American Trust & Savings Bank Mortgage Lending & HMDA Data, 2009
In 2009, American Trust & Savings Bank of Dubuque, IA reported 1,866 mortgage applications totaling $259.0 million, up 167% from 2008. The average application was for $138,817, and applicants reported an average income of $81,132. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dubuque, IA (1,340), Des Moines-West Des Moines, IA (86) and Cedar Rapids, IA (20) (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 | 1,866 |
| Total Mortgage Loan Application Amount | $259,034,000 |
| Average Mortgage Loan Application Amount | $138,817 |
| Highest Mortgage Loan Application Amount | $2,912,000 |
| Average Applicant Income | $81,132 |
| Highest Applicant Income | $1,132,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,340 | $ 177,114,000 | $ 132,174 | $ 78,000 |
| Grant, Wisconsin | 131 | $ 14,591,000 | $ 111,381 | $ 63,000 |
| Delaware, Iowa | 56 | $ 7,206,000 | $ 128,678 | $ 85,000 |
| Jo Daviess, Illinois | 43 | $ 6,139,000 | $ 142,767 | $ 74,000 |
| Jackson, Iowa | 43 | $ 5,518,000 | $ 128,325 | $ 70,000 |
| Polk, Iowa | 42 | $ 12,313,000 | $ 293,166 | $ 101,000 |
| Dallas, Iowa | 28 | $ 6,148,000 | $ 219,571 | $ 144,000 |
| Lafayette, Wisconsin | 19 | $ 2,516,000 | $ 132,421 | $ 64,000 |
| Clayton, Iowa | 15 | $ 1,478,000 | $ 98,533 | $ 54,000 |
| Scott, Iowa | 14 | $ 2,164,000 | $ 154,571 | $ 91,000 |
| Warren, Iowa | 14 | $ 3,238,000 | $ 231,285 | $ 154,000 |
| Jones, Iowa | 10 | $ 1,146,000 | $ 114,600 | $ 78,000 |
| Linn, Iowa | 9 | $ 1,016,000 | $ 112,888 | $ 71,000 |
| Johnson, Iowa | 5 | $ 590,000 | $ 118,000 | $ 61,000 |
| Cook, Illinois | 4 | $ 1,472,000 | $ 368,000 | $ 287,000 |
| Muscatine, Iowa | 4 | $ 786,000 | $ 196,500 | $ 73,000 |
| Maricopa, Arizona | 3 | $ 421,000 | $ 140,333 | $ 166,000 |
| Allamakee, Iowa | 3 | $ 210,000 | $ 70,000 | $ 52,000 |
| Black Hawk, Iowa | 3 | $ 534,000 | $ 178,000 | $ 83,000 |
| Crawford, Wisconsin | 3 | $ 163,000 | $ 54,333 | $ 58,000 |
| Iowa, Wisconsin | 3 | $ 321,000 | $ 107,000 | $ 47,000 |
| Sauk, Wisconsin | 3 | $ 696,000 | $ 232,000 | $ 491,000 |
| Los Angeles, California | 2 | $ 840,000 | $ 420,000 | $ 459,000 |
| Collier, Florida | 2 | $ 652,000 | $ 326,000 | $ 368,000 |
| Lee, Florida | 2 | $ 209,000 | $ 104,500 | $ 158,000 |
| Will, Illinois | 2 | $ 302,000 | $ 151,000 | $ 142,000 |
| Allen, Indiana | 2 | $ 834,000 | $ 417,000 | $ 482,000 |
| Guthrie, Iowa | 2 | $ 563,000 | $ 281,500 | $ 304,000 |
| Hamilton, Iowa | 2 | $ 146,000 | $ 73,000 | $ 58,000 |
| Hennepin, Minnesota | 2 | $ 530,000 | $ 265,000 | $ 114,000 |
| Dane, Wisconsin | 2 | $ 311,000 | $ 155,500 | $ 31,000 |
| Sawyer, Wisconsin | 2 | $ 616,000 | $ 308,000 | $ 154,000 |
| Alameda, California | 1 | $ 408,000 | $ 408,000 | $ 59,000 |
| Manatee, Florida | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| DuPage, Illinois | 1 | $ 272,000 | $ 272,000 | $ 134,000 |
| Kane, Illinois | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Rock Island, Illinois | 1 | $ 2,475,000 | $ 2,475,000 | $ 0 |
| Stephenson, Illinois | 1 | $ 57,000 | $ 57,000 | $ 32,000 |
| Hamilton, Indiana | 1 | $ 241,000 | $ 241,000 | $ 150,000 |
| Monroe, Indiana | 1 | $ 93,000 | $ 93,000 | $ 52,000 |
| Benton, Iowa | 1 | $ 127,000 | $ 127,000 | $ 75,000 |
| Cass, Iowa | 1 | $ 266,000 | $ 266,000 | $ 101,000 |
| Clinton, Iowa | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Grundy, Iowa | 1 | $ 78,000 | $ 78,000 | $ 92,000 |
