 | $60,370,000 | $172,000 | $775,000 | $97,000 | $600,000 |
| Cash-out Refinancing | 335 | $62,365,000 | $186,000 | $515,000 | $120,000 | $893,000 |
| Home Improvement | 15 | $435,000 | $29,000 | $175,000 | $104,000 | $431,000 |
| Other Purpose | 12 | $1,600,000 | $133,000 | $375,000 | $100,000 | $186,000 |
| 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 | 1,309 | $229,185,000 | $175,000 | $775,000 | $115,000 | $893,000 |
| Not applicable | 91 | $35,995,000 | $395,000 | $8,335,000 | $0 | $0 |
| Not Provided | 44 | $6,910,000 | $157,000 | $425,000 | $98,000 | $269,000 |
| Hispanic | 6 | $860,000 | $143,000 | $295,000 | $83,000 | $111,000 |
| Asian | 1 | $435,000 | $435,000 | $435,000 | $347,000 | $347,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,452 | $273,480,000 | $188,000 | $8,335,000 | $114,000 | $893,000 |
| 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 | 1,353 | $257,685,000 | $190,000 | $8,335,000 | $117,000 | $893,000 |
| Application Denied By Financial Institution | 55 | $9,415,000 | $171,000 | $605,000 | $79,000 | $600,000 |
| Application Withdrawn By Applicant | 38 | $5,490,000 | $144,000 | $355,000 | $80,000 | $217,000 |
| Application Approved But Not Accepted | 5 | $535,000 | $107,000 | $155,000 | $70,000 | $116,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $150,000 | $150,000 |
| 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 | 1,397 | $264,065,000 | $189,000 | $8,335,000 | $115,000 | $893,000 |
| Debt-To-Income Ratio | 27 | $4,485,000 | $166,000 | $325,000 | $80,000 | $600,000 |
| Credit History | 25 | $3,925,000 | $157,000 | $475,000 | $77,000 | $209,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $605,000 | $605,000 | $605,000 | $0 | $0 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $84,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2020 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
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