American Trust & Savings Bank Mortgage Lending & HMDA Data, 2009
In 2009, American Trust & Savings Bank of Dubuque, IA reported 1,866 mortgage applications totaling $259.0 million, up 167% from 2008. The average application was for $138,817, and applicants reported an average income of $81,132. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dubuque, IA (1,340), Des Moines-West Des Moines, IA (86) 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 | 1,866 |
| Total Mortgage Loan Application Amount | $259,034,000 |
| Average Mortgage Loan Application Amount | $138,817 |
| Highest Mortgage Loan Application Amount | $2,912,000 |
| Average Applicant Income | $81,132 |
| Highest Applicant Income | $1,132,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,340 | $ 177,114,000 | $ 132,174 | $ 78,000 |
| Des Moines-West Des Moines, IA | 86 | $ 22,262,000 | $ 258,860 | $ 128,000 |
| Cedar Rapids, IA | 20 | $ 2,289,000 | $ 114,450 | $ 75,000 |
| Davenport-Moline-Rock Island, IA-IL | 15 | $ 4,639,000 | $ 309,266 | $ 84,933 |
| Chicago-Naperville-Joliet, IL | 8 | $ 2,463,000 | $ 307,875 | $ 233,000 |
| Iowa City, IA | 5 | $ 590,000 | $ 118,000 | $ 61,000 |
| Madison, WI | 5 | $ 632,000 | $ 126,400 | $ 41,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 612,000 | $ 153,000 | $ 85,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 421,000 | $ 140,333 | $ 166,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 209,000 | $ 104,500 | $ 158,000 |
| Fort Wayne, IN | 2 | $ 834,000 | $ 417,000 | $ 482,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 840,000 | $ 420,000 | $ 459,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 530,000 | $ 265,000 | $ 114,000 |
| Naples-Marco Island, FL | 2 | $ 652,000 | $ 326,000 | $ 368,000 |
| Bloomington, IN | 1 | $ 93,000 | $ 93,000 | $ 52,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Indianapolis-Carmel, IN | 1 | $ 241,000 | $ 241,000 | $ 150,000 |
| Janesville, WI | 1 | $ 139,000 | $ 139,000 | $ 93,000 |
| Niles-Benton Harbor, MI | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 408,000 | $ 408,000 | $ 59,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Philadelphia, PA | 1 | $ 210,000 | $ 210,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2009
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 | 1,445 | $211,652,000 | $146,000 | $2,912,000 | $84,000 | $898,000 |
| Home Purchase | 380 | $45,543,000 | $119,000 | $417,000 | $71,000 | $1,132,000 |
| Home Improvement | 41 | $1,839,000 | $44,000 | $290,000 | $74,000 | $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 | 1,827 | $244,687,000 | $133,000 | $730,000 | $82,000 | $1,132,000 |
| Not applicable | 16 | $11,017,000 | $688,000 | $2,912,000 | $2,000 | $40,000 |
| Asian | 7 | $1,508,000 | $215,000 | $417,000 | $140,000 | $276,000 |
| Black or African American | 6 | $778,000 | $129,000 | $313,000 | $91,000 | $258,000 |
| Hispanic | 5 | $665,000 | $133,000 | $175,000 | $83,000 | $145,000 |
| Not Provided | 4 | $322,000 | $80,000 | $128,000 | $55,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $57,000 | $57,000 | $57,000 | $59,000 | $59,000 |
| 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) | 1,809 | $252,920,000 | $139,000 | $2,912,000 | $82,000 | $1,132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,693,000 | $106,000 | $226,000 | $40,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,014,000 | $92,000 | $160,000 | $46,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $407,000 | $203,000 | $225,000 | $87,000 | $92,000 |
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 | 1,708 | $244,986,000 | $143,000 | $2,912,000 | $84,000 | $1,132,000 |
| Application Denied By Financial Institution | 84 | $6,262,000 | $74,000 | $278,000 | $44,000 | $205,000 |
| Application Withdrawn By Applicant | 57 | $6,810,000 | $119,000 | $417,000 | $68,000 | $516,000 |
| Application Approved But Not Accepted | 13 | $601,000 | $46,000 | $142,000 | $64,000 | $278,000 |
| Preapproval Denied by Financial Institution | 3 | $297,000 | $99,000 | $126,000 | $29,000 | $35,000 |
| File Closed For Incompleteness | 1 | $78,000 | $78,000 | $78,000 | $87,000 | $87,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 46 | $3,296,000 | $71,000 | $201,000 | $35,000 | $70,000 |
| Debt-To-Income Ratio | 26 | $1,799,000 | $69,000 | $267,000 | $45,000 | $205,000 |
| Collateral | 7 | $672,000 | $96,000 | $278,000 | $80,000 | $180,000 |
| Other | 4 | $483,000 | $120,000 | $234,000 | $51,000 | $90,000 |
| Employment History | 2 | $128,000 | $64,000 | $120,000 | $44,000 | $67,000 |
| 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 2009 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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