American Trust & Savings Bank Mortgage Lending & HMDA Data, 2012
In 2012, American Trust & Savings Bank of Dubuque, IA reported 1,804 mortgage applications totaling $301.8 million, up 66% from 2011. The average application was for $167,294, and applicants reported an average income of $96,522. 92% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dubuque, IA (1,295), Des Moines-West Des Moines, IA (125) and San Francisco-San Mateo-Redwood City, CA (19) (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 | 1,804 |
| Total Mortgage Loan Application Amount | $301,799,000 |
| Average Mortgage Loan Application Amount | $167,294 |
| Highest Mortgage Loan Application Amount | $5,700,000 |
| Average Applicant Income | $96,522 |
| Highest Applicant Income | $3,226,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,295 | $ 197,587,000 | $ 152,576 | $ 89,000 |
| Grant, Wisconsin | 88 | $ 10,489,000 | $ 119,193 | $ 66,000 |
| Polk, Iowa | 72 | $ 17,003,000 | $ 236,152 | $ 106,000 |
| Dallas, Iowa | 44 | $ 10,103,000 | $ 229,613 | $ 125,000 |
| Delaware, Iowa | 43 | $ 6,257,000 | $ 145,511 | $ 76,000 |
| Jo Daviess, Illinois | 41 | $ 5,770,000 | $ 140,731 | $ 97,000 |
| Jackson, Iowa | 36 | $ 4,571,000 | $ 126,972 | $ 61,000 |
| San Mateo, California | 19 | $ 13,178,000 | $ 693,578 | $ 406,000 |
| Lafayette, Wisconsin | 14 | $ 2,117,000 | $ 151,214 | $ 79,000 |
| Scott, Iowa | 11 | $ 2,095,000 | $ 190,454 | $ 117,000 |
| Clayton, Iowa | 9 | $ 999,000 | $ 111,000 | $ 80,000 |
| Jones, Iowa | 8 | $ 963,000 | $ 120,375 | $ 59,000 |
| Warren, Iowa | 8 | $ 1,954,000 | $ 244,250 | $ 184,000 |
| Collier, Florida | 5 | $ 1,467,000 | $ 293,400 | $ 186,000 |
| Black Hawk, Iowa | 5 | $ 672,000 | $ 134,400 | $ 137,000 |
| Johnson, Iowa | 5 | $ 616,000 | $ 123,200 | $ 120,000 |
| Linn, Iowa | 5 | $ 912,000 | $ 182,400 | $ 88,000 |
| Hennepin, Minnesota | 5 | $ 1,585,000 | $ 317,000 | $ 366,000 |
| Cook, Illinois | 4 | $ 1,280,000 | $ 320,000 | $ 176,000 |
| Jasper, Iowa | 4 | $ 520,000 | $ 130,000 | $ 113,000 |
| Lee, Florida | 3 | $ 1,050,000 | $ 350,000 | $ 418,000 |
| DuPage, Illinois | 3 | $ 830,000 | $ 276,666 | $ 144,000 |
| Marshall, Iowa | 3 | $ 431,000 | $ 143,666 | $ 82,000 |
| Muscatine, Iowa | 3 | $ 4,536,000 | $ 1,512,000 | $ 93,000 |
| Dane, Wisconsin | 3 | $ 486,000 | $ 162,000 | $ 62,000 |
| Maricopa, Arizona | 2 | $ 493,000 | $ 246,500 | $ 154,000 |
| Kane, Illinois | 2 | $ 264,000 | $ 132,000 | $ 74,000 |
| Wapello, Iowa | 2 | $ 452,000 | $ 226,000 | $ 128,000 |
| Fairfax, Virginia | 2 | $ 662,000 | $ 331,000 | $ 141,000 |
| Adams, Wisconsin | 2 | $ 602,000 | $ 301,000 | $ 173,000 |
| Crawford, Wisconsin | 2 | $ 301,000 | $ 150,500 | $ 73,000 |
| Iowa, Wisconsin | 2 | $ 243,000 | $ 121,500 | $ 68,000 |
| Marquette, Wisconsin | 2 | $ 195,000 | $ 97,500 | $ 250,000 |
| Rock, Wisconsin | 2 | $ 288,000 | $ 144,000 | $ 102,000 |
| Sauk, Wisconsin | 2 | $ 3,455,000 | $ 1,727,500 | $ 257,000 |
| Pima, Arizona | 1 | $ 72,000 | $ 72,000 | $ 53,000 |
| Pinal, Arizona | 1 | $ 104,000 | $ 104,000 | $ 82,000 |
| San Benito, California | 1 | $ 626,000 | $ 626,000 | $ 280,000 |
| Santa Barbara, California | 1 | $ 276,000 | $ 276,000 | $ 208,000 |
| Santa Clara, California | 1 | $ 374,000 | $ 374,000 | $ 88,000 |
| Martin, Florida | 1 | $ 757,000 | $ 757,000 | $ 2,000,000 |
| Volusia, Florida | 1 | $ 111,000 | $ 111,000 | $ 47,000 |
| Walton, Florida | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Adams, Illinois | 1 | $ 142,000 | $ 142,000 | $ 67,000 |
