American State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
American State Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | American State Bank 525 N Main Ave, Po Box 140 Sioux Center, IA 51250 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 1,440 |
| Total Mortgage Loan Application Amount | $267,240,000 |
| Average Mortgage Loan Application Amount | $153,250 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $78,250 |
| Highest Applicant Income | $924,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with American State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down American State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by American State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American State Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sioux County Iowa | 803 | $ 144,535,000 | $ 179,000 | $ 100,000 |
| Lyon County Iowa | 177 | $ 27,465,000 | $ 155,000 | $ 85,000 |
| Minnehaha County South Dakota | 65 | $ 13,915,000 | $ 214,000 | $ 109,000 |
| Lincoln County South Dakota | 62 | $ 13,500,000 | $ 217,000 | $ 109,000 |
| O'Brien County Iowa | 54 | $ 8,120,000 | $ 150,000 | $ 91,000 |
| Dickinson County Iowa | 43 | $ 10,975,000 | $ 255,000 | $ 161,000 |
| Plymouth County Iowa | 41 | $ 8,145,000 | $ 198,000 | $ 101,000 |
| Woodbury County Iowa | 13 | $ 2,495,000 | $ 191,000 | $ 112,000 |
| Polk County Iowa | 10 | $ 2,610,000 | $ 261,000 | $ 173,000 |
| Douglas County Nebraska | 10 | $ 1,710,000 | $ 171,000 | $ 97,000 |
| Osceola County Iowa | 7 | $ 865,000 | $ 123,000 | $ 97,000 |
| Cherokee County Iowa | 6 | $ 1,000,000 | $ 166,000 | $ 119,000 |
| Clay County Iowa | 6 | $ 960,000 | $ 160,000 | $ 108,000 |
| Dallas County Iowa | 6 | $ 1,160,000 | $ 193,000 | $ 118,000 |
| El Paso County Colorado | 5 | $ 1,385,000 | $ 277,000 | $ 164,000 |
| Ramsey County Minnesota | 5 | $ 1,135,000 | $ 227,000 | $ 143,000 |
| Brookings County South Dakota | 5 | $ 675,000 | $ 135,000 | $ 181,000 |
| Pottawattamie County Iowa | 4 | $ 860,000 | $ 215,000 | $ 80,000 |
| Story County Iowa | 4 | $ 860,000 | $ 215,000 | $ 118,000 |
| Clay County South Dakota | 4 | $ 730,000 | $ 182,000 | $ 107,000 |
| Jackson County Minnesota | 3 | $ 155,000 | $ 51,000 | $ 0 |
| Murray County Minnesota | 3 | $ 505,000 | $ 168,000 | $ 124,000 |
| Sarpy County Nebraska | 3 | $ 745,000 | $ 248,000 | $ 130,000 |
| Lawrence County South Dakota | 3 | $ 915,000 | $ 305,000 | $ 125,000 |
| Turner County South Dakota | 3 | $ 195,000 | $ 65,000 | $ 121,000 |
| Maricopa County Arizona | 2 | $ 640,000 | $ 320,000 | $ 437,000 |
| Jefferson County Colorado | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Houston County Georgia | 2 | $ 330,000 | $ 165,000 | $ 74,000 |
| Adams County Iowa | 2 | $ 90,000 | $ 45,000 | $ 33,000 |
| Buena Vista County Iowa | 2 | $ 320,000 | $ 160,000 | $ 104,000 |
| Palo Alto County Iowa | 2 | $ 210,000 | $ 105,000 | $ 101,000 |
| Kent County Michigan | 2 | $ 230,000 | $ 115,000 | $ 89,000 |
| Hennepin County Minnesota | 2 | $ 420,000 | $ 210,000 | $ 113,000 |
| Isanti County Minnesota | 2 | $ 630,000 | $ 315,000 | $ 104,000 |
| Rock County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 66,000 |
| Dakota County Nebraska | 2 | $ 260,000 | $ 130,000 | $ 99,000 |
| Dawes County Nebraska | 2 | $ 710,000 | $ 355,000 | $ 191,000 |
| Buffalo County South Dakota | 2 | $ 400,000 | $ 200,000 | $ 51,000 |
| Meade County South Dakota | 2 | $ 420,000 | $ 210,000 | $ 209,000 |
| Los Angeles County California | 1 | $ 515,000 | $ 515,000 | $ 334,000 |
| San Bernardino County California | 1 | $ 515,000 | $ 515,000 | $ 87,000 |
| Adams County Colorado | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Elbert County Colorado | 1 | $ 215,000 | $ 215,000 | $ 195,000 |
| Collier County Florida | 1 | $ 505,000 | $ 505,000 | $ 454,000 |
| Lee County Florida | 1 | $ 135,000 | $ 135,000 | $ 131,000 |
| Orange County Florida | 1 | $ 155,000 | $ 155,000 | $ 310,000 |
| Osceola County Florida | 1 | $ 515,000 | $ 515,000 | $ 310,000 |
| Polk County Florida | 1 | $ 355,000 | $ 355,000 | $ 464,000 |
| DeKalb County Georgia | 1 | $ 345,000 | $ 345,000 | $ 192,000 |
| Cook County Illinois | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| LaSalle County Illinois | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Boone County Iowa | 1 | $ 405,000 | $ 405,000 | $ 173,000 |
| Carroll County Iowa | 1 | $ 235,000 | $ 235,000 | $ 182,000 |
| Cass County Iowa | 1 | $ 75,000 | $ 75,000 | $ 116,000 |
| Guthrie County Iowa | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Harrison County Iowa | 1 | $ 355,000 | $ 355,000 | $ 165,000 |
| Jefferson County Iowa | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Madison County Iowa | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Marion County Iowa | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Monona County Iowa | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Pocahontas County Iowa | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Warren County Iowa | 1 | $ 335,000 | $ 335,000 | $ 106,000 |
