American B&T C, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, American B&T C, N.A. of Davenport, IA reported 3,057 mortgage applications totaling $646.3 million, up 4% from 2009. The average application was for $211,411, and applicants reported an average income of $122,245. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (1,721), Davenport-Moline-Rock Island, IA-IL (863) and Lake County-Kenosha County, IL-WI (172) (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 | 3,057 |
| Total Mortgage Loan Application Amount | $646,284,000 |
| Average Mortgage Loan Application Amount | $211,411 |
| Highest Mortgage Loan Application Amount | $9,012,000 |
| Average Applicant Income | $122,245 |
| Highest Applicant Income | $2,577,000 |
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Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 2,500 | $555,280,000 | $222,000 | $9,012,000 | $126,000 | $2,577,000 |
| Home Purchase | 500 | $88,364,000 | $176,000 | $950,000 | $110,000 | $2,441,000 |
| Home Improvement | 57 | $2,640,000 | $46,000 | $1,327,000 | $65,000 | $316,000 |
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 | 2,570 | $532,724,000 | $207,000 | $1,327,000 | $124,000 | $2,577,000 |
| Not Provided | 217 | $46,924,000 | $216,000 | $561,000 | $126,000 | $2,101,000 |
| Asian | 111 | $27,180,000 | $244,000 | $880,000 | $129,000 | $728,000 |
| Hispanic | 93 | $16,104,000 | $173,000 | $417,000 | $101,000 | $2,182,000 |
| Black or African American | 42 | $7,091,000 | $168,000 | $391,000 | $73,000 | $192,000 |
| Not applicable | 15 | $14,726,000 | $981,000 | $9,012,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,132,000 | $161,000 | $417,000 | $73,000 | $151,000 |
| American Indian or Alaskan Native | 2 | $403,000 | $201,000 | $314,000 | $98,000 | $154,000 |
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) | 2,701 | $581,478,000 | $215,000 | $9,012,000 | $130,000 | $2,577,000 |
| FHA-insured (Federal Housing Administration) | 350 | $63,572,000 | $181,000 | $587,000 | $62,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 4 | $766,000 | $191,000 | $365,000 | $97,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $468,000 | $234,000 | $400,000 | $122,000 | $219,000 |
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 | 2,573 | $549,388,000 | $213,000 | $9,012,000 | $125,000 | $2,577,000 |
| Application Approved But Not Accepted | 160 | $33,805,000 | $211,000 | $417,000 | $118,000 | $728,000 |
| Application Denied By Financial Institution | 154 | $30,355,000 | $197,000 | $950,000 | $90,000 | $537,000 |
| Application Withdrawn By Applicant | 152 | $28,794,000 | $189,000 | $587,000 | $106,000 | $783,000 |
| File Closed For Incompleteness | 18 | $3,942,000 | $219,000 | $417,000 | $111,000 | $245,000 |
| 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 | 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 |
|---|---|---|---|---|---|---|
| Collateral | 69 | $13,816,000 | $200,000 | $409,000 | $114,000 | $537,000 |
| Debt-To-Income Ratio | 49 | $9,332,000 | $190,000 | $950,000 | $62,000 | $204,000 |
| Credit History | 13 | $2,113,000 | $162,000 | $419,000 | $73,000 | $163,000 |
| Employment History | 6 | $1,340,000 | $223,000 | $334,000 | $91,000 | $160,000 |
| Credit Application Incomplete | 6 | $1,191,000 | $198,000 | $294,000 | $110,000 | $186,000 |
| Other | 4 | $650,000 | $162,000 | $328,000 | $73,000 | $146,000 |
| Unverifiable Information | 4 | $1,173,000 | $293,000 | $409,000 | $84,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $462,000 | $231,000 | $295,000 | $48,000 | $52,000 |
| Mortgage Insurance Denied | 1 | $278,000 | $278,000 | $278,000 | $106,000 | $106,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American B&T C, N.A.'s 2010 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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