American Trust & Savings Bank Mortgage Lending & HMDA Data, 2013
In 2013, American Trust & Savings Bank of Dubuque, IA reported 911 mortgage applications totaling $157.3 million, down 50% from 2012. The average application was for $172,676, and applicants reported an average income of $95,174. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dubuque, IA (560), Des Moines-West Des Moines, IA (93) and Cedar Rapids, IA (13) (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 | 911 |
| Total Mortgage Loan Application Amount | $157,308,000 |
| Average Mortgage Loan Application Amount | $172,676 |
| Highest Mortgage Loan Application Amount | $5,360,000 |
| Average Applicant Income | $95,174 |
| Highest Applicant Income | $3,214,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 560 | $ 82,012,000 | $ 146,450 | $ 76,000 |
| Grant, Wisconsin | 62 | $ 6,698,000 | $ 108,032 | $ 69,000 |
| Polk, Iowa | 45 | $ 12,733,000 | $ 282,955 | $ 88,000 |
| Dallas, Iowa | 36 | $ 8,461,000 | $ 235,027 | $ 128,000 |
| Jo Daviess, Illinois | 23 | $ 4,270,000 | $ 185,652 | $ 114,000 |
| Delaware, Iowa | 23 | $ 3,142,000 | $ 136,608 | $ 69,000 |
| Jackson, Iowa | 17 | $ 1,897,000 | $ 111,588 | $ 64,000 |
| San Mateo, California | 12 | $ 4,638,000 | $ 386,500 | $ 131,000 |
| Santa Clara, California | 11 | $ 4,873,000 | $ 443,000 | $ 174,000 |
| Lafayette, Wisconsin | 11 | $ 1,318,000 | $ 119,818 | $ 96,000 |
| Warren, Iowa | 10 | $ 2,259,000 | $ 225,900 | $ 167,000 |
| Linn, Iowa | 8 | $ 1,651,000 | $ 206,375 | $ 800,000 |
| Scott, Iowa | 8 | $ 3,259,000 | $ 407,375 | $ 74,000 |
| Lee, Florida | 5 | $ 743,000 | $ 148,600 | $ 64,000 |
| Cook, Illinois | 5 | $ 1,865,000 | $ 373,000 | $ 226,000 |
| Jones, Iowa | 5 | $ 647,000 | $ 129,400 | $ 61,000 |
| Dane, Wisconsin | 4 | $ 763,000 | $ 190,750 | $ 76,000 |
| Appanoose, Iowa | 3 | $ 702,000 | $ 234,000 | $ 158,000 |
| Black Hawk, Iowa | 3 | $ 1,494,000 | $ 498,000 | $ 33,000 |
| Johnson, Iowa | 3 | $ 442,000 | $ 147,333 | $ 169,000 |
| Marshall, Iowa | 3 | $ 352,000 | $ 117,333 | $ 118,000 |
| Hamilton, Indiana | 2 | $ 490,000 | $ 245,000 | $ 94,000 |
| Dickinson, Iowa | 2 | $ 329,000 | $ 164,500 | $ 162,000 |
| Jasper, Iowa | 2 | $ 460,000 | $ 230,000 | $ 104,000 |
| Muscatine, Iowa | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| Story, Iowa | 2 | $ 415,000 | $ 207,500 | $ 81,000 |
| Clark, Nevada | 2 | $ 473,000 | $ 236,500 | $ 163,000 |
| Crawford, Wisconsin | 2 | $ 423,000 | $ 211,500 | $ 53,000 |
| Pima, Arizona | 1 | $ 409,000 | $ 409,000 | $ 413,000 |
| Alameda, California | 1 | $ 538,000 | $ 538,000 | $ 226,000 |
| Monterey, California | 1 | $ 395,000 | $ 395,000 | $ 167,000 |
| Placer, California | 1 | $ 454,000 | $ 454,000 | $ 200,000 |
| San Francisco, California | 1 | $ 540,000 | $ 540,000 | $ 1,036,000 |
| Shasta, California | 1 | $ 152,000 | $ 152,000 | $ 96,000 |
| Sonoma, California | 1 | $ 417,000 | $ 417,000 | $ 156,000 |
| Clear Creek, Colorado | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Eagle, Colorado | 1 | $ 349,000 | $ 349,000 | $ 258,000 |
| Martin, Florida | 1 | $ 1,785,000 | $ 1,785,000 | $ 960,000 |
| Sarasota, Florida | 1 | $ 1,200,000 | $ 1,200,000 | $ 119,000 |
| Lake, Illinois | 1 | $ 344,000 | $ 344,000 | $ 204,000 |
| Winnebago, Illinois | 1 | $ 225,000 | $ 225,000 | $ 815,000 |
