Applications / Mortgage Analytics / Lenders / Illinois / Fidelity Bank
Savanna, IL · State non-member bank · FDIC · $199 million assets · 336 loans in 2025
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336
loans originated, 2025
423
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fidelity Bank, first reported in 2023, makes more government-backed home loans than about nine in ten similar banks, chiefly in Iowa.
FHA loans (insured by the Federal Housing Administration) made up 8.0% of its loans and VA loans (guaranteed by the Department of Veterans Affairs) 5.1%. At similar lenders (state non-member banks making between half and twice as many loans) the typical share of each was 0.0%. Home purchases made up 75.9% of its loans.
It first reported in 2023, the year it merged with Fidelity Bank and took its name, with 234 loans. It made 336 in 2025, up 11%, against 9% at similar lenders and 10% for the whole market.
Des Moines-West Des Moines is its largest market. There it ranked 19 of 396 with 1.5%, unchanged, behind GreenState Credit Union and Veridian Credit Union. It ranked 40 of 189 in Ames.
Borrowers with low or moderate incomes (LMI) took 35.6% of its loans, against 27.9% at peers. Poorer neighborhoods took 22.7%, against 16.6%. Its denial rate on home-purchase applications was 1.8%, lower than about nine in ten of its peers.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Fidelity Bank took 423 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Refinance 22.3% · Other 1.5% · Home improvement 0.3%
Conventional 85.1% · FHA 8.0% · VA 5.1% · USDA (RHS or FSA) 1.8% · of 336 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 | 308 | 91.7% |
| Illinois | 20 | 6.0% |
| Arizona | 2 | 0.6% |
| Alaska | 1 | 0.3% |
| Kansas | 1 | 0.3% |
| New York | 1 | 0.3% |
| Oregon | 1 | 0.3% |
| Texas | 1 | 0.3% |
| Wisconsin | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 271 |
| Ames | 12 |
| Davenport-Moline-Rock Island | 6 |
| Iowa City | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Corpus Christi | 1 |
| Eugene-Springfield | 1 |
| Kansas City | 1 |
| Racine-Mount Pleasant | 1 |
| Utica-Rome | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WMFKWPLR3B4U63 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 597041 | 2023–2023 |
Established 1 January 1920. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Fidelity Bank's data.
Fidelity Bank's data
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Fidelity Bank 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.
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