American Trust & Savings Bank Mortgage Lending & HMDA Data, 2016
In 2016, American Trust & Savings Bank of Dubuque, IA reported 1,110 mortgage applications totaling $209.1 million, up 17% from 2015. The average application was for $188,416, and applicants reported an average income of $100,100. 87% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dubuque, IA (668), Des Moines-West Des Moines, IA (195) and San Francisco-Redwood City-South San Francisco, CA (19) (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 | 1,110 |
| Total Mortgage Loan Application Amount | $209,142,000 |
| Average Mortgage Loan Application Amount | $188,416 |
| Highest Mortgage Loan Application Amount | $1,743,000 |
| Average Applicant Income | $100,100 |
| Highest Applicant Income | $1,378,000 |
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records American Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 668 | $ 111,626,000 | $ 167,104 | $ 92,000 |
| Des Moines-West Des Moines, IA | 195 | $ 51,658,000 | $ 264,912 | $ 131,000 |
| San Francisco-Redwood City-South San Francisco, CA | 19 | $ 7,790,000 | $ 410,000 | $ 206,000 |
| Cedar Rapids, IA | 14 | $ 2,638,000 | $ 188,428 | $ 78,000 |
| Ames, IA | 8 | $ 1,356,000 | $ 169,500 | $ 155,000 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 2,267,000 | $ 377,833 | $ 100,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 745,000 | $ 149,000 | $ 72,000 |
| Madison, WI | 5 | $ 721,000 | $ 144,200 | $ 65,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 949,000 | $ 237,250 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,659,000 | $ 414,750 | $ 114,000 |
| Iowa City, IA | 3 | $ 775,000 | $ 258,333 | $ 111,000 |
| Kansas City, MO-KS | 2 | $ 350,000 | $ 175,000 | $ 108,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 471,000 | $ 235,500 | $ 97,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 241,000 | $ 120,500 | $ 143,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 280,000 | $ 140,000 | $ 72,000 |
| Albuquerque, NM | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Duluth, MN-WI | 1 | $ 220,000 | $ 220,000 | $ 166,000 |
| Elgin, IL | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Muskegon, MI | 1 | $ 137,000 | $ 137,000 | $ 54,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 200,000 | $ 200,000 | $ 148,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 250,000 | $ 250,000 | $ 87,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 396,000 | $ 396,000 | $ 149,000 |
| Prescott, AZ | 1 | $ 160,000 | $ 160,000 | $ 308,000 |
| San Rafael, CA | 1 | $ 300,000 | $ 300,000 | $ 84,000 |
| Santa Rosa, CA | 1 | $ 256,000 | $ 256,000 | $ 91,000 |
| Stockton-Lodi, CA | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Vallejo-Fairfield, CA | 1 | $ 258,000 | $ 258,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for American Trust & Savings Bank in 2016
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 | 566 | $111,355,000 | $196,000 | $1,232,000 | $111,000 | $1,378,000 |
| Home Purchase | 526 | $97,338,000 | $185,000 | $1,743,000 | $88,000 | $600,000 |
| Home Improvement | 18 | $449,000 | $24,000 | $92,000 | $111,000 | $355,000 |
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 | 1,051 | $192,391,000 | $183,000 | $1,283,000 | $101,000 | $1,378,000 |
| Not applicable | 18 | $7,891,000 | $438,000 | $1,743,000 | $0 | $0 |
| Asian | 17 | $4,704,000 | $276,000 | $587,000 | $175,000 | $437,000 |
| Hispanic | 13 | $2,684,000 | $206,000 | $440,000 | $93,000 | $186,000 |
| Not Provided | 4 | $128,000 | $32,000 | $51,000 | $45,000 | $65,000 |
| American Indian or Alaskan Native | 3 | $861,000 | $287,000 | $626,000 | $140,000 | $144,000 |
| Black or African American | 3 | $293,000 | $97,000 | $114,000 | $39,000 | $51,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $190,000 | $190,000 | $190,000 | $128,000 | $128,000 |
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) | 1,071 | $203,701,000 | $190,000 | $1,743,000 | $102,000 | $1,378,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,609,000 | $124,000 | $224,000 | $51,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,639,000 | $204,000 | $294,000 | $50,000 | $102,000 |
| FHA-insured (Federal Housing Administration) | 2 | $193,000 | $96,000 | $103,000 | $41,000 | $55,000 |
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 | 970 | $187,206,000 | $192,000 | $1,743,000 | $102,000 | $1,378,000 |
| Application Withdrawn By Applicant | 66 | $10,890,000 | $165,000 | $572,000 | $92,000 | $355,000 |
| Application Denied By Financial Institution | 64 | $9,268,000 | $144,000 | $450,000 | $69,000 | $308,000 |
| Application Approved But Not Accepted | 6 | $858,000 | $143,000 | $211,000 | $57,000 | $95,000 |
| File Closed For Incompleteness | 4 | $920,000 | $230,000 | $408,000 | $274,000 | $647,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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