American Trust & Savings Bank Mortgage Lending & HMDA Data, 2006
In 2006, American Trust & Savings Bank of Dubuque, IA reported 635 mortgage applications totaling $79.3 million, down 12% from 2005. The average application was for $124,922, and applicants reported an average income of $67,645. 87% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dubuque, IA (463), Des Moines-West Des Moines, IA (21) and Cedar Rapids, IA (5) (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 | 635 |
| Total Mortgage Loan Application Amount | $79,326,000 |
| Average Mortgage Loan Application Amount | $124,922 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $67,645 |
| Highest Applicant Income | $826,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 463 | $ 48,195,000 | $ 104,092 | $ 68,000 |
| Grant, Wisconsin | 45 | $ 4,440,000 | $ 98,666 | $ 44,000 |
| Jo Daviess, Illinois | 23 | $ 2,367,000 | $ 102,913 | $ 79,000 |
| Delaware, Iowa | 17 | $ 1,565,000 | $ 92,058 | $ 62,000 |
| Jackson, Iowa | 14 | $ 1,097,000 | $ 78,357 | $ 88,000 |
| Polk, Iowa | 14 | $ 1,935,000 | $ 138,214 | $ 29,000 |
| Clayton, Iowa | 5 | $ 291,000 | $ 58,200 | $ 40,000 |
| Jones, Iowa | 5 | $ 700,000 | $ 140,000 | $ 75,000 |
| Lafayette, Wisconsin | 5 | $ 527,000 | $ 105,400 | $ 39,000 |
| Dallas, Iowa | 4 | $ 2,353,000 | $ 588,250 | $ 65,000 |
| Scott, Iowa | 4 | $ 479,000 | $ 119,750 | $ 169,000 |
| Johnson, Iowa | 3 | $ 295,000 | $ 98,333 | $ 117,000 |
| Warren, Iowa | 3 | $ 187,000 | $ 62,333 | $ 89,000 |
| Sevier, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 84,000 |
| Maricopa, Arizona | 1 | $ 265,000 | $ 265,000 | $ 456,000 |
| New Castle, Delaware | 1 | $ 327,000 | $ 327,000 | $ 110,000 |
| Lee, Florida | 1 | $ 342,000 | $ 342,000 | $ 103,000 |
| Cook, Illinois | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Rock Island, Illinois | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Cerro Gordo, Iowa | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Marshall, Iowa | 1 | $ 167,000 | $ 167,000 | $ 247,000 |
| Poweshiek, Iowa | 1 | $ 66,000 | $ 66,000 | $ 89,000 |
| Story, Iowa | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Rock, Wisconsin | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Sawyer, Wisconsin | 1 | $ 260,000 | $ 260,000 | $ 380,000 |
| Waukesha, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2006
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 | 344 | $52,595,000 | $152,000 | $12,000,000 | $69,000 | $826,000 |
| Refinancing | 206 | $22,604,000 | $109,000 | $1,850,000 | $64,000 | $759,000 |
| Home Improvement | 85 | $4,127,000 | $48,000 | $720,000 | $71,000 | $713,000 |
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 | 571 | $57,135,000 | $100,000 | $626,000 | $73,000 | $826,000 |
| Not applicable | 54 | $21,254,000 | $393,000 | $12,000,000 | $2,000 | $145,000 |
| Not Provided | 6 | $158,000 | $26,000 | $82,000 | $44,000 | $64,000 |
| Asian | 3 | $705,000 | $235,000 | $558,000 | $220,000 | $325,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $74,000 | $74,000 | $74,000 | $148,000 | $148,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 603 | $76,407,000 | $126,000 | $12,000,000 | $69,000 | $826,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $2,696,000 | $86,000 | $163,000 | $35,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 1 | $223,000 | $223,000 | $223,000 | $83,000 | $83,000 |
| 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 | 553 | $72,589,000 | $131,000 | $12,000,000 | $69,000 | $826,000 |
| Application Denied By Financial Institution | 58 | $4,118,000 | $71,000 | $417,000 | $56,000 | $759,000 |
| Application Withdrawn By Applicant | 20 | $2,063,000 | $103,000 | $342,000 | $68,000 | $169,000 |
| Application Approved But Not Accepted | 2 | $276,000 | $138,000 | $153,000 | $67,000 | $74,000 |
| Preapproval Denied by Financial Institution | 2 | $280,000 | $140,000 | $152,000 | $65,000 | $89,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 35 | $2,816,000 | $80,000 | $320,000 | $51,000 | $153,000 |
| Debt-To-Income Ratio | 19 | $1,037,000 | $54,000 | $312,000 | $34,000 | $80,000 |
| Employment History | 3 | $22,000 | $7,000 | $11,000 | $31,000 | $54,000 |
| Collateral | 1 | $417,000 | $417,000 | $417,000 | $759,000 | $759,000 |
| Other | 1 | $30,000 | $30,000 | $30,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $76,000 | $76,000 | $76,000 | $30,000 | $30,000 |
| 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 2006 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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