American Trust & Savings Bank Mortgage Lending & HMDA Data, 2017
In 2017, American Trust & Savings Bank of Dubuque, IA reported 866 mortgage applications totaling $161.5 million, down 22% from 2016. The average application was for $186,530, and applicants reported an average income of $90,000. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dubuque, IA (540), Des Moines-West Des Moines, IA (119) and Cedar Rapids, IA (14) (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 | 866 |
| Total Mortgage Loan Application Amount | $161,535,000 |
| Average Mortgage Loan Application Amount | $186,530 |
| Highest Mortgage Loan Application Amount | $5,180,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $960,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 540 | $ 90,078,000 | $ 166,811 | $ 77,000 |
| Polk, Iowa | 55 | $ 9,958,000 | $ 181,054 | $ 110,000 |
| Dallas, Iowa | 52 | $ 14,347,000 | $ 275,903 | $ 109,000 |
| Grant, Wisconsin | 47 | $ 6,295,000 | $ 133,936 | $ 64,000 |
| Jo Daviess, Illinois | 25 | $ 3,999,000 | $ 159,960 | $ 79,000 |
| Delaware, Iowa | 18 | $ 2,582,000 | $ 143,444 | $ 115,000 |
| Jackson, Iowa | 12 | $ 2,574,000 | $ 214,500 | $ 116,000 |
| Jones, Iowa | 10 | $ 1,343,000 | $ 134,300 | $ 116,000 |
| Warren, Iowa | 8 | $ 1,887,000 | $ 235,875 | $ 99,000 |
| San Mateo, California | 7 | $ 3,399,000 | $ 485,571 | $ 260,000 |
| Lafayette, Wisconsin | 6 | $ 809,000 | $ 134,833 | $ 65,000 |
| Clayton, Iowa | 4 | $ 910,000 | $ 227,500 | $ 77,000 |
| Linn, Iowa | 4 | $ 796,000 | $ 199,000 | $ 121,000 |
| Mahaska, Iowa | 4 | $ 1,006,000 | $ 251,500 | $ 40,000 |
| Scott, Iowa | 4 | $ 663,000 | $ 165,750 | $ 57,000 |
| Lee, Florida | 3 | $ 483,000 | $ 161,000 | $ 166,000 |
| Madison, Iowa | 3 | $ 5,622,000 | $ 1,874,000 | $ 78,000 |
| Marshall, Iowa | 3 | $ 253,000 | $ 84,333 | $ 93,000 |
| Maricopa, Arizona | 2 | $ 1,268,000 | $ 634,000 | $ 0 |
| Sacramento, California | 2 | $ 547,000 | $ 273,500 | $ 220,000 |
| Chaffee, Colorado | 2 | $ 690,000 | $ 345,000 | $ 594,000 |
| Black Hawk, Iowa | 2 | $ 271,000 | $ 135,500 | $ 74,000 |
| Clinton, Iowa | 2 | $ 266,000 | $ 133,000 | $ 64,000 |
| Johnson, Iowa | 2 | $ 584,000 | $ 292,000 | $ 130,000 |
| Marion, Iowa | 2 | $ 159,000 | $ 79,500 | $ 122,000 |
| Story, Iowa | 2 | $ 744,000 | $ 372,000 | $ 226,000 |
| Wabasha, Minnesota | 2 | $ 302,000 | $ 151,000 | $ 112,000 |
| Clark, Nevada | 2 | $ 589,000 | $ 294,500 | $ 174,000 |
| Crawford, Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 126,000 |
| Iowa, Wisconsin | 2 | $ 358,000 | $ 179,000 | $ 57,000 |
| Los Angeles, California | 1 | $ 102,000 | $ 102,000 | $ 91,000 |
| San Joaquin, California | 1 | $ 412,000 | $ 412,000 | $ 140,000 |
| Santa Clara, California | 1 | $ 417,000 | $ 417,000 | $ 165,000 |
| Jefferson, Colorado | 1 | $ 314,000 | $ 314,000 | $ 130,000 |
| Larimer, Colorado | 1 | $ 392,000 | $ 392,000 | $ 155,000 |
| Summit, Colorado | 1 | $ 93,000 | $ 93,000 | $ 648,000 |
| New Haven, Connecticut | 1 | $ 273,000 | $ 273,000 | $ 326,000 |
| Charlotte, Florida | 1 | $ 212,000 | $ 212,000 | $ 76,000 |
| Adams, Illinois | 1 | $ 366,000 | $ 366,000 | $ 196,000 |
| Boone, Iowa | 1 | $ 140,000 | $ 140,000 | $ 117,000 |
| Buchanan, Iowa | 1 | $ 148,000 | $ 148,000 | $ 36,000 |
| Cass, Iowa | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Guthrie, Iowa | 1 | $ 191,000 | $ 191,000 | $ 89,000 |
| Iowa, Iowa | 1 | $ 78,000 | $ 78,000 | $ 151,000 |
