Applications / Mortgage Analytics / Lenders / Iowa / Fidelity Bank & Trust
Dubuque, IA · State non-member bank · FDIC · $2.5 billion assets · 758 loans in 2025
Fidelity Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
758
loans originated, 2025
828
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fidelity Bank & Trust is a Dubuque purchase lender that ranks fourth in its home market, where its share rose 2.3 points in 2025 as its originations grew 21%.
Originations rose 21% to 758, against 9% for the typical similar lender (state non-member banks making between half and twice as many loans) and 10% for the whole market, faster than about three-quarters of them. The total remains below the 1,353 of 2020.
It ranks 4 of 114 in Dubuque, with its share up to 12.7% from 10.4%, behind Dupaco Community Credit Union, MidWestOne Bank and GreenState Credit Union. Its share also rose in Waterloo-Cedar Falls, to 1.5% from 1.0%, and in Davenport-Moline-Rock Island, to 0.6%.
Purchases make up 52.6% of its loans and refinances 26.6%, all conventional. Its typical rate, 5.95%, is lower than at more than nine in ten similar lenders, who are at 6.75%, and none of its loans were higher-priced (a rate well above the average for similar loans).
Low- and moderate-income (LMI) borrowers took 35.1% of its loans, against 26.4% at similar lenders, higher than about four in five of them. Its shares in LMI tracts, 8.2%, and majority-minority tracts, 0.4%, are among the lowest tenth; the make-up of the Iowa markets it serves is one possible explanation.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fidelity Bank & Trust took 828 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.6% · Refinance 26.6% · Home improvement 14.9% · Other 5.8%
Conventional 100.0% · of 758 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 714 | 94.2% |
| Wisconsin | 27 | 3.6% |
| Illinois | 17 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dubuque | 246 |
| Waterloo-Cedar Falls | 66 |
| Cedar Rapids | 54 |
| Iowa City | 9 |
| Davenport-Moline-Rock Island | 2 |
| Des Moines-West Des Moines | 1 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P8W7NTNS3TVK84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 939249 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314382 | 1990–2017 |
Established 20 April 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fidelity Bank & Trust's data.
Fidelity Bank & Trust's data
$215
Fidelity Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Fidelity Bank & Trust's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]