American B&T C, N.A. Mortgage Lending & HMDA Data, 2008
In 2008, American B&T C, N.A. of Davenport, IA reported 1,317 mortgage applications totaling $230.5 million, up 4% from 2007. The average application was for $175,054, and applicants reported an average income of $101,196. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (761), Chicago-Naperville-Joliet, IL (290) and Iowa City, IA (87) (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 | 1,317 |
| Total Mortgage Loan Application Amount | $230,547,000 |
| Average Mortgage Loan Application Amount | $175,054 |
| Highest Mortgage Loan Application Amount | $9,012,000 |
| Average Applicant Income | $101,196 |
| Highest Applicant Income | $4,530,000 |
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Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 | 762 | $146,710,000 | $192,000 | $9,012,000 | $100,000 | $4,530,000 |
| Home Purchase | 391 | $75,952,000 | $194,000 | $2,348,000 | $112,000 | $2,237,000 |
| Home Improvement | 164 | $7,885,000 | $48,000 | $1,590,000 | $81,000 | $696,000 |
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 | 1,036 | $158,587,000 | $153,000 | $1,531,000 | $107,000 | $4,530,000 |
| Not Provided | 130 | $26,305,000 | $202,000 | $4,200,000 | $94,000 | $620,000 |
| Hispanic | 73 | $11,440,000 | $156,000 | $409,000 | $68,000 | $228,000 |
| Black or African American | 35 | $4,824,000 | $137,000 | $336,000 | $60,000 | $148,000 |
| Not applicable | 24 | $24,770,000 | $1,032,000 | $9,012,000 | $6,000 | $86,000 |
| Asian | 13 | $3,105,000 | $238,000 | $417,000 | $127,000 | $406,000 |
| American Indian or Alaskan Native | 5 | $1,116,000 | $223,000 | $530,000 | $86,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $400,000 | $400,000 | $400,000 | $131,000 | $131,000 |
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) | 1,167 | $207,897,000 | $178,000 | $9,012,000 | $107,000 | $4,530,000 |
| FHA-insured (Federal Housing Administration) | 149 | $22,435,000 | $150,000 | $409,000 | $56,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 1 | $215,000 | $215,000 | $215,000 | $77,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,059 | $188,322,000 | $177,000 | $9,012,000 | $106,000 | $4,530,000 |
| Application Withdrawn By Applicant | 129 | $24,698,000 | $191,000 | $4,200,000 | $95,000 | $959,000 |
| Application Denied By Financial Institution | 105 | $12,853,000 | $122,000 | $1,120,000 | $66,000 | $308,000 |
| Application Approved But Not Accepted | 24 | $4,674,000 | $194,000 | $1,800,000 | $75,000 | $160,000 |
| 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 |
| Preapproval Denied by Financial Institution | 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 | 33 | $2,471,000 | $74,000 | $328,000 | $55,000 | $150,000 |
| Collateral | 32 | $4,021,000 | $125,000 | $248,000 | $72,000 | $225,000 |
| Debt-To-Income Ratio | 26 | $4,857,000 | $186,000 | $1,120,000 | $71,000 | $308,000 |
| Other | 6 | $419,000 | $69,000 | $125,000 | $90,000 | $219,000 |
| Employment History | 5 | $595,000 | $119,000 | $217,000 | $40,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $295,000 | $147,000 | $175,000 | $49,000 | $68,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $79,000 | $79,000 |
| Unverifiable Information | 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 2008 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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