American B&T C, N.A. Mortgage Lending & HMDA Data, 2005
In 2005, American B&T C, N.A. of Davenport, IA reported 1,037 mortgage applications totaling $106.1 million, down 6% from 2004. The average application was for $102,304, and applicants reported an average income of $73,187. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (230), Iowa City, IA (103) and Chicago-Naperville-Joliet, IL (52) (applications in parentheses).
| Mortgage Company & Address | American B&T C, N.A. 4301 E 53rd Street Davenport, IA 52807 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,037 |
| Total Mortgage Loan Application Amount | $106,090,000 |
| Average Mortgage Loan Application Amount | $102,304 |
| Highest Mortgage Loan Application Amount | $730,000 |
| Average Applicant Income | $73,187 |
| Highest Applicant Income | $9,390,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for American B&T C, N.A. in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 446 | $52,646,000 | $243,250 | $630,000 | $136,000 | $450,000 |
| Home Purchase | 412 | $49,484,000 | $153,909 | $730,000 | $227,454 | $9,390,000 |
| Home Improvement | 179 | $3,960,000 | $23,500 | $128,000 | $53,000 | $245,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 981 | $99,815,000 | $168,111 | $730,000 | $255,888 | $9,390,000 |
| Black or African American | 16 | $1,593,000 | $129,250 | $197,000 | $66,250 | $112,000 |
| Hispanic | 14 | $1,006,000 | $116,000 | $292,000 | $69,000 | $190,000 |
| Not Provided | 14 | $1,776,000 | $102,666 | $270,000 | $36,333 | $247,000 |
| Asian | 8 | $1,469,000 | $149,000 | $577,000 | $60,000 | $155,000 |
| Not applicable | 2 | $393,000 | $196,000 | $300,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $28,000 | $28,000 | $28,000 | $76,000 | $76,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,037 | $106,090,000 | $158,818 | $730,000 | $215,727 | $9,390,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 905 | $90,457,000 | $150,333 | $672,000 | $292,111 | $9,390,000 |
| Application Withdrawn By Applicant | 69 | $9,521,000 | $268,000 | $730,000 | $166,600 | $650,000 |
| Application Denied By Financial Institution | 44 | $4,296,000 | $88,000 | $630,000 | $54,500 | $293,000 |
| Preapproval Denied by Financial Institution | 13 | $1,685,000 | $129,000 | $360,000 | $65,000 | $125,000 |
| Application Approved But Not Accepted | 6 | $131,000 | $21,000 | $62,000 | $56,000 | $70,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 34 | $2,873,000 | $87,666 | $450,000 | $51,000 | $99,000 |
| Debt-To-Income Ratio | 14 | $1,233,000 | $79,000 | $232,000 | $44,000 | $214,000 |
| Collateral | 5 | $1,138,000 | $227,000 | $630,000 | $122,000 | $293,000 |
| Unverifiable Information | 2 | $342,000 | $171,000 | $179,000 | $55,000 | $60,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $360,000 | $360,000 | $360,000 | $125,000 | $125,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American B&T C, N.A.'s 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American B&T C, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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