| Lake, Illinois | 1 | $ 360,000 | $ 360,000 | $ 110,000 |
| Sangamon, Illinois | 1 | $ 143,000 | $ 143,000 | $ 65,000 |
| Monroe, Indiana | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Allamakee, Iowa | 1 | $ 163,000 | $ 163,000 | $ 106,000 |
| Bremer, Iowa | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Cass, Iowa | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Dickinson, Iowa | 1 | $ 154,000 | $ 154,000 | $ 162,000 |
| Franklin, Iowa | 1 | $ 87,000 | $ 87,000 | $ 74,000 |
| Grundy, Iowa | 1 | $ 130,000 | $ 130,000 | $ 64,000 |
| Hardin, Iowa | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Iowa, Iowa | 1 | $ 90,000 | $ 90,000 | $ 93,000 |
| Madison, Iowa | 1 | $ 240,000 | $ 240,000 | $ 46,000 |
| Marion, Iowa | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Mitchell, Iowa | 1 | $ 114,000 | $ 114,000 | $ 159,000 |
| Shelby, Iowa | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Berrien, Michigan | 1 | $ 257,000 | $ 257,000 | $ 288,000 |
| Emmet, Michigan | 1 | $ 217,000 | $ 217,000 | $ 176,000 |
| Douglas, Nebraska | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| Buncombe, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Montgomery, Ohio | 1 | $ 184,000 | $ 184,000 | $ 104,000 |
| Davidson, Tennessee | 1 | $ 170,000 | $ 170,000 | $ 174,000 |
| Jefferson, Washington | 1 | $ 276,000 | $ 276,000 | $ 123,000 |
| Dodge, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 79,000 |
| Milwaukee, Wisconsin | 1 | $ 81,000 | $ 81,000 | $ 45,000 |
| Sawyer, Wisconsin | 1 | $ 254,000 | $ 254,000 | $ 87,000 |
| Washburn, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2012
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 | 1,411 | $235,483,000 | $166,000 | $5,700,000 | $98,000 | $3,226,000 |
| Home Purchase | 368 | $65,759,000 | $178,000 | $4,200,000 | $93,000 | $2,000,000 |
| Home Improvement | 25 | $557,000 | $22,000 | $109,000 | $65,000 | $279,000 |
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 | 1,757 | $281,036,000 | $159,000 | $5,700,000 | $96,000 | $3,226,000 |
| Not applicable | 21 | $16,133,000 | $768,000 | $4,200,000 | $0 | $0 |
| Asian | 14 | $2,904,000 | $207,000 | $363,000 | $250,000 | $538,000 |
| Hispanic | 8 | $914,000 | $114,000 | $178,000 | $61,000 | $145,000 |
| Black or African American | 2 | $171,000 | $85,000 | $139,000 | $35,000 | $38,000 |
| Not Provided | 2 | $641,000 | $320,000 | $417,000 | $123,000 | $127,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,756 | $296,370,000 | $168,000 | $5,700,000 | $98,000 | $3,226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $4,810,000 | $111,000 | $214,000 | $43,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 3 | $407,000 | $135,000 | $142,000 | $46,000 | $50,000 |
| FHA-insured (Federal Housing Administration) | 2 | $212,000 | $106,000 | $109,000 | $58,000 | $72,000 |
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 | 1,652 | $281,569,000 | $170,000 | $5,700,000 | $99,000 | $3,226,000 |
| Application Denied By Financial Institution | 104 | $11,698,000 | $112,000 | $417,000 | $62,000 | $360,000 |
| Application Withdrawn By Applicant | 39 | $7,141,000 | $183,000 | $417,000 | $92,000 | $260,000 |
| Application Approved But Not Accepted | 7 | $1,048,000 | $149,000 | $388,000 | $92,000 | $190,000 |
| File Closed For Incompleteness | 2 | $343,000 | $171,000 | $241,000 | $78,000 | $119,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2012 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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