American B&T C, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, American B&T C, N.A. of Davenport, IA reported 309 mortgage applications totaling $50.1 million, down 23% from 2022. The average application was for $162,022, and applicants reported an average income of $127,996. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (237), Chicago-Naperville, IL (12) and Elgin, IL (9) (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 | 309 |
| Total Mortgage Loan Application Amount | $50,065,000 |
| Average Mortgage Loan Application Amount | $162,022 |
| Highest Mortgage Loan Application Amount | $2,645,000 |
| Average Applicant Income | $127,996 |
| Highest Applicant Income | $2,047,000 |
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Act (HMDA) records American B&T C, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 246 | $38,490,000 | $156,000 | $1,605,000 | $136,000 | $2,047,000 |
| Refinancing | 32 | $9,190,000 | $287,000 | $2,645,000 | $109,000 | $264,000 |
| Other Purpose | 11 | $435,000 | $39,000 | $145,000 | $77,000 | $137,000 |
| Home Improvement | 11 | $615,000 | $55,000 | $135,000 | $97,000 | $178,000 |
| Cash-out Refinancing | 9 | $1,335,000 | $148,000 | $235,000 | $77,000 | $136,000 |
| 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 | 245 | $38,425,000 | $156,000 | $2,645,000 | $102,000 | $2,047,000 |
| Hispanic | 28 | $1,790,000 | $63,000 | $195,000 | $59,000 | $117,000 |
| Asian | 13 | $4,455,000 | $342,000 | $1,605,000 | $753,000 | $1,652,000 |
| Not applicable | 13 | $3,315,000 | $255,000 | $695,000 | $0 | $0 |
| Not Provided | 4 | $1,120,000 | $280,000 | $525,000 | $250,000 | $340,000 |
| American Indian or Alaskan Native | 3 | $115,000 | $38,000 | $105,000 | $43,000 | $62,000 |
| Black or African American | 3 | $845,000 | $281,000 | $465,000 | $117,000 | $153,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 288 | $46,230,000 | $160,000 | $2,645,000 | $132,000 | $2,047,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,290,000 | $163,000 | $465,000 | $79,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,420,000 | $236,000 | $385,000 | $108,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
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 | 261 | $43,685,000 | $167,000 | $2,645,000 | $137,000 | $2,047,000 |
| Application Withdrawn By Applicant | 22 | $4,110,000 | $186,000 | $685,000 | $107,000 | $294,000 |
| Application Approved But Not Accepted | 13 | $1,245,000 | $95,000 | $235,000 | $85,000 | $189,000 |
| Application Denied By Financial Institution | 12 | $990,000 | $82,000 | $265,000 | $57,000 | $177,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $136,000 | $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 | 297 | $49,075,000 | $165,000 | $2,645,000 | $132,000 | $2,047,000 |
| Debt-To-Income Ratio | 7 | $445,000 | $63,000 | $155,000 | $46,000 | $177,000 |
| Employment History | 2 | $160,000 | $80,000 | $145,000 | $83,000 | $83,000 |
| Credit History | 2 | $120,000 | $60,000 | $115,000 | $72,000 | $108,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2023 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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