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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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AMERICAN TRUST & SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN TRUST & SAVINGS BANK |
| Address | 895 MAIN STREET
DUBUQUE, IA 52001 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 619 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $78,805,000 |
| Average Mortgage Loan Amount Applied For | $618,115 |
| Highest Mortgage Loan Amount Applied For | $12,000,000 |
| Average Applicant Income | $100,653 |
| Highest Applicant Income | $826,000 |
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| Home Improvement |
85 | $4,127,000 |
$48,000 | $720,000 |
$71,000 | $713,000 |
| Home Purchase |
344 | $52,595,000 |
$152,000 | $12,000,000 |
$69,000 | $826,000 |
| Refinancing |
206 | $22,604,000 |
$109,000 | $1,850,000 |
$64,000 | $759,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $705,000 |
$235,000 | $558,000 |
$220,000 | $325,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $74,000 |
$74,000 | $74,000 |
$148,000 | $148,000 |
| Not applicable |
54 | $21,254,000 |
$393,000 | $12,000,000 |
$2,000 | $145,000 |
| Not Provided |
6 | $158,000 |
$26,000 | $82,000 |
$44,000 | $64,000 |
| White |
571 | $57,135,000 |
$100,000 | $626,000 |
$73,000 | $826,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
603 | $76,407,000 |
$126,000 | $12,000,000 |
$69,000 | $826,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
31 | $2,696,000 |
$86,000 | $163,000 |
$35,000 | $71,000 |
| VA-guaranteed (Veterans Administration) |
1 | $223,000 |
$223,000 | $223,000 |
$83,000 | $83,000 |
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| Application Approved But Not Accepted |
2 | $276,000 |
$138,000 | $153,000 |
$67,000 | $74,000 |
| Application Denied By Financial Institution |
58 | $4,118,000 |
$71,000 | $417,000 |
$56,000 | $759,000 |
| Application Withdrawn By Applicant |
20 | $2,063,000 |
$103,000 | $342,000 |
$68,000 | $169,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
553 | $72,589,000 |
$131,000 | $12,000,000 |
$69,000 | $826,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
2 | $280,000 |
$140,000 | $152,000 |
$65,000 | $89,000 |
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| Collateral |
1 | $417,000 |
$417,000 | $417,000 |
$759,000 | $759,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
35 | $2,816,000 |
$80,000 | $320,000 |
$51,000 | $153,000 |
| Debt-To-Income Ratio |
19 | $1,037,000 |
$54,000 | $312,000 |
$34,000 | $80,000 |
| Employment History |
3 | $22,000 |
$7,000 | $11,000 |
$31,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $30,000 |
$30,000 | $30,000 |
$50,000 | $50,000 |
| Unverifiable Information |
1 | $76,000 |
$76,000 | $76,000 |
$30,000 | $30,000 |
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Mortgage Loan App Totals for AMERICAN TRUST & SAVINGS BANK by:
Metropolitan Area And
County
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