American Trust & Savings Bank Mortgage Lending & HMDA Data, 2013
In 2013, American Trust & Savings Bank of Dubuque, IA reported 911 mortgage applications totaling $157.3 million, down 50% from 2012. The average application was for $172,676, and applicants reported an average income of $95,174. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dubuque, IA (560), Des Moines-West Des Moines, IA (93) and Cedar Rapids, IA (13) (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 | 911 |
| Total Mortgage Loan Application Amount | $157,308,000 |
| Average Mortgage Loan Application Amount | $172,676 |
| Highest Mortgage Loan Application Amount | $5,360,000 |
| Average Applicant Income | $95,174 |
| Highest Applicant Income | $3,214,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 560 | $ 82,012,000 | $ 146,450 | $ 76,000 |
| Des Moines-West Des Moines, IA | 93 | $ 24,167,000 | $ 259,860 | $ 114,000 |
| Cedar Rapids, IA | 13 | $ 2,298,000 | $ 176,769 | $ 516,000 |
| San Francisco-San Mateo-Redwood City, CA | 13 | $ 5,178,000 | $ 398,307 | $ 200,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 4,873,000 | $ 443,000 | $ 174,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 3,259,000 | $ 407,375 | $ 74,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 743,000 | $ 148,600 | $ 64,000 |
| Chicago-Joliet-Naperville, IL | 5 | $ 1,865,000 | $ 373,000 | $ 226,000 |
| Madison, WI | 4 | $ 763,000 | $ 190,750 | $ 76,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 1,619,000 | $ 404,750 | $ 47,000 |
| Iowa City, IA | 3 | $ 442,000 | $ 147,333 | $ 169,000 |
| Ames, IA | 2 | $ 415,000 | $ 207,500 | $ 81,000 |
| Indianapolis-Carmel, IN | 2 | $ 490,000 | $ 245,000 | $ 94,000 |
| Las Vegas-Paradise, NV | 2 | $ 473,000 | $ 236,500 | $ 163,000 |
| Bloomington, IN | 1 | $ 83,000 | $ 83,000 | $ 61,000 |
| Corpus Christi, TX | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Green Bay, WI | 1 | $ 60,000 | $ 60,000 | $ 361,000 |
| Kansas City, MO-KS | 1 | $ 110,000 | $ 110,000 | $ 335,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 344,000 | $ 344,000 | $ 204,000 |
| Mankato-North Mankato, MN | 1 | $ 344,000 | $ 344,000 | $ 411,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 1,200,000 | $ 1,200,000 | $ 119,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 538,000 | $ 538,000 | $ 226,000 |
| Port St. Lucie, FL | 1 | $ 1,785,000 | $ 1,785,000 | $ 960,000 |
| Redding, CA | 1 | $ 152,000 | $ 152,000 | $ 96,000 |
| Rockford, IL | 1 | $ 225,000 | $ 225,000 | $ 815,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 454,000 | $ 454,000 | $ 200,000 |
| Salinas, CA | 1 | $ 395,000 | $ 395,000 | $ 167,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 417,000 | $ 417,000 | $ 156,000 |
| Sioux City, IA-NE-SD | 1 | $ 332,000 | $ 332,000 | $ 207,000 |
| Tucson, AZ | 1 | $ 409,000 | $ 409,000 | $ 413,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2013
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 | 513 | $91,240,000 | $177,000 | $5,360,000 | $100,000 | $3,214,000 |
| Home Purchase | 378 | $65,147,000 | $172,000 | $1,200,000 | $88,000 | $2,336,000 |
| Home Improvement | 20 | $921,000 | $46,000 | $250,000 | $107,000 | $477,000 |
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 | 866 | $140,257,000 | $161,000 | $1,785,000 | $97,000 | $3,214,000 |
| Not applicable | 25 | $12,877,000 | $515,000 | $5,360,000 | $0 | $0 |
| Asian | 9 | $2,632,000 | $292,000 | $538,000 | $163,000 | $306,000 |
| Hispanic | 8 | $1,357,000 | $169,000 | $315,000 | $97,000 | $155,000 |
| Not Provided | 2 | $114,000 | $57,000 | $75,000 | $133,000 | $241,000 |
| Black or African American | 1 | $71,000 | $71,000 | $71,000 | $28,000 | $28,000 |
| 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) | 870 | $152,465,000 | $175,000 | $5,360,000 | $98,000 | $3,214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $3,814,000 | $105,000 | $176,000 | $37,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 4 | $951,000 | $237,000 | $306,000 | $81,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 1 | $78,000 | $78,000 | $78,000 | $25,000 | $25,000 |
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 | 785 | $135,931,000 | $173,000 | $5,360,000 | $99,000 | $3,214,000 |
| Application Denied By Financial Institution | 67 | $11,456,000 | $170,000 | $807,000 | $69,000 | $241,000 |
| Application Withdrawn By Applicant | 55 | $9,384,000 | $170,000 | $1,200,000 | $80,000 | $367,000 |
| File Closed For Incompleteness | 3 | $425,000 | $141,000 | $225,000 | $55,000 | $80,000 |
| Application Approved But Not Accepted | 1 | $112,000 | $112,000 | $112,000 | $44,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $40,000 | $40,000 | $40,000 | $14,000 | $14,000 |
| Other | 1 | $24,000 | $24,000 | $24,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Trust & Savings Bank's 2013 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About