American Trust & Savings Bank Mortgage Lending & HMDA Data, 2018
In 2018, American Trust & Savings Bank of Dubuque, IA reported 748 mortgage applications totaling $143.2 million, down 14% from 2017. The average application was for $191,443, and applicants reported an average income of $98,239. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dubuque, IA (435), Des Moines-West Des Moines, IA (109) and Cedar Rapids, IA (16) (applications in parentheses).
| Mortgage Company & Address | American Trust & Savings Bank 895 Main Street Dubuque, IA 52001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 748 |
| Total Mortgage Loan Application Amount | $143,200,000 |
| Average Mortgage Loan Application Amount | $191,443 |
| Highest Mortgage Loan Application Amount | $11,415,000 |
| Average Applicant Income | $98,239 |
| Highest Applicant Income | $1,428,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dubuque, Iowa | 435 | $ 74,695,000 | $ 171,712 | $ 92,000 |
| Polk, Iowa | 68 | $ 12,480,000 | $ 183,529 | $ 111,000 |
| Grant, Wisconsin | 51 | $ 6,685,000 | $ 131,078 | $ 67,000 |
| Dallas, Iowa | 30 | $ 8,420,000 | $ 280,666 | $ 155,000 |
| Delaware, Iowa | 23 | $ 3,425,000 | $ 148,913 | $ 116,000 |
| Jo Daviess, Illinois | 19 | $ 2,715,000 | $ 142,894 | $ 103,000 |
| Clayton, Iowa | 9 | $ 925,000 | $ 102,777 | $ 66,000 |
| Jackson, Iowa | 9 | $ 1,825,000 | $ 202,777 | $ 127,000 |
| Jones, Iowa | 8 | $ 1,130,000 | $ 141,250 | $ 96,000 |
| Warren, Iowa | 8 | $ 2,620,000 | $ 327,500 | $ 170,000 |
| Lafayette, Wisconsin | 7 | $ 965,000 | $ 137,857 | $ 64,000 |
| Linn, Iowa | 6 | $ 910,000 | $ 151,666 | $ 76,000 |
| Maricopa, Arizona | 5 | $ 1,445,000 | $ 289,000 | $ 92,000 |
| Black Hawk, Iowa | 3 | $ 905,000 | $ 301,666 | $ 78,000 |
| Madison, Iowa | 3 | $ 605,000 | $ 201,666 | $ 95,000 |
| Scott, Iowa | 3 | $ 475,000 | $ 158,333 | $ 73,000 |
| Dane, Wisconsin | 3 | $ 755,000 | $ 251,666 | $ 85,000 |
| Cook, Illinois | 2 | $ 1,700,000 | $ 850,000 | $ 78,000 |
| Benton, Iowa | 2 | $ 560,000 | $ 280,000 | $ 180,000 |
| Hamilton, Iowa | 2 | $ 130,000 | $ 65,000 | $ 26,000 |
| Jasper, Iowa | 2 | $ 440,000 | $ 220,000 | $ 85,000 |
| Johnson, Iowa | 2 | $ 310,000 | $ 155,000 | $ 240,000 |
| Muscatine, Iowa | 2 | $ 400,000 | $ 200,000 | $ 114,000 |
| Story, Iowa | 2 | $ 320,000 | $ 160,000 | $ 165,000 |
| Woodbury, Iowa | 2 | $ 110,000 | $ 55,000 | $ 300,000 |
| Camden, Missouri | 2 | $ 420,000 | $ 210,000 | $ 405,000 |
| Brown, Wisconsin | 2 | $ 490,000 | $ 245,000 | $ 105,000 |
| Iowa, Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 39,000 |
| Solano, California | 1 | $ 315,000 | $ 315,000 | $ 236,000 |
| Eagle, Colorado | 1 | $ 805,000 | $ 805,000 | $ 335,000 |
| Larimer, Colorado | 1 | $ 295,000 | $ 295,000 | $ 319,000 |
| Buchanan, Iowa | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Cedar, Iowa | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Chickasaw, Iowa | 1 | $ 125,000 | $ 125,000 | $ 121,000 |
| Clinton, Iowa | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greene, Iowa | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Lee, Iowa | 1 | $ 275,000 | $ 275,000 | $ 140,000 |
| Marion, Iowa | 1 | $ 435,000 | $ 435,000 | $ 111,000 |
| Wapello, Iowa | 1 | $ 225,000 | $ 225,000 | $ 184,000 |
| Winneshiek, Iowa | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Douglas, Nebraska | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| Wake, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Tulsa, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Hidalgo, Texas | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Spokane, Washington | 1 | $ 395,000 | $ 395,000 | $ 479,000 |
| Adams, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 299,000 |
| Crawford, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Monroe, Wisconsin | 1 | $ 11,415,000 | $ 11,415,000 | $ 0 |
| Rock, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Sawyer, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 204,000 |
| Vilas, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Waukesha, Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2018
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 | 561 | $115,225,000 | $205,000 | $11,415,000 | $94,000 | $1,428,000 |
| Refinancing | 97 | $17,095,000 | $176,000 | $715,000 | $103,000 | $504,000 |
| Cash-out Refinancing | 48 | $8,050,000 | $167,000 | $555,000 | $101,000 | $313,000 |
| Other Purpose | 30 | $2,180,000 | $72,000 | $305,000 | $167,000 | $620,000 |
| Home Improvement | 12 | $650,000 | $54,000 | $335,000 | $75,000 | $166,000 |
| 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 | 676 | $114,730,000 | $169,000 | $805,000 | $98,000 | $1,428,000 |
| Not applicable | 34 | $22,690,000 | $667,000 | $11,415,000 | $0 | $0 |
| Asian | 15 | $2,845,000 | $189,000 | $455,000 | $106,000 | $620,000 |
| Hispanic | 7 | $1,075,000 | $153,000 | $315,000 | $102,000 | $236,000 |
| Not Provided | 7 | $455,000 | $65,000 | $225,000 | $50,000 | $144,000 |
| Black or African American | 6 | $840,000 | $140,000 | $285,000 | $64,000 | $134,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 716 | $138,760,000 | $193,000 | $11,415,000 | $101,000 | $1,428,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,025,000 | $131,000 | $225,000 | $52,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,220,000 | $152,000 | $285,000 | $56,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 1 | $195,000 | $195,000 | $195,000 | $66,000 | $66,000 |
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 | 643 | $130,535,000 | $203,000 | $11,415,000 | $102,000 | $824,000 |
| Application Denied By Financial Institution | 63 | $6,685,000 | $106,000 | $585,000 | $53,000 | $236,000 |
| Application Withdrawn By Applicant | 33 | $4,785,000 | $145,000 | $545,000 | $120,000 | $1,428,000 |
| Application Approved But Not Accepted | 8 | $1,130,000 | $141,000 | $305,000 | $107,000 | $250,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $144,000 | $144,000 |
| 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 | 685 | $136,515,000 | $199,000 | $11,415,000 | $103,000 | $1,428,000 |
| Credit History | 27 | $1,775,000 | $65,000 | $205,000 | $45,000 | $162,000 |
| Debt-To-Income Ratio | 22 | $3,140,000 | $142,000 | $585,000 | $60,000 | $236,000 |
| Other | 9 | $1,315,000 | $146,000 | $225,000 | $65,000 | $80,000 |
| Collateral | 3 | $225,000 | $75,000 | $115,000 | $36,000 | $42,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $145,000 | $56,000 | $82,000 |
| 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 Trust & Savings Bank's 2018 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 Trust & Savings 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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