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Fidelity Bank & Trust

BankDubuque, IAHQDirectReviews near you on Google

Fidelity Bank & Trust has 224 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 56.60 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Fidelity Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 56.6 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume222
Mix99.1%
Spread
-0.565%Below
Fees
$759Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume181
Mix80.8%
Spread
-0.532%Below
Fees
$775Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume43
Mix19.2%
Spread
-0.711%Below
Fees
$681Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
224
Applications
250
Volume
$49 million
Pricing & Closing
Avg Rate Spread
-0.566%
vs. market APOR
Avg Net Fees
$757
Origination − Credits
Pullthrough Rate
89.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$222,679
Avg Borrower Income
$130,580
Avg Property Value
$337,054

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
IAILMOWI

Top Metro Areas by Place Specialization Score

1© Dirk · CC BY 2.0
Dubuque, IAMetro
Volume 57Mix 25.45% of portfolio
73/100
Strong
2© ABreiholz · CC BY-SA 3.0
Cedar Rapids, IAMetro
Volume 17Mix 7.59% of portfolio
52/100
Sound
Volume 16Mix 7.14% of portfolio
51/100
Sound

Top States by Place Specialization Score

Iowa
Iowa
1
IowaState
Volume 211Mix 94.20% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.