Fidelity Bank & Trust
Fidelity Bank & Trust received 828 applications in 2025 and made 758 mortgages, in 43 counties across 3 states. The median rate its borrowers got was 5.950% on a median loan of $135,000. Of 808 decisions, 36 were denials — 4.5%, most often for credit history.
| Legal Entity Identifier | 549300P8W7NTNS3TVK84 |
|---|---|
| Applications received | 828 |
| Mortgages made | 758 |
| Denied | 36 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.7495 points |
| FDIC-insured bank | Yes: Fidelity Bank & Trust, 36 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 399 | 5.800% | $185,000 | 2.6% |
| Refinancing | 200 | 6.500% | $110,000 | 3.4% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 157 | 5.790% | $55,000 | 10.1% |
Where Fidelity Bank & Trust lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dubuque County, IA | 246 | 6.125% | 0.8% |
| Clayton County, IA | 57 | 6.450% | 6.6% |
| Cedar County, IA | 43 | 5.765% | 10.2% |
| Bremer County, IA | 41 | 5.913% | 2.3% |
| Chickasaw County, IA | 34 | 5.720% | 2.9% |
| Jones County, IA | 34 | 5.710% | 7.9% |
| Winneshiek County, IA | 32 | 5.950% | 3.0% |
| Fayette County, IA | 31 | 6.758% | 6.1% |
| Jackson County, IA | 28 | 5.790% | 6.5% |
| Delaware County, IA | 23 | 5.610% | 4.2% |
| Black Hawk County, IA | 22 | 6.500% | 0.0% |
| Grant County, WI | 21 | 6.315% | 24.1% |
| Linn County, IA | 19 | 5.938% | 0.0% |
| Jo Daviess County, IL | 17 | 5.860% | 5.6% |
| Floyd County, IA | 14 | 5.860% | 6.7% |
| Allamakee County, IA | 13 | 5.825% | 7.1% |
| Kossuth County, IA | 11 | 5.950% | 0.0% |
| Buchanan County, IA | 9 | Under 10 loans | 0.0% |
| Johnson County, IA | 9 | Under 10 loans | 0.0% |
| Butler County, IA | 8 | Under 10 loans | 0.0% |
| Clinton County, IA | 8 | Under 10 loans | 0.0% |
| Cerro Gordo County, IA | 4 | Under 10 loans | 0.0% |
| Muscatine County, IA | 4 | Under 10 loans | 0.0% |
| Poweshiek County, IA | 4 | Under 10 loans | 16.7% |
| Grundy County, IA | 3 | Under 10 loans | 0.0% |
| Keokuk County, IA | 3 | Under 10 loans | 0.0% |
| Lafayette County, WI | 3 | Under 10 loans | 0.0% |
| Mitchell County, IA | 2 | Under 10 loans | 0.0% |
| Scott County, IA | 2 | Under 10 loans | 0.0% |
| Benton County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Emmet County, IA | 1 | Under 10 loans | 0.0% |
| Hardin County, IA | 1 | Under 10 loans | 0.0% |
| Howard County, IA | 1 | Under 10 loans | 0.0% |
| Humboldt County, IA | 1 | Under 10 loans | 0.0% |
| Iowa County, IA | 1 | Under 10 loans | 50.0% |
| Mahaska County, IA | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Tama County, IA | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 50.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.