American Trust & Savings Bank Mortgage Lending & HMDA Data, 2010
In 2010, American Trust & Savings Bank of Dubuque, IA reported 1,743 mortgage applications totaling $274.1 million, down 7% from 2009. The average application was for $157,274, and applicants reported an average income of $85,263. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dubuque, IA (1,241), Des Moines-West Des Moines, IA (109) and Cedar Rapids, IA (27) (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 | 1,743 |
| Total Mortgage Loan Application Amount | $274,130,000 |
| Average Mortgage Loan Application Amount | $157,274 |
| Highest Mortgage Loan Application Amount | $3,857,000 |
| Average Applicant Income | $85,263 |
| Highest Applicant Income | $980,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,241 | $ 192,243,000 | $ 154,909 | $ 86,000 |
| Grant, Wisconsin | 112 | $ 14,372,000 | $ 128,321 | $ 62,000 |
| Polk, Iowa | 65 | $ 12,235,000 | $ 188,230 | $ 71,000 |
| Delaware, Iowa | 59 | $ 8,703,000 | $ 147,508 | $ 82,000 |
| Jackson, Iowa | 43 | $ 5,314,000 | $ 123,581 | $ 66,000 |
| Jo Daviess, Illinois | 33 | $ 6,398,000 | $ 193,878 | $ 91,000 |
| Dallas, Iowa | 29 | $ 8,568,000 | $ 295,448 | $ 114,000 |
| Lafayette, Wisconsin | 24 | $ 3,580,000 | $ 149,166 | $ 78,000 |
| Jones, Iowa | 18 | $ 2,302,000 | $ 127,888 | $ 79,000 |
| Warren, Iowa | 11 | $ 3,122,000 | $ 283,818 | $ 171,000 |
| Scott, Iowa | 10 | $ 1,849,000 | $ 184,900 | $ 75,000 |
| Clayton, Iowa | 9 | $ 1,111,000 | $ 123,444 | $ 54,000 |
| Linn, Iowa | 9 | $ 1,308,000 | $ 145,333 | $ 78,000 |
| Dane, Wisconsin | 5 | $ 999,000 | $ 199,800 | $ 336,000 |
| Cook, Illinois | 4 | $ 1,112,000 | $ 278,000 | $ 268,000 |
| Jasper, Iowa | 4 | $ 549,000 | $ 137,250 | $ 61,000 |
| Madison, Iowa | 4 | $ 514,000 | $ 128,500 | $ 129,000 |
| Marshall, Iowa | 4 | $ 449,000 | $ 112,250 | $ 187,000 |
| Crawford, Wisconsin | 4 | $ 444,000 | $ 111,000 | $ 82,000 |
| Volusia, Florida | 2 | $ 145,000 | $ 72,500 | $ 49,000 |
| Adams, Illinois | 2 | $ 318,000 | $ 159,000 | $ 64,000 |
| DuPage, Illinois | 2 | $ 574,000 | $ 287,000 | $ 229,000 |
| Allamakee, Iowa | 2 | $ 288,000 | $ 144,000 | $ 86,000 |
| Adams, Wisconsin | 2 | $ 237,000 | $ 118,500 | $ 139,000 |
| Sawyer, Wisconsin | 2 | $ 535,000 | $ 267,500 | $ 206,000 |
| Pima, Arizona | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Benton, Arkansas | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Summit, Colorado | 1 | $ 417,000 | $ 417,000 | $ 428,000 |
| Collier, Florida | 1 | $ 178,000 | $ 178,000 | $ 275,000 |
| Rock Island, Illinois | 1 | $ 88,000 | $ 88,000 | $ 48,000 |
| Hamilton, Indiana | 1 | $ 217,000 | $ 217,000 | $ 62,000 |
| Monroe, Indiana | 1 | $ 91,000 | $ 91,000 | $ 52,000 |
| Appanoose, Iowa | 1 | $ 259,000 | $ 259,000 | $ 182,000 |
| Cass, Iowa | 1 | $ 237,000 | $ 237,000 | $ 138,000 |
| Cerro Gordo, Iowa | 1 | $ 1,960,000 | $ 1,960,000 | $ 0 |
| Clinton, Iowa | 1 | $ 72,000 | $ 72,000 | $ 93,000 |
| Grundy, Iowa | 1 | $ 133,000 | $ 133,000 | $ 82,000 |
| Johnson, Iowa | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Ringgold, Iowa | 1 | $ 200,000 | $ 200,000 | $ 129,000 |