| Marshall, Iowa | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
| Mitchell, Iowa | 1 | $ 117,000 | $ 117,000 | $ 83,000 |
| Poweshiek, Iowa | 1 | $ 66,000 | $ 66,000 | $ 97,000 |
| Ringgold, Iowa | 1 | $ 54,000 | $ 54,000 | $ 205,000 |
| Shelby, Iowa | 1 | $ 208,000 | $ 208,000 | $ 46,000 |
| Berrien, Michigan | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Emmet, Michigan | 1 | $ 230,000 | $ 230,000 | $ 139,000 |
| Douglas, Nebraska | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Philadelphia, Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 106,000 |
| Adams, Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 184,000 |
| Marquette, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 185,000 |
| Rock, Wisconsin | 1 | $ 139,000 | $ 139,000 | $ 93,000 |
| Washburn, Wisconsin | 1 | $ 226,000 | $ 226,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2009
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 | 1,445 | $211,652,000 | $146,000 | $2,912,000 | $84,000 | $898,000 |
| Home Purchase | 380 | $45,543,000 | $119,000 | $417,000 | $71,000 | $1,132,000 |
| Home Improvement | 41 | $1,839,000 | $44,000 | $290,000 | $74,000 | $317,000 |
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 | 1,827 | $244,687,000 | $133,000 | $730,000 | $82,000 | $1,132,000 |
| Not applicable | 16 | $11,017,000 | $688,000 | $2,912,000 | $2,000 | $40,000 |
| Asian | 7 | $1,508,000 | $215,000 | $417,000 | $140,000 | $276,000 |
| Black or African American | 6 | $778,000 | $129,000 | $313,000 | $91,000 | $258,000 |
| Hispanic | 5 | $665,000 | $133,000 | $175,000 | $83,000 | $145,000 |
| Not Provided | 4 | $322,000 | $80,000 | $128,000 | $55,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $57,000 | $57,000 | $57,000 | $59,000 | $59,000 |
| 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) | 1,809 | $252,920,000 | $139,000 | $2,912,000 | $82,000 | $1,132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,693,000 | $106,000 | $226,000 | $40,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,014,000 | $92,000 | $160,000 | $46,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $407,000 | $203,000 | $225,000 | $87,000 | $92,000 |
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 | 1,708 | $244,986,000 | $143,000 | $2,912,000 | $84,000 | $1,132,000 |
| Application Denied By Financial Institution | 84 | $6,262,000 | $74,000 | $278,000 | $44,000 | $205,000 |
| Application Withdrawn By Applicant | 57 | $6,810,000 | $119,000 | $417,000 | $68,000 | $516,000 |
| Application Approved But Not Accepted | 13 | $601,000 | $46,000 | $142,000 | $64,000 | $278,000 |
| Preapproval Denied by Financial Institution | 3 | $297,000 | $99,000 | $126,000 | $29,000 | $35,000 |
| File Closed For Incompleteness | 1 | $78,000 | $78,000 | $78,000 | $87,000 | $87,000 |
| 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 | 46 | $3,296,000 | $71,000 | $201,000 | $35,000 | $70,000 |
| Debt-To-Income Ratio | 26 | $1,799,000 | $69,000 | $267,000 | $45,000 | $205,000 |
| Collateral | 7 | $672,000 | $96,000 | $278,000 | $80,000 | $180,000 |
| Other | 4 | $483,000 | $120,000 | $234,000 | $51,000 | $90,000 |
| Employment History | 2 | $128,000 | $64,000 | $120,000 | $44,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Trust & Savings Bank's 2009 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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