Fidelity Bank & Trust in Iowa vs the state
3.4%Denial rate-9.49 pts vs state
3.5%Decision denial rate-11.86 pts vs state
92.5%Origination rate+24.03 pts vs state
5.95%Median rate-0.55 pts vs state
-0.75Rate spread (pts)-0.94 pts vs state
$101kMedian applicant income
714Loans originated
26Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 564 | 522 | 4.3% | 7.00% | #33 |
| 2024 | 648 | 598 | 4.5% | 6.85% | #33 |
| 2025 | 772 | 714 | 3.4% | 5.95% | #29 |
What Fidelity Bank & Trust lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Fidelity Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dubuque County | 251 | 246 | 2 | 0.8% |
| Clayton County | 63 | 57 | 4 | 6.3% |
| Cedar County | 51 | 43 | 5 | 9.8% |
| Bremer County | 45 | 41 | 1 | 2.2% |
| Jones County | 39 | 34 | 3 | 7.7% |
| Chickasaw County | 37 | 34 | 1 | 2.7% |
| Winneshiek County | 33 | 32 | 1 | 3.0% |
| Fayette County | 33 | 31 | 2 | 6.1% |
| Jackson County | 31 | 28 | 2 | 6.5% |
| Black Hawk County | 26 | 22 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 772 applications in 2025, of which 714 were originated and 26 denied.
3.4% of all applications, or 3.5% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Fidelity Bank & Trust originated in Iowa in 2025 was 5.95%, against a statewide median of 6.50%.
About this data. Figures are Fidelity Bank & Trust's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology