American B&T C, N.A. Mortgage Lending & HMDA Data, 2012
In 2012, American B&T C, N.A. of Davenport, IA reported 2,158 mortgage applications totaling $445.4 million, down 3% from 2011. The average application was for $206,405, and applicants reported an average income of $96,699. 76% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (827), Chicago-Joliet-Naperville, IL (802) and Lake County-Kenosha County, IL-WI (46) (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 | 2,158 |
| Total Mortgage Loan Application Amount | $445,423,000 |
| Average Mortgage Loan Application Amount | $206,405 |
| Highest Mortgage Loan Application Amount | $8,890,000 |
| Average Applicant Income | $96,699 |
| Highest Applicant Income | $2,123,000 |
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Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 1,810 | $390,864,000 | $215,000 | $8,890,000 | $97,000 | $2,123,000 |
| Home Purchase | 333 | $54,302,000 | $163,000 | $700,000 | $96,000 | $1,371,000 |
| Home Improvement | 15 | $257,000 | $17,000 | $40,000 | $76,000 | $175,000 |
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 | 1,884 | $375,666,000 | $199,000 | $2,000,000 | $100,000 | $2,123,000 |
| Hispanic | 81 | $14,450,000 | $178,000 | $412,000 | $55,000 | $240,000 |
| Not Provided | 63 | $14,095,000 | $223,000 | $1,320,000 | $125,000 | $2,037,000 |
| Asian | 51 | $12,605,000 | $247,000 | $531,000 | $108,000 | $450,000 |
| Black or African American | 45 | $8,269,000 | $183,000 | $417,000 | $44,000 | $255,000 |
| Not applicable | 25 | $18,605,000 | $744,000 | $8,890,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $764,000 | $152,000 | $335,000 | $90,000 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $969,000 | $242,000 | $375,000 | $153,000 | $251,000 |
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) | 1,592 | $338,448,000 | $212,000 | $8,890,000 | $122,000 | $2,123,000 |
| FHA-insured (Federal Housing Administration) | 556 | $105,492,000 | $189,000 | $435,000 | $26,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $758,000 | $126,000 | $161,000 | $48,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 4 | $725,000 | $181,000 | $414,000 | $75,000 | $166,000 |
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 | 1,646 | $334,317,000 | $203,000 | $8,890,000 | $97,000 | $2,123,000 |
| Application Withdrawn By Applicant | 254 | $58,818,000 | $231,000 | $1,400,000 | $104,000 | $609,000 |
| Application Denied By Financial Institution | 134 | $25,523,000 | $190,000 | $545,000 | $84,000 | $773,000 |
| File Closed For Incompleteness | 71 | $17,148,000 | $241,000 | $1,350,000 | $103,000 | $450,000 |
| Application Approved But Not Accepted | 53 | $9,617,000 | $181,000 | $645,000 | $84,000 | $260,000 |
| 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 | 48 | $10,175,000 | $211,000 | $545,000 | $114,000 | $773,000 |
| Debt-To-Income Ratio | 38 | $7,429,000 | $195,000 | $446,000 | $63,000 | $165,000 |
| Credit History | 25 | $3,346,000 | $133,000 | $321,000 | $76,000 | $250,000 |
| Unverifiable Information | 6 | $1,221,000 | $203,000 | $510,000 | $63,000 | $116,000 |
| Other | 5 | $1,256,000 | $251,000 | $416,000 | $47,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $988,000 | $197,000 | $412,000 | $62,000 | $110,000 |
| Employment History | 4 | $533,000 | $133,000 | $175,000 | $57,000 | $96,000 |
| Credit Application Incomplete | 2 | $364,000 | $182,000 | $288,000 | $83,000 | $106,000 |
| Mortgage Insurance Denied | 1 | $211,000 | $211,000 | $211,000 | $80,000 | $80,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American B&T C, N.A.'s 2012 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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