| Jasper, Iowa | 1 | $ 114,000 | $ 114,000 | $ 76,000 |
| Monroe, Iowa | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Poweshiek, Iowa | 1 | $ 180,000 | $ 180,000 | $ 148,000 |
| Ringgold, Iowa | 1 | $ 95,000 | $ 95,000 | $ 179,000 |
| Wapello, Iowa | 1 | $ 240,000 | $ 240,000 | $ 38,000 |
| Winneshiek, Iowa | 1 | $ 4,000 | $ 4,000 | $ 57,000 |
| Oakland, Michigan | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Becker, Minnesota | 1 | $ 304,000 | $ 304,000 | $ 190,000 |
| Hennepin, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 172,000 |
| Olmsted, Minnesota | 1 | $ 169,000 | $ 169,000 | $ 65,000 |
| Scott, Minnesota | 1 | $ 299,000 | $ 299,000 | $ 141,000 |
| Camden, Missouri | 1 | $ 272,000 | $ 272,000 | $ 169,000 |
| Sanders, Montana | 1 | $ 346,000 | $ 346,000 | $ 139,000 |
| Atlantic, New Jersey | 1 | $ 376,000 | $ 376,000 | $ 300,000 |
| Wake, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 167,000 |
| Denton, Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Clark, Washington | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Whatcom, Washington | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
| Brown, Wisconsin | 1 | $ 424,000 | $ 424,000 | $ 212,000 |
| Dane, Wisconsin | 1 | $ 281,000 | $ 281,000 | $ 104,000 |
| La Crosse, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Sheboygan, Wisconsin | 1 | $ 651,000 | $ 651,000 | $ 906,000 |
| Waukesha, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 611 | $114,333,000 | $187,000 | $1,995,000 | $90,000 | $960,000 |
| Refinancing | 240 | $46,358,000 | $193,000 | $5,180,000 | $90,000 | $906,000 |
| Home Improvement | 15 | $844,000 | $56,000 | $483,000 | $90,000 | $217,000 |
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 | 800 | $139,872,000 | $174,000 | $1,000,000 | $93,000 | $960,000 |
| Not applicable | 35 | $16,739,000 | $478,000 | $5,180,000 | $0 | $0 |
| Asian | 14 | $2,760,000 | $197,000 | $417,000 | $138,000 | $493,000 |
| Hispanic | 7 | $1,144,000 | $163,000 | $296,000 | $80,000 | $200,000 |
| Not Provided | 7 | $143,000 | $20,000 | $40,000 | $52,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $547,000 | $273,000 | $275,000 | $220,000 | $222,000 |
| Black or African American | 1 | $330,000 | $330,000 | $330,000 | $103,000 | $103,000 |
| 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) | 824 | $156,099,000 | $189,000 | $5,180,000 | $92,000 | $960,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,407,000 | $117,000 | $199,000 | $40,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,891,000 | $157,000 | $350,000 | $53,000 | $100,000 |
| FHA-insured (Federal Housing Administration) | 1 | $138,000 | $138,000 | $138,000 | $37,000 | $37,000 |
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 | 748 | $145,453,000 | $194,000 | $5,180,000 | $94,000 | $960,000 |
| Application Denied By Financial Institution | 63 | $8,668,000 | $137,000 | $604,000 | $50,000 | $265,000 |
| Application Withdrawn By Applicant | 47 | $6,456,000 | $137,000 | $424,000 | $79,000 | $273,000 |
| Application Approved But Not Accepted | 4 | $661,000 | $165,000 | $272,000 | $84,000 | $218,000 |
| Loan Purchased By The Institution | 4 | $297,000 | $74,000 | $87,000 | $25,000 | $38,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2017 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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