| Story, Iowa | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Van Buren, Iowa | 1 | $ 70,000 | $ 70,000 | $ 61,000 |
| Wapello, Iowa | 1 | $ 252,000 | $ 252,000 | $ 201,000 |
| Wayne, Iowa | 1 | $ 130,000 | $ 130,000 | $ 151,000 |
| Douglas, Minnesota | 1 | $ 224,000 | $ 224,000 | $ 114,000 |
| Sarpy, Nebraska | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Sevier, Tennessee | 1 | $ 51,000 | $ 51,000 | $ 75,000 |
| Salt Lake, Utah | 1 | $ 175,000 | $ 175,000 | $ 11,000 |
| Jefferson, Washington | 1 | $ 347,000 | $ 347,000 | $ 240,000 |
| Whatcom, Washington | 1 | $ 169,000 | $ 169,000 | $ 360,000 |
| Bayfield, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 132,000 |
| Brown, Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 326,000 |
| Iowa, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2010
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 | 1,366 | $223,688,000 | $163,000 | $2,800,000 | $90,000 | $806,000 |
| Home Purchase | 344 | $45,587,000 | $132,000 | $2,814,000 | $66,000 | $469,000 |
| Home Improvement | 33 | $4,855,000 | $147,000 | $3,857,000 | $90,000 | $980,000 |
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 | 1,650 | $244,983,000 | $148,000 | $1,960,000 | $87,000 | $980,000 |
| Not applicable | 46 | $21,435,000 | $465,000 | $3,857,000 | $0 | $0 |
| Not Provided | 25 | $3,897,000 | $155,000 | $384,000 | $97,000 | $372,000 |
| Asian | 15 | $2,913,000 | $194,000 | $417,000 | $228,000 | $469,000 |
| Hispanic | 4 | $505,000 | $126,000 | $157,000 | $84,000 | $141,000 |
| Black or African American | 3 | $397,000 | $132,000 | $158,000 | $45,000 | $73,000 |
| 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) | 1,686 | $267,851,000 | $158,000 | $3,857,000 | $87,000 | $980,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,730,000 | $100,000 | $228,000 | $32,000 | $59,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,730,000 | $123,000 | $262,000 | $32,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 6 | $819,000 | $136,000 | $228,000 | $61,000 | $95,000 |
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 | 1,616 | $258,536,000 | $159,000 | $3,857,000 | $87,000 | $980,000 |
| Application Denied By Financial Institution | 72 | $8,403,000 | $116,000 | $980,000 | $45,000 | $234,000 |
| Application Withdrawn By Applicant | 46 | $6,511,000 | $141,000 | $417,000 | $86,000 | $372,000 |
| Application Approved But Not Accepted | 8 | $564,000 | $70,000 | $150,000 | $74,000 | $186,000 |
| File Closed For Incompleteness | 1 | $116,000 | $116,000 | $116,000 | $83,000 | $83,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 32 | $2,307,000 | $72,000 | $171,000 | $38,000 | $156,000 |
| Debt-To-Income Ratio | 23 | $3,474,000 | $151,000 | $980,000 | $47,000 | $234,000 |
| Collateral | 9 | $1,450,000 | $161,000 | $420,000 | $83,000 | $234,000 |
| Employment History | 4 | $304,000 | $76,000 | $107,000 | $31,000 | $71,000 |
| Other | 3 | $268,000 | $89,000 | $175,000 | $34,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $600,000 | $600,000 | $600,000 | $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 2010 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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