American Trust & Savings Bank Mortgage Lending & HMDA Data, 2015
In 2015, American Trust & Savings Bank of Dubuque, IA reported 949 mortgage applications totaling $168.6 million, up 53% from 2014. The average application was for $177,640, and applicants reported an average income of $94,421. 89% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dubuque, IA (576), Des Moines-West Des Moines, IA (149) and Cedar Rapids, IA (12) (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 | 949 |
| Total Mortgage Loan Application Amount | $168,581,000 |
| Average Mortgage Loan Application Amount | $177,640 |
| Highest Mortgage Loan Application Amount | $5,086,000 |
| Average Applicant Income | $94,421 |
| Highest Applicant Income | $918,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 576 | $ 87,068,000 | $ 151,159 | $ 79,000 |
| Des Moines-West Des Moines, IA | 149 | $ 39,506,000 | $ 265,140 | $ 125,000 |
| Cedar Rapids, IA | 12 | $ 1,924,000 | $ 160,333 | $ 95,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 1,449,000 | $ 181,125 | $ 201,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 2,366,000 | $ 338,000 | $ 103,000 |
| Iowa City, IA | 5 | $ 884,000 | $ 176,800 | $ 167,000 |
| Ames, IA | 4 | $ 1,111,000 | $ 277,750 | $ 94,000 |
| Madison, WI | 4 | $ 491,000 | $ 122,750 | $ 178,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 732,000 | $ 244,000 | $ 78,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,323,000 | $ 441,000 | $ 319,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,337,000 | $ 445,666 | $ 135,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 454,000 | $ 151,333 | $ 365,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 353,000 | $ 176,500 | $ 129,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 743,000 | $ 371,500 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,139,000 | $ 569,500 | $ 266,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 121,000 | $ 121,000 | $ 31,000 |
| Macon, GA | 1 | $ 212,000 | $ 212,000 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 26,000 | $ 26,000 | $ 105,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 199,000 | $ 199,000 | $ 93,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 417,000 | $ 417,000 | $ 219,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 326,000 | $ 326,000 | $ 216,000 |
| Port St. Lucie, FL | 1 | $ 1,222,000 | $ 1,222,000 | $ 0 |
| Rochester, MN | 1 | $ 132,000 | $ 132,000 | $ 101,000 |
| Salinas, CA | 1 | $ 528,000 | $ 528,000 | $ 126,000 |
| Santa Rosa, CA | 1 | $ 625,000 | $ 625,000 | $ 274,000 |
| Springfield, MO | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| St. Joseph, MO-KS | 1 | $ 363,000 | $ 363,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2015
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 482 | $81,373,000 | $168,000 | $1,222,000 | $89,000 | $855,000 |
| Refinancing | 450 | $86,631,000 | $192,000 | $5,086,000 | $101,000 | $918,000 |
| Home Improvement | 17 | $577,000 | $33,000 | $150,000 | $74,000 | $185,000 |
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 | 910 | $153,527,000 | $168,000 | $838,000 | $95,000 | $918,000 |
| Asian | 16 | $4,052,000 | $253,000 | $625,000 | $152,000 | $374,000 |
| Not applicable | 14 | $9,266,000 | $661,000 | $5,086,000 | $0 | $0 |
| Black or African American | 4 | $741,000 | $185,000 | $286,000 | $69,000 | $90,000 |
| American Indian or Alaskan Native | 2 | $683,000 | $341,000 | $626,000 | $139,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $307,000 | $153,000 | $215,000 | $52,000 | $77,000 |
| Not Provided | 1 | $5,000 | $5,000 | $5,000 | $50,000 | $50,000 |
| Hispanic | 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) | 915 | $164,292,000 | $179,000 | $5,086,000 | $96,000 | $918,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,890,000 | $120,000 | $202,000 | $44,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,091,000 | $155,000 | $222,000 | $55,000 | $93,000 |
| FHA-insured (Federal Housing Administration) | 3 | $308,000 | $102,000 | $132,000 | $34,000 | $41,000 |
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 | 847 | $151,929,000 | $179,000 | $5,086,000 | $97,000 | $918,000 |
| Application Denied By Financial Institution | 62 | $9,204,000 | $148,000 | $785,000 | $61,000 | $283,000 |
| Application Withdrawn By Applicant | 35 | $6,586,000 | $188,000 | $630,000 | $101,000 | $353,000 |
| Application Approved But Not Accepted | 5 | $862,000 | $172,000 | $392,000 | $68,000 | $110,000 |
| 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 2015 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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