American Trust & Savings Bank Mortgage Lending & HMDA Data, 2003
In 2003, American Trust & Savings Bank of Dubuque, IA reported 2,073 mortgage applications totaling $205.3 million. The average application was for $99,046, and applicants reported an average income of $74,554. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Dubuque, IA (1,704), Iowa City, IA (5) and Cedar Rapids, IA (4) (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 | 2,073 |
| Total Mortgage Loan Application Amount | $205,323,000 |
| Average Mortgage Loan Application Amount | $99,046 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $74,554 |
| Highest Applicant Income | $1,281,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,704 | $ 170,279,000 | $ 99,928 | $ 64,000 |
| Grant, Wisconsin | 136 | $ 12,221,000 | $ 89,860 | $ 39,000 |
| Jo Daviess, Illinois | 57 | $ 6,932,000 | $ 121,614 | $ 58,000 |
| Delaware, Iowa | 46 | $ 3,427,000 | $ 74,500 | $ 47,000 |
| Jackson, Iowa | 43 | $ 4,103,000 | $ 95,418 | $ 50,000 |
| Lafayette, Wisconsin | 20 | $ 1,527,000 | $ 76,350 | $ 46,000 |
| Clayton, Iowa | 16 | $ 1,230,000 | $ 76,875 | $ 57,000 |
| Jones, Iowa | 14 | $ 1,025,000 | $ 73,214 | $ 72,000 |
| Johnson, Iowa | 5 | $ 275,000 | $ 55,000 | $ 71,000 |
| Linn, Iowa | 4 | $ 305,000 | $ 76,250 | $ 72,000 |
| Scott, Iowa | 3 | $ 340,000 | $ 113,333 | $ 115,000 |
| Richland, Wisconsin | 3 | $ 458,000 | $ 152,666 | $ 55,000 |
| Collier, Florida | 2 | $ 420,000 | $ 210,000 | $ 162,000 |
| Black Hawk, Iowa | 2 | $ 312,000 | $ 156,000 | $ 100,000 |
| Polk, Iowa | 2 | $ 238,000 | $ 119,000 | $ 60,000 |
| Crawford, Wisconsin | 2 | $ 187,000 | $ 93,500 | $ 30,000 |
| Dane, Wisconsin | 2 | $ 157,000 | $ 78,500 | $ 97,000 |
| Maricopa, Arizona | 1 | $ 323,000 | $ 323,000 | $ 413,000 |
| Lee, Florida | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 140,000 | $ 140,000 | $ 101,000 |
| DuPage, Illinois | 1 | $ 473,000 | $ 473,000 | $ 401,000 |
| Buchanan, Iowa | 1 | $ 26,000 | $ 26,000 | $ 38,000 |
| Des Moines, Iowa | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Iowa, Iowa | 1 | $ 158,000 | $ 158,000 | $ 108,000 |
| Muscatine, Iowa | 1 | $ 98,000 | $ 98,000 | $ 105,000 |
| Johnson, Kansas | 1 | $ 220,000 | $ 220,000 | $ 81,000 |
| Iowa, Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 79,000 |
| La Crosse, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Waukesha, Wisconsin | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,724 | $172,278,000 | $148,200 | $1,000,000 | $74,400 | $1,281,000 |
| Home Purchase (one-to-four family) | 292 | $30,065,000 | $162,200 | $612,000 | $147,800 | $603,000 |
| Home Improvement (one-to-four family) | 48 | $915,000 | $10,333 | $140,000 | $48,000 | $135,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 9 | $2,065,000 | $229,000 | $600,000 | $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 | 2,014 | $201,037,000 | $176,500 | $1,000,000 | $134,833 | $1,281,000 |
| Not applicable | 43 | $3,036,000 | $70,000 | $600,000 | $2,000 | $78,000 |
| Information not provided by applicant in mail or telephone application | 9 | $314,000 | $34,000 | $87,000 | $44,000 | $80,000 |
| Hispanic | 3 | $264,000 | $88,000 | $226,000 | $81,000 | $145,000 |
| American Indian or Alaskan Native | 2 | $569,000 | $284,000 | $500,000 | $174,000 | $268,000 |
| Asian or Pacific Islander | 2 | $103,000 | $51,000 | $70,000 | $111,000 | $185,000 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 2,053 | $203,896,000 | $176,666 | $1,000,000 | $134,666 | $1,281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,145,000 | $79,000 | $122,000 | $35,000 | $52,000 |
| FHA-insured (Federal Housing Administration) | 4 | $282,000 | $70,000 | $85,000 | $219,000 | $219,000 |
| VA-guaranteed (Veterans 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 | 1,986 | $199,101,000 | $177,333 | $1,000,000 | $142,833 | $1,281,000 |
| Application Denied By Financial Institution | 72 | $4,721,000 | $72,333 | $172,000 | $33,666 | $117,000 |
| Application Withdrawn By Applicant | 14 | $1,424,000 | $100,000 | $295,000 | $52,666 | $200,000 |
| Application Approved But Not Accepted | 1 | $77,000 | $77,000 | $77,000 | $16,000 | $16,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 33 | $2,039,000 | $63,000 | $172,000 | $40,333 | $117,000 |
| Debt-To-Income Ratio | 25 | $1,849,000 | $84,666 | $165,000 | $26,333 | $68,000 |
| Employment History | 5 | $184,000 | $43,500 | $99,000 | $27,500 | $37,000 |
| Collateral | 5 | $414,000 | $82,000 | $151,000 | $43,000 | $101,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $0 | $0 |
| Unverifiable Information | 1 | $6,000 | $6,000 | $6,000 | $9,000 | $9,000 |
| Credit Application Incomplete | 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 2003 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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