American B&T C, N.A. Mortgage Lending & HMDA Data, 2014
In 2014, American B&T C, N.A. of Davenport, IA reported 885 mortgage applications totaling $162.5 million, down 36% from 2013. The average application was for $183,615, and applicants reported an average income of $104,291. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (623), Chicago-Naperville-Arlington Heights, IL (86) and Elgin, IL (35) (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 | 885 |
| Total Mortgage Loan Application Amount | $162,500,000 |
| Average Mortgage Loan Application Amount | $183,615 |
| Highest Mortgage Loan Application Amount | $6,108,000 |
| Average Applicant Income | $104,291 |
| Highest Applicant Income | $1,692,000 |
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Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 523 | $91,828,000 | $175,000 | $6,108,000 | $98,000 | $749,000 |
| Refinancing | 324 | $67,033,000 | $206,000 | $1,705,000 | $118,000 | $1,692,000 |
| Home Improvement | 38 | $3,639,000 | $95,000 | $417,000 | $74,000 | $480,000 |
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 | 758 | $130,628,000 | $172,000 | $1,705,000 | $107,000 | $1,692,000 |
| Asian | 29 | $7,026,000 | $242,000 | $650,000 | $173,000 | $565,000 |
| Not applicable | 27 | $13,495,000 | $499,000 | $6,108,000 | $0 | $0 |
| Hispanic | 26 | $4,113,000 | $158,000 | $417,000 | $90,000 | $309,000 |
| Black or African American | 21 | $2,657,000 | $126,000 | $417,000 | $61,000 | $176,000 |
| Not Provided | 18 | $3,312,000 | $184,000 | $590,000 | $98,000 | $271,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,182,000 | $295,000 | $543,000 | $121,000 | $253,000 |
| American Indian or Alaskan Native | 2 | $87,000 | $43,000 | $72,000 | $54,000 | $69,000 |
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) | 673 | $129,830,000 | $192,000 | $6,108,000 | $115,000 | $1,692,000 |
| FHA-insured (Federal Housing Administration) | 130 | $17,108,000 | $131,000 | $407,000 | $62,000 | $661,000 |
| VA-guaranteed (Veterans Administration) | 67 | $13,954,000 | $208,000 | $590,000 | $87,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,608,000 | $107,000 | $139,000 | $44,000 | $62,000 |
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 | 712 | $135,094,000 | $189,000 | $6,108,000 | $108,000 | $1,692,000 |
| Application Withdrawn By Applicant | 90 | $16,192,000 | $179,000 | $664,000 | $97,000 | $478,000 |
| Application Denied By Financial Institution | 54 | $7,200,000 | $133,000 | $444,000 | $73,000 | $301,000 |
| Application Approved But Not Accepted | 25 | $3,442,000 | $137,000 | $645,000 | $94,000 | $400,000 |
| File Closed For Incompleteness | 4 | $572,000 | $143,000 | $207,000 | $43,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 26 | $3,543,000 | $136,000 | $291,000 | $78,000 | $301,000 |
| Credit History | 13 | $1,303,000 | $100,000 | $246,000 | $45,000 | $75,000 |
| Collateral | 6 | $1,190,000 | $198,000 | $444,000 | $102,000 | $255,000 |
| Other | 3 | $627,000 | $209,000 | $441,000 | $106,000 | $185,000 |
| Unverifiable Information | 3 | $358,000 | $119,000 | $220,000 | $76,000 | $110,000 |
| Employment History | 2 | $125,000 | $62,000 | $80,000 | $38,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $54,000 | $54,000 | $54,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American B&T C, N.A.'s 2014 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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