American Trust & Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, American Trust & Savings Bank of Dubuque, IA reported 1,084 mortgage applications totaling $167.9 million, down 38% from 2010. The average application was for $154,904, and applicants reported an average income of $85,129. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dubuque, IA (744), Des Moines-West Des Moines, IA (89) 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 | 1,084 |
| Total Mortgage Loan Application Amount | $167,917,000 |
| Average Mortgage Loan Application Amount | $154,904 |
| Highest Mortgage Loan Application Amount | $3,485,000 |
| Average Applicant Income | $85,129 |
| Highest Applicant Income | $2,103,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 744 | $ 102,466,000 | $ 137,723 | $ 74,000 |
| Des Moines-West Des Moines, IA | 89 | $ 24,562,000 | $ 275,977 | $ 143,000 |
| Cedar Rapids, IA | 20 | $ 2,460,000 | $ 123,000 | $ 61,000 |
| Madison, WI | 5 | $ 6,132,000 | $ 1,226,400 | $ 53,000 |
| Ames, IA | 3 | $ 700,000 | $ 233,333 | $ 175,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 513,000 | $ 171,000 | $ 165,000 |
| Green Bay, WI | 3 | $ 506,000 | $ 168,666 | $ 329,000 |
| Iowa City, IA | 3 | $ 324,000 | $ 108,000 | $ 98,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 538,000 | $ 269,000 | $ 84,000 |
| Janesville, WI | 2 | $ 1,365,000 | $ 682,500 | $ 50,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 551,000 | $ 275,500 | $ 95,000 |
| Tucson, AZ | 2 | $ 834,000 | $ 417,000 | $ 350,000 |
| Appleton, WI | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Baltimore-Towson, MD | 1 | $ 247,000 | $ 247,000 | $ 259,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 400,000 | $ 400,000 | $ 127,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Naples-Marco Island, FL | 1 | $ 404,000 | $ 404,000 | $ 539,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 180,000 | $ 180,000 | $ 281,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 25,000 | $ 25,000 | $ 136,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 108,000 | $ 108,000 | $ 188,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 66,000 | $ 66,000 | $ 143,000 |
| Salt Lake City, UT | 1 | $ 545,000 | $ 545,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2011
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 | 742 | $124,314,000 | $167,000 | $3,485,000 | $92,000 | $2,103,000 |
| Home Purchase | 304 | $42,662,000 | $140,000 | $3,300,000 | $70,000 | $544,000 |
| Home Improvement | 38 | $941,000 | $24,000 | $190,000 | $72,000 | $400,000 |
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 | 1,024 | $144,969,000 | $141,000 | $987,000 | $85,000 | $1,132,000 |
| Not applicable | 32 | $17,927,000 | $560,000 | $3,485,000 | $0 | $0 |
| Not Provided | 16 | $2,365,000 | $147,000 | $412,000 | $85,000 | $272,000 |
| Black or African American | 4 | $1,172,000 | $293,000 | $801,000 | $578,000 | $2,103,000 |
| Hispanic | 4 | $727,000 | $181,000 | $334,000 | $84,000 | $200,000 |
| American Indian or Alaskan Native | 2 | $236,000 | $118,000 | $150,000 | $40,000 | $53,000 |
| Asian | 2 | $521,000 | $260,000 | $299,000 | $195,000 | $301,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,056 | $164,832,000 | $156,000 | $3,485,000 | $86,000 | $2,103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,591,000 | $112,000 | $171,000 | $47,000 | $80,000 |
| FHA-insured (Federal Housing Administration) | 3 | $378,000 | $126,000 | $210,000 | $54,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 2 | $116,000 | $58,000 | $66,000 | $9,000 | $19,000 |
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 | 933 | $148,680,000 | $159,000 | $3,485,000 | $86,000 | $2,103,000 |
| Application Denied By Financial Institution | 95 | $11,766,000 | $123,000 | $850,000 | $65,000 | $950,000 |
| Application Withdrawn By Applicant | 53 | $7,414,000 | $139,000 | $404,000 | $90,000 | $539,000 |
| Application Approved But Not Accepted | 3 | $57,000 | $19,000 | $35,000 | $93,000 | $192,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2011 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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