Americantrust Federal Savings
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Americantrust Federal Savings 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Americantrust Federal Savings 915 W Main Street, Po Box 105 Peru, IN 46970 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 389 |
| Total Mortgage Loan Application Amount | $26,676,000 |
| Average Mortgage Loan Application Amount | $38,800 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $20,500 |
| Highest Applicant Income | $961,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Americantrust Federal Savings. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Americantrust Federal Savings's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Americantrust Federal Savings's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Americantrust Federal Savings serves its applicants.
Each category highlights the total number of mortgage applications processed by Americantrust Federal Savings, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Americantrust Federal Savings's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Miami County Indiana | 116 | $ 7,673,000 | $ 66,000 | $ 49,000 |
| Howard County Indiana | 90 | $ 8,033,000 | $ 89,000 | $ 53,000 |
| Cass County Indiana | 21 | $ 2,138,000 | $ 101,000 | $ 60,000 |
| Champaign County Illinois | 10 | $ 214,000 | $ 21,000 | $ 0 |
| McLean County Illinois | 7 | $ 167,000 | $ 23,000 | $ 0 |
| Kosciusko County Indiana | 7 | $ 343,000 | $ 49,000 | $ 44,000 |
| Muscatine County Iowa | 6 | $ 115,000 | $ 19,000 | $ 0 |
| Effingham County Illinois | 5 | $ 84,000 | $ 16,000 | $ 0 |
| Rock Island County Illinois | 5 | $ 82,000 | $ 16,000 | $ 0 |
| Carroll County Indiana | 5 | $ 295,000 | $ 59,000 | $ 38,000 |
| Tipton County Indiana | 5 | $