American Trust & Savings Bank Mortgage Lending & HMDA Data, 2005
In 2005, American Trust & Savings Bank of Dubuque, IA reported 719 mortgage applications totaling $77.6 million, down 5% from 2004. The average application was for $107,962, and applicants reported an average income of $70,703. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dubuque, IA (509), Des Moines, IA (23) and Cedar Rapids, IA (10) (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 | 719 |
| Total Mortgage Loan Application Amount | $77,625,000 |
| Average Mortgage Loan Application Amount | $107,962 |
| Highest Mortgage Loan Application Amount | $1,022,000 |
| Average Applicant Income | $70,703 |
| Highest Applicant Income | $2,342,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 509 | $ 52,958,000 | $ 104,043 | $ 51,000 |
| Grant, Wisconsin | 51 | $ 6,079,000 | $ 119,196 | $ 35,000 |
| Delaware, Iowa | 32 | $ 3,867,000 | $ 120,843 | $ 77,000 |
| Jackson, Iowa | 21 | $ 2,542,000 | $ 121,047 | $ 64,000 |
| Jo Daviess, Illinois | 20 | $ 1,896,000 | $ 94,800 | $ 61,000 |
| Polk, Iowa | 19 | $ 2,368,000 | $ 124,631 | $ 141,000 |
| Jones, Iowa | 6 | $ 630,000 | $ 105,000 | $ 61,000 |
| Lafayette, Wisconsin | 6 | $ 675,000 | $ 112,500 | $ 62,000 |
| Dallas, Iowa | 4 | $ 238,000 | $ 59,500 | $ 113,000 |
| Scott, Iowa | 4 | $ 341,000 | $ 85,250 | $ 70,000 |
| Linn, Iowa | 3 | $ 243,000 | $ 81,000 | $ 67,000 |
| Clayton, Iowa | 2 | $ 287,000 | $ 143,500 | $ 96,000 |
| Marshall, Iowa | 2 | $ 189,000 | $ 94,500 | $ 119,000 |
| Adams, Wisconsin | 2 | $ 630,000 | $ 315,000 | $ 176,000 |
| Maricopa, Arizona | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Monterey, California | 1 | $ 264,000 | $ 264,000 | $ 84,000 |
| Summit, Colorado | 1 | $ 210,000 | $ 210,000 | $ 107,000 |
| Palm Beach, Florida | 1 | $ 648,000 | $ 648,000 | $ 408,000 |
| Adams, Illinois | 1 | $ 97,000 | $ 97,000 | $ 35,000 |
| Cook, Illinois | 1 | $ 801,000 | $ 801,000 | $ 924,000 |
| Hamilton, Indiana | 1 | $ 127,000 | $ 127,000 | $ 26,000 |
| Benton, Iowa | 1 | $ 136,000 | $ 136,000 | $ 73,000 |
| Buchanan, Iowa | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Clarke, Iowa | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Clinton, Iowa | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Dickinson, Iowa | 1 | $ 100,000 | $ 100,000 | $ 114,000 |
| Fayette, Iowa | 1 | $ 360,000 | $ 360,000 | $ 147,000 |
| Mills, Iowa | 1 | $ 63,000 | $ 63,000 | $ 16,000 |
| Richland, Wisconsin | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
| Sawyer, Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2005
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 | 370 | $41,811,000 | $205,500 | $801,000 | $111,750 | $924,000 |
| Refinancing | 295 | $34,139,000 | $165,500 | $1,022,000 | $72,500 | $2,342,000 |
| Home Improvement | 54 | $1,675,000 | $36,666 | $150,000 | $49,000 | $210,000 |
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 | 664 | $72,127,000 | $206,750 | $801,000 | $120,125 | $2,342,000 |
| Not applicable | 49 | $5,155,000 | $343,000 | $1,022,000 | $0 | $0 |
| Hispanic | 2 | $108,000 | $54,000 | $78,000 | $32,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $160,000 | $160,000 |
| Asian | 1 | $123,000 | $123,000 | $123,000 | $48,000 | $48,000 |
| Black or African American | 1 | $52,000 | $52,000 | $52,000 | $15,000 | $15,000 |
| Not Provided | 1 | $5,000 | $5,000 | $5,000 | $50,000 | $50,000 |
| 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) | 686 | $74,455,000 | $209,111 | $1,022,000 | $102,666 | $2,342,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $3,170,000 | $95,000 | $170,000 | $30,000 | $66,000 |
| 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 | 658 | $73,084,000 | $228,750 | $1,022,000 | $115,625 | $2,342,000 |
| Application Denied By Financial Institution | 39 | $2,017,000 | $61,500 | $188,000 | $33,250 | $78,000 |
| Application Withdrawn By Applicant | 14 | $1,631,000 | $91,333 | $355,000 | $48,000 | $133,000 |
| Preapproval Denied by Financial Institution | 7 | $731,000 | $104,000 | $143,000 | $35,000 | $61,000 |
| Application Approved But Not Accepted | 1 | $162,000 | $162,000 | $162,000 | $62,000 | $62,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 23 | $1,214,000 | $82,500 | $160,000 | $33,500 | $64,000 |
| Credit History | 21 | $1,321,000 | $44,500 | $188,000 | $38,250 | $78,000 |
| Collateral | 2 | $213,000 | $106,000 | $162,000 | $39,000 | $43,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Trust & Savings Bank's 2005 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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