| Winnebago County Iowa | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Dickinson County Kansas | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Shawnee County Kansas | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Ottawa County Michigan | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Cass County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| Crow Wing County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 26,000 |
| Dakota County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Hubbard County Minnesota | 1 | $ 395,000 | $ 395,000 | $ 191,000 |
| Kandiyohi County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 128,000 |
| Nobles County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 97,000 |
| Olmsted County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 147,000 |
| Otter Tail County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 337,000 |
| Stearns County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Oktibbeha County Mississippi | 1 | $ 415,000 | $ 415,000 | $ 350,000 |
| Jasper County Missouri | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Platte County Missouri | 1 | $ 225,000 | $ 225,000 | $ 253,000 |
| St. Louis County Missouri | 1 | $ 155,000 | $ 155,000 | $ 160,000 |
| Taney County Missouri | 1 | $ 455,000 | $ 455,000 | $ 291,000 |
| Gallatin County Montana | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Cass County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Knox County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 368,000 |
| Washington County Nebraska | 1 | $ 355,000 | $ 355,000 | $ 235,000 |
| Wayne County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Cumberland County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Jackson County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 154,000 |
| Orange County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 56,000 |
| Bryan County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Bon Homme County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Charles Mix County South Dakota | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Codington County South Dakota | 1 | $ 295,000 | $ 295,000 | $ 174,000 |
| Davison County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Day County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Deuel County South Dakota | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Hughes County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Moody County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Pennington County South Dakota | 1 | $ 355,000 | $ 355,000 | $ 250,000 |
| Union County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Yankton County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 87,000 |
| Sevier County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 109,000 |
| Davis County Utah | 1 | $ 365,000 | $ 365,000 | $ 154,000 |
| Salt Lake County Utah | 1 | $ 425,000 | $ 425,000 | $ 72,000 |
| Eau Claire County Wisconsin | 1 | $ 375,000 | $ 375,000 | $ 245,000 |
| Milwaukee County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Waukesha County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for American State Bank in 2020
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 | 782 | $144,590,000 | $184,000 | $555,000 | $107,000 | $792,000 |
| Home Purchase | 389 | $71,215,000 | $183,000 | $605,000 | $94,000 | $924,000 |
| Cash-out Refinancing | 268 | $51,380,000 | $191,000 | $515,000 | $112,000 | $747,000 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,265 | $235,445,000 | $186,000 | $515,000 | $106,000 | $924,000 |
| Not Provided | 76 | $14,930,000 | $196,000 | $515,000 | $117,000 | $747,000 |
| Hispanic | 62 | $9,840,000 | $158,000 | $345,000 | $70,000 | $252,000 |
| Not applicable | 20 | $4,030,000 | $201,000 | $605,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,405,000 | $200,000 | $335,000 | $72,000 | $146,000 |
| Asian | 3 | $505,000 | $168,000 | $325,000 | $49,000 | $60,000 |
| Black or African American | 3 | $535,000 | $178,000 | $255,000 | $98,000 | $108,000 |
| 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) | 1,435 | $266,295,000 | $185,000 | $605,000 | $105,000 | $924,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $945,000 | $189,000 | $305,000 | $71,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,214 | $225,870,000 | $186,000 | $605,000 | $108,000 | $924,000 |
| Application Denied By Financial Institution | 110 | $19,340,000 | $175,000 | $475,000 | $74,000 | $281,000 |
| Application Approved But Not Accepted | 102 | $19,080,000 | $187,000 | $515,000 | $102,000 | $427,000 |
| Application Withdrawn By Applicant | 11 | $2,505,000 | $227,000 | $395,000 | $132,000 | $611,000 |
| File Closed For Incompleteness | 3 | $445,000 | $148,000 | $225,000 | $65,000 | $122,000 |
| 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 | 1,440 | $267,240,000 | $185,000 | $605,000 | $105,000 | $924,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American State Bank's 2020 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 State Bank'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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with aggregated HMDA statistics today.