Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Fidelity Bank & Trust of Dubuque, IA reported 462 mortgage applications totaling $79.7 million, up 5% from 2014. The average application was for $172,413, and applicants reported an average income of $145,562. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dubuque, IA (149), Cedar Rapids, IA (63) and Waterloo-Cedar Falls, IA (5) (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 | 462 |
| Total Mortgage Loan Application Amount | $79,655,000 |
| Average Mortgage Loan Application Amount | $172,413 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $145,562 |
| Highest Applicant Income | $2,721,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Fidelity Bank & Trust in 2015
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 | 262 | $54,807,000 | $209,000 | $6,000,000 | $178,000 | $1,957,000 |
| Home Purchase | 154 | $21,446,000 | $139,000 | $1,642,000 | $101,000 | $2,721,000 |
| Home Improvement | 46 | $3,402,000 | $73,000 | $343,000 | $110,000 | $1,898,000 |
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 | 373 | $51,027,000 | $136,000 | $1,494,000 | $179,000 | $2,721,000 |
| Not applicable | 79 | $27,347,000 | $346,000 | $6,000,000 | $1,000 | $93,000 |
| Not Provided | 5 | $852,000 | $170,000 | $200,000 | $92,000 | $130,000 |
| Hispanic | 3 | $166,000 | $55,000 | $80,000 | $40,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $192,000 | $192,000 | $192,000 | $122,000 | $122,000 |
| Asian | 1 | $71,000 | $71,000 | $71,000 | $41,000 | $41,000 |
| Black or African American | 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) | 461 | $79,130,000 | $171,000 | $6,000,000 | $146,000 | $2,721,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $525,000 | $525,000 | $525,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 398 | $64,609,000 | $162,000 | $3,055,000 | $159,000 | $2,721,000 |
| Application Denied By Financial Institution | 39 | $11,971,000 | $306,000 | $6,000,000 | $62,000 | $219,000 |
| Application Approved But Not Accepted | 19 | $2,069,000 | $108,000 | $398,000 | $67,000 | $230,000 |
| Application Withdrawn By Applicant | 6 | $1,006,000 | $167,000 | $240,000 | $63,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| 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 2015 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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