American Trust & Savings Bank Mortgage Lending & HMDA Data, 2008
In 2008, American Trust & Savings Bank of Dubuque, IA reported 699 mortgage applications totaling $88.9 million, up 10% from 2007. The average application was for $127,181, and applicants reported an average income of $74,333. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dubuque, IA (484), Des Moines-West Des Moines, IA (43) and Madison, WI (4) (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 | 699 |
| Total Mortgage Loan Application Amount | $88,900,000 |
| Average Mortgage Loan Application Amount | $127,181 |
| Highest Mortgage Loan Application Amount | $1,550,000 |
| Average Applicant Income | $74,333 |
| Highest Applicant Income | $970,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dubuque, IA | 484 | $ 58,802,000 | $ 121,491 | $ 71,000 |
| Des Moines-West Des Moines, IA | 43 | $ 7,640,000 | $ 177,674 | $ 94,000 |
| Madison, WI | 4 | $ 664,000 | $ 166,000 | $ 76,000 |
| Cedar Rapids, IA | 3 | $ 212,000 | $ 70,666 | $ 64,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 607,000 | $ 202,333 | $ 57,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 435,000 | $ 145,000 | $ 46,000 |
| Janesville, WI | 3 | $ 330,000 | $ 110,000 | $ 83,000 |
| Niles-Benton Harbor, MI | 3 | $ 777,000 | $ 259,000 | $ 430,000 |
| Ames, IA | 2 | $ 1,636,000 | $ 818,000 | $ 109,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 900,000 | $ 450,000 | $ 515,000 |
| Bloomington, IN | 1 | $ 94,000 | $ 94,000 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Iowa City, IA | 1 | $ 57,000 | $ 57,000 | $ 136,000 |
| Kansas City, MO-KS | 1 | $ 231,000 | $ 231,000 | $ 90,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 56,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 417,000 | $ 417,000 | $ 424,000 |
| Orlando-Kissimmee, FL | 1 | $ 182,000 | $ 182,000 | $ 163,000 |
| Peoria, IL | 1 | $ 131,000 | $ 131,000 | $ 87,000 |
| St. George, UT | 1 | $ 8,000 | $ 8,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2008
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 | 344 | $48,775,000 | $141,000 | $1,550,000 | $76,000 | $512,000 |
| Home Purchase | 305 | $37,905,000 | $124,000 | $820,000 | $73,000 | $970,000 |
| Home Improvement | 50 | $2,220,000 | $44,000 | $217,000 | $71,000 | $317,000 |
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 | 662 | $82,805,000 | $125,000 | $603,000 | $77,000 | $970,000 |
| Not applicable | 23 | $5,252,000 | $228,000 | $1,550,000 | $0 | $0 |
| Not Provided | 7 | $144,000 | $20,000 | $36,000 | $55,000 | $102,000 |
| Hispanic | 3 | $280,000 | $93,000 | $182,000 | $68,000 | $163,000 |
| Asian | 2 | $368,000 | $184,000 | $224,000 | $154,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $24,000 | $24,000 | $24,000 | $68,000 | $68,000 |
| American Indian or Alaskan Native | 1 | $27,000 | $27,000 | $27,000 | $59,000 | $59,000 |
| Black or African American | 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) | 660 | $84,764,000 | $128,000 | $1,550,000 | $76,000 | $970,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,510,000 | $100,000 | $163,000 | $44,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,172,000 | $117,000 | $194,000 | $51,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 4 | $454,000 | $113,000 | $138,000 | $59,000 | $86,000 |
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 | 642 | $85,033,000 | $132,000 | $1,550,000 | $77,000 | $970,000 |
| Application Denied By Financial Institution | 38 | $1,923,000 | $50,000 | $208,000 | $45,000 | $102,000 |
| Application Withdrawn By Applicant | 16 | $1,637,000 | $102,000 | $217,000 | $65,000 | $165,000 |
| Application Approved But Not Accepted | 3 | $307,000 | $102,000 | $165,000 | $45,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $828,000 | $46,000 | $154,000 | $35,000 | $58,000 |
| Debt-To-Income Ratio | 11 | $514,000 | $46,000 | $144,000 | $43,000 | $54,000 |
| Collateral | 3 | $382,000 | $127,000 | $208,000 | $71,000 | $78,000 |
| Other | 3 | $151,000 | $50,000 | $113,000 | $79,000 | $102,000 |
| Employment History | 2 | $40,000 | $20,000 | $31,000 | $34,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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 2008 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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