American Trust & Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, American Trust & Savings Bank of Dubuque, IA reported 1,084 mortgage applications totaling $167.9 million, down 38% from 2010. The average application was for $154,904, and applicants reported an average income of $85,129. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dubuque, IA (744), Des Moines-West Des Moines, IA (89) 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 | 1,084 |
| Total Mortgage Loan Application Amount | $167,917,000 |
| Average Mortgage Loan Application Amount | $154,904 |
| Highest Mortgage Loan Application Amount | $3,485,000 |
| Average Applicant Income | $85,129 |
| Highest Applicant Income | $2,103,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 744 | $ 102,466,000 | $ 137,723 | $ 74,000 |
| Grant, Wisconsin | 55 | $ 5,810,000 | $ 105,636 | $ 70,000 |
| Polk, Iowa | 47 | $ 14,315,000 | $ 304,574 | $ 99,000 |
| Dallas, Iowa | 31 | $ 7,462,000 | $ 240,709 | $ 206,000 |
| Delaware, Iowa | 24 | $ 2,909,000 | $ 121,208 | $ 81,000 |
| Jo Daviess, Illinois | 22 | $ 2,535,000 | $ 115,227 | $ 62,000 |
| Jackson, Iowa | 20 | $ 2,273,000 | $ 113,650 | $ 66,000 |
| Clayton, Iowa | 12 | $ 1,720,000 | $ 143,333 | $ 134,000 |
| Jones, Iowa | 12 | $ 1,501,000 | $ 125,083 | $ 67,000 |
| Warren, Iowa | 11 | $ 2,785,000 | $ 253,181 | $ 149,000 |
| Lafayette, Wisconsin | 11 | $ 1,641,000 | $ 149,181 | $ 86,000 |
| Linn, Iowa | 7 | $ 899,000 | $ 128,428 | $ 57,000 |
| Marshall, Iowa | 5 | $ 731,000 | $ 146,200 | $ 91,000 |
| Crawford, Wisconsin | 5 | $ 726,000 | $ 145,200 | $ 47,000 |
| Dane, Wisconsin | 4 | $ 6,030,000 | $ 1,507,500 | $ 45,000 |
| Sauk, Wisconsin | 4 | $ 1,560,000 | $ 390,000 | $ 468,000 |
| Johnson, Iowa | 3 | $ 324,000 | $ 108,000 | $ 98,000 |
| Scott, Iowa | 3 | $ 513,000 | $ 171,000 | $ 165,000 |
| Story, Iowa | 3 | $ 700,000 | $ 233,333 | $ 175,000 |
| Brown, Wisconsin | 3 | $ 506,000 | $ 168,666 | $ 329,000 |
| Pima, Arizona | 2 | $ 834,000 | $ 417,000 | $ 350,000 |
| Appanoose, Iowa | 2 | $ 277,000 | $ 138,500 | $ 146,000 |
| Boone, Iowa | 2 | $ 177,000 | $ 88,500 | $ 54,000 |
| Murray, Minnesota | 2 | $ 214,000 | $ 107,000 | $ 75,000 |
| Oneida, Wisconsin | 2 | $ 731,000 | $ 365,500 | $ 573,000 |
| Rock, Wisconsin | 2 | $ 1,365,000 | $ 682,500 | $ 50,000 |
| Pinal, Arizona | 1 | $ 108,000 | $ 108,000 | $ 188,000 |
| Riverside, California | 1 | $ 66,000 | $ 66,000 | $ 143,000 |
| Summit, Colorado | 1 | $ 492,000 | $ 492,000 | $ 287,000 |
| Collier, Florida | 1 | $ 404,000 | $ 404,000 | $ 539,000 |
| Lee, Florida | 1 | $ 400,000 | $ 400,000 | $ 127,000 |
| Cook, Illinois | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Stephenson, Illinois | 1 | $ 64,000 | $ 64,000 | $ 63,000 |
| Will, Illinois | 1 | $ 230,000 | $ 230,000 | $ 169,000 |
| Benton, Iowa | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Clarke, Iowa | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clinton, Iowa | 1 | $ 114,000 | $ 114,000 | $ 157,000 |
| Crawford, Iowa | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Des Moines, Iowa | 1 | $ 61,000 | $ 61,000 | $ 51,000 |
| Dickinson, Iowa | 1 | $ 158,000 | $ 158,000 | $ 165,000 |
| Jasper, Iowa | 1 | $ 1,050,000 | $ 1,050,000 | $ 0 |
| Louisa, Iowa | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Marion, Iowa | 1 | $ 144,000 | $ 144,000 | $ 38,000 |
| Mitchell, Iowa | 1 | $ 106,000 | $ 106,000 | $ 130,000 |
| Muscatine, Iowa | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Anne Arundel, Maryland | 1 | $ 247,000 | $ 247,000 | $ 259,000 |
| Carver, Minnesota | 1 | $ 234,000 | $ 234,000 | $ 83,000 |
| Goodhue, Minnesota | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 317,000 | $ 317,000 | $ 107,000 |
| Queens, New York | 1 | $ 25,000 | $ 25,000 | $ 136,000 |
| Charleston, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Davidson, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 281,000 |
| Wood, Texas | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Summit, Utah | 1 | $ 545,000 | $ 545,000 | $ 106,000 |
| Iowa, Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 84,000 |
| Marquette, Wisconsin | 1 | $ 121,000 | $ 121,000 | $ 275,000 |
| Outagamie, Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Washburn, Wisconsin | 1 | $ 231,000 | $ 231,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2011
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 | 742 | $124,314,000 | $167,000 | $3,485,000 | $92,000 | $2,103,000 |
| Home Purchase | 304 | $42,662,000 | $140,000 | $3,300,000 | $70,000 | $544,000 |
| Home Improvement | 38 | $941,000 | $24,000 | $190,000 | $72,000 | $400,000 |
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 | 1,024 | $144,969,000 | $141,000 | $987,000 | $85,000 | $1,132,000 |
| Not applicable | 32 | $17,927,000 | $560,000 | $3,485,000 | $0 | $0 |
| Not Provided | 16 | $2,365,000 | $147,000 | $412,000 | $85,000 | $272,000 |
| Black or African American | 4 | $1,172,000 | $293,000 | $801,000 | $578,000 | $2,103,000 |
| Hispanic | 4 | $727,000 | $181,000 | $334,000 | $84,000 | $200,000 |
| American Indian or Alaskan Native | 2 | $236,000 | $118,000 | $150,000 | $40,000 | $53,000 |
| Asian | 2 | $521,000 | $260,000 | $299,000 | $195,000 | $301,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,056 | $164,832,000 | $156,000 | $3,485,000 | $86,000 | $2,103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,591,000 | $112,000 | $171,000 | $47,000 | $80,000 |
| FHA-insured (Federal Housing Administration) | 3 | $378,000 | $126,000 | $210,000 | $54,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 2 | $116,000 | $58,000 | $66,000 | $9,000 | $19,000 |
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 | 933 | $148,680,000 | $159,000 | $3,485,000 | $86,000 | $2,103,000 |
| Application Denied By Financial Institution | 95 | $11,766,000 | $123,000 | $850,000 | $65,000 | $950,000 |
| Application Withdrawn By Applicant | 53 | $7,414,000 | $139,000 | $404,000 | $90,000 | $539,000 |
| Application Approved But Not Accepted | 3 | $57,000 | $19,000 | $35,000 | $93,000 | $192,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 2011 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About