| Monroe, Indiana | 1 | $ 83,000 | $ 83,000 | $ 61,000 |
| Adair, Iowa | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Cass, Iowa | 1 | $ 72,000 | $ 72,000 | $ 46,000 |
| Cerro Gordo, Iowa | 1 | $ 80,000 | $ 80,000 | $ 134,000 |
| Clayton, Iowa | 1 | $ 63,000 | $ 63,000 | $ 76,000 |
| Clinton, Iowa | 1 | $ 54,000 | $ 54,000 | $ 68,000 |
| Grundy, Iowa | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Guthrie, Iowa | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Iowa, Iowa | 1 | $ 110,000 | $ 110,000 | $ 146,000 |
| Madison, Iowa | 1 | $ 297,000 | $ 297,000 | $ 90,000 |
| Poweshiek, Iowa | 1 | $ 48,000 | $ 48,000 | $ 75,000 |
| Woodbury, Iowa | 1 | $ 332,000 | $ 332,000 | $ 207,000 |
| Nicollet, Minnesota | 1 | $ 344,000 | $ 344,000 | $ 411,000 |
| Jackson, Missouri | 1 | $ 110,000 | $ 110,000 | $ 335,000 |
| San Patricio, Texas | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Kewaunee, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 361,000 |
| Marinette, Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 130,000 |
| Sawyer, Wisconsin | 1 | $ 227,000 | $ 227,000 | $ 139,000 |
| Shawano, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Walworth, Wisconsin | 1 | $ 217,000 | $ 217,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2013
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 | 513 | $91,240,000 | $177,000 | $5,360,000 | $100,000 | $3,214,000 |
| Home Purchase | 378 | $65,147,000 | $172,000 | $1,200,000 | $88,000 | $2,336,000 |
| Home Improvement | 20 | $921,000 | $46,000 | $250,000 | $107,000 | $477,000 |
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 | 866 | $140,257,000 | $161,000 | $1,785,000 | $97,000 | $3,214,000 |
| Not applicable | 25 | $12,877,000 | $515,000 | $5,360,000 | $0 | $0 |
| Asian | 9 | $2,632,000 | $292,000 | $538,000 | $163,000 | $306,000 |
| Hispanic | 8 | $1,357,000 | $169,000 | $315,000 | $97,000 | $155,000 |
| Not Provided | 2 | $114,000 | $57,000 | $75,000 | $133,000 | $241,000 |
| Black or African American | 1 | $71,000 | $71,000 | $71,000 | $28,000 | $28,000 |
| 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) | 870 | $152,465,000 | $175,000 | $5,360,000 | $98,000 | $3,214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $3,814,000 | $105,000 | $176,000 | $37,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 4 | $951,000 | $237,000 | $306,000 | $81,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 1 | $78,000 | $78,000 | $78,000 | $25,000 | $25,000 |
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 | 785 | $135,931,000 | $173,000 | $5,360,000 | $99,000 | $3,214,000 |
| Application Denied By Financial Institution | 67 | $11,456,000 | $170,000 | $807,000 | $69,000 | $241,000 |
| Application Withdrawn By Applicant | 55 | $9,384,000 | $170,000 | $1,200,000 | $80,000 | $367,000 |
| File Closed For Incompleteness | 3 | $425,000 | $141,000 | $225,000 | $55,000 | $80,000 |
| Application Approved But Not Accepted | 1 | $112,000 | $112,000 | $112,000 | $44,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $40,000 | $40,000 | $40,000 | $14,000 | $14,000 |
| Other | 1 | $24,000 | $24,000 | $24,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Trust & Savings Bank's 2013 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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