Fidelity Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Fidelity Bank & Trust of Dubuque, IA reported 552 mortgage applications totaling $100.3 million, down 26% from 2016. The average application was for $181,673, and applicants reported an average income of $124,329. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dubuque, IA (214), Cedar Rapids, IA (73) and Iowa City, IA (3) (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 | 552 |
| Total Mortgage Loan Application Amount | $100,284,000 |
| Average Mortgage Loan Application Amount | $181,673 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $124,329 |
| Highest Applicant Income | $4,132,000 |
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(HMDA) records Fidelity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 263 | $61,703,000 | $234,000 | $1,900,000 | $184,000 | $4,132,000 |
| Home Purchase | 232 | $34,083,000 | $146,000 | $740,000 | $72,000 | $340,000 |
| Home Improvement | 57 | $4,498,000 | $78,000 | $321,000 | $62,000 | $179,000 |
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 | 420 | $74,892,000 | $178,000 | $1,900,000 | $158,000 | $4,132,000 |
| Not applicable | 116 | $22,866,000 | $197,000 | $1,180,000 | $0 | $0 |
| Not Provided | 11 | $1,962,000 | $178,000 | $305,000 | $174,000 | $600,000 |
| Hispanic | 3 | $324,000 | $108,000 | $191,000 | $56,000 | $77,000 |
| Black or African American | 2 | $240,000 | $120,000 | $121,000 | $34,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 548 | $96,652,000 | $176,000 | $1,900,000 | $121,000 | $4,132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $3,632,000 | $908,000 | $1,300,000 | $522,000 | $643,000 |
| 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 | 492 | $86,624,000 | $176,000 | $1,900,000 | $122,000 | $1,282,000 |
| Application Denied By Financial Institution | 35 | $9,108,000 | $260,000 | $1,327,000 | $168,000 | $4,132,000 |
| Application Approved But Not Accepted | 18 | $3,591,000 | $199,000 | $339,000 | $114,000 | $600,000 |
| Application Withdrawn By Applicant | 7 | $961,000 | $137,000 | $261,000 | $67,000 | $180,000 |
| 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 2017 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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