# Fidelity Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/fidelity-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Fidelity Bank & Trust is a bank, headquartered in Dubuque, IA, serving borrowers across 4 states, with 224 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300P8W7NTNS3TVK84
- **Headquarters:** Dubuque, IA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** IA, IL, MO, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.566%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $757
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 224
- **Dollar Volume:** $50 million
- **Applications Received:** 250
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $222,679
- **Average Borrower Income:** $130,580
- **Average Property Value:** $337,054

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 222 | -0.565% | $759 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 179 loans, Score: 61/100 (Strong)
- Refinance: 43 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 181 | $43M | -0.532% | Strong 😀 |
| Refinance | 47/100 | 43 | $7M | -0.711% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 211 | 0.60% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 127 | 62/100 |
| Dubuque, IA | IA | 57 | 73/100 |
| Cedar Rapids, IA | IA | 17 | 52/100 |
| Waterloo | IA | 16 | 51/100 |

## Where This Lender Ranks

Fidelity Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Dubuque, IA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Cedar Rapids, IA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cedar-rapids-ia/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Waterloo for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Dubuque, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Dubuque, IA
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders)
- 🏆 **#6** in Iowa for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Waterloo for Conventional Loans
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Cedar Rapids, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/cedar-rapids-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Iowa Banks
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks)
- 🏆 **#12** in Iowa for Conventional Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Iowa
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Fidelity Bank & Trust offer?

Fidelity Bank & Trust offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fidelity Bank & Trust offer mortgages?

Fidelity Bank & Trust offers mortgages in 4 states: IA, IL, MO, WI.

### How competitive are Fidelity Bank & Trust's mortgage rates?

Fidelity Bank & Trust has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.566% below market average.

### What type of lender is Fidelity Bank & Trust?

Fidelity Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Dubuque, IA.

### What is Fidelity Bank & Trust's loan approval success rate?

Fidelity Bank & Trust has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fidelity-bank-trust

### How to Cite

> "Fidelity Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fidelity-bank-trust

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