American B&T C, N.A. Mortgage Lending & HMDA Data, 2021
In 2021, American B&T C, N.A. of Davenport, IA reported 695 mortgage applications totaling $140.3 million, down 33% from 2020. The average application was for $201,920, and applicants reported an average income of $133,610. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (495), Chicago-Naperville, IL (63) and Elgin, IL (26) (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 | 695 |
| Total Mortgage Loan Application Amount | $140,335,000 |
| Average Mortgage Loan Application Amount | $201,920 |
| Highest Mortgage Loan Application Amount | $6,955,000 |
| Average Applicant Income | $133,610 |
| Highest Applicant Income | $2,136,000 |
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Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 383 | $59,965,000 | $156,000 | $705,000 | $134,000 | $1,664,000 |
| Refinancing | 218 | $65,270,000 | $299,000 | $6,955,000 | $140,000 | $2,136,000 |
| Cash-out Refinancing | 81 | $14,425,000 | $178,000 | $1,205,000 | $117,000 | $744,000 |
| Other Purpose | 7 | $495,000 | $70,000 | $205,000 | $136,000 | $289,000 |
| Home Improvement | 6 | $180,000 | $30,000 | $55,000 | $98,000 | $160,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 551 | $99,755,000 | $181,000 | $3,675,000 | $113,000 | $2,136,000 |
| Asian | 56 | $13,050,000 | $233,000 | $2,155,000 | $382,000 | $1,664,000 |
| Hispanic | 35 | $4,385,000 | $125,000 | $525,000 | $81,000 | $670,000 |
| Not applicable | 20 | $19,220,000 | $961,000 | $6,955,000 | $0 | $0 |
| Black or African American | 15 | $1,735,000 | $115,000 | $335,000 | $50,000 | $88,000 |
| Not Provided | 13 | $1,535,000 | $118,000 | $255,000 | $204,000 | $1,452,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $445,000 | $148,000 | $245,000 | $97,000 | $171,000 |
| American Indian or Alaskan Native | 2 | $210,000 | $105,000 | $125,000 | $57,000 | $65,000 |
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) | 612 | $126,220,000 | $206,000 | $6,955,000 | $143,000 | $2,136,000 |
| FHA-insured (Federal Housing Administration) | 51 | $8,175,000 | $160,000 | $365,000 | $65,000 | $242,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,520,000 | $205,000 | $335,000 | $66,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,420,000 | $142,000 | $255,000 | $56,000 | $81,000 |
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 | 588 | $121,420,000 | $206,000 | $6,955,000 | $130,000 | $1,664,000 |
| Application Withdrawn By Applicant | 74 | $12,610,000 | $170,000 | $545,000 | $115,000 | $665,000 |
| Application Approved But Not Accepted | 14 | $2,910,000 | $207,000 | $1,165,000 | $346,000 | $1,563,000 |
| Application Denied By Financial Institution | 12 | $1,530,000 | $127,000 | $315,000 | $77,000 | $168,000 |
| File Closed For Incompleteness | 7 | $1,865,000 | $266,000 | $1,005,000 | $372,000 | $2,136,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 683 | $138,805,000 | $203,000 | $6,955,000 | $135,000 | $2,136,000 |
| Collateral | 7 | $595,000 | $85,000 | $165,000 | $83,000 | $168,000 |
| Debt-To-Income Ratio | 2 | $220,000 | $110,000 | $125,000 | $97,000 | $148,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $30,000 | $30,000 |
| Unverifiable Information | 1 | $295,000 | $295,000 | $295,000 | $45,000 | $45,000 |
| Credit History | 1 | $315,000 | $315,000 | $315,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2021 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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