American Trust & Savings Bank Mortgage Lending & HMDA Data, 2010
In 2010, American Trust & Savings Bank of Dubuque, IA reported 1,743 mortgage applications totaling $274.1 million, down 7% from 2009. The average application was for $157,274, and applicants reported an average income of $85,263. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dubuque, IA (1,241), Des Moines-West Des Moines, IA (109) and Cedar Rapids, IA (27) (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 | 1,743 |
| Total Mortgage Loan Application Amount | $274,130,000 |
| Average Mortgage Loan Application Amount | $157,274 |
| Highest Mortgage Loan Application Amount | $3,857,000 |
| Average Applicant Income | $85,263 |
| Highest Applicant Income | $980,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,241 | $ 192,243,000 | $ 154,909 | $ 86,000 |
| Des Moines-West Des Moines, IA | 109 | $ 24,439,000 | $ 224,211 | $ 95,000 |
| Cedar Rapids, IA | 27 | $ 3,610,000 | $ 133,703 | $ 79,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 1,937,000 | $ 176,090 | $ 72,545 |
| Chicago-Joliet-Naperville, IL | 6 | $ 1,686,000 | $ 281,000 | $ 255,000 |
| Madison, WI | 6 | $ 1,164,000 | $ 194,000 | $ 295,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 145,000 | $ 72,500 | $ 49,000 |
| Ames, IA | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Bellingham, WA | 1 | $ 169,000 | $ 169,000 | $ 360,000 |
| Bloomington, IN | 1 | $ 91,000 | $ 91,000 | $ 52,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Green Bay, WI | 1 | $ 250,000 | $ 250,000 | $ 326,000 |
| Indianapolis-Carmel, IN | 1 | $ 217,000 | $ 217,000 | $ 62,000 |
| Iowa City, IA | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Naples-Marco Island, FL | 1 | $ 178,000 | $ 178,000 | $ 275,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Salt Lake City, UT | 1 | $ 175,000 | $ 175,000 | $ 11,000 |
| Tucson, AZ | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 133,000 | $ 133,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2010
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 | 1,366 | $223,688,000 | $163,000 | $2,800,000 | $90,000 | $806,000 |
| Home Purchase | 344 | $45,587,000 | $132,000 | $2,814,000 | $66,000 | $469,000 |
| Home Improvement | 33 | $4,855,000 | $147,000 | $3,857,000 | $90,000 | $980,000 |
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 | 1,650 | $244,983,000 | $148,000 | $1,960,000 | $87,000 | $980,000 |
| Not applicable | 46 | $21,435,000 | $465,000 | $3,857,000 | $0 | $0 |
| Not Provided | 25 | $3,897,000 | $155,000 | $384,000 | $97,000 | $372,000 |
| Asian | 15 | $2,913,000 | $194,000 | $417,000 | $228,000 | $469,000 |
| Hispanic | 4 | $505,000 | $126,000 | $157,000 | $84,000 | $141,000 |
| Black or African American | 3 | $397,000 | $132,000 | $158,000 | $45,000 | $73,000 |
| 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) | 1,686 | $267,851,000 | $158,000 | $3,857,000 | $87,000 | $980,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,730,000 | $100,000 | $228,000 | $32,000 | $59,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,730,000 | $123,000 | $262,000 | $32,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 6 | $819,000 | $136,000 | $228,000 | $61,000 | $95,000 |
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 | 1,616 | $258,536,000 | $159,000 | $3,857,000 | $87,000 | $980,000 |
| Application Denied By Financial Institution | 72 | $8,403,000 | $116,000 | $980,000 | $45,000 | $234,000 |
| Application Withdrawn By Applicant | 46 | $6,511,000 | $141,000 | $417,000 | $86,000 | $372,000 |
| Application Approved But Not Accepted | 8 | $564,000 | $70,000 | $150,000 | $74,000 | $186,000 |
| File Closed For Incompleteness | 1 | $116,000 | $116,000 | $116,000 | $83,000 | $83,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 32 | $2,307,000 | $72,000 | $171,000 | $38,000 | $156,000 |
| Debt-To-Income Ratio | 23 | $3,474,000 | $151,000 | $980,000 | $47,000 | $234,000 |
| Collateral | 9 | $1,450,000 | $161,000 | $420,000 | $83,000 | $234,000 |
| Employment History | 4 | $304,000 | $76,000 | $107,000 | $31,000 | $71,000 |
| Other | 3 | $268,000 | $89,000 | $175,000 | $34,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $600,000 | $600,000 | $600,000 | $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 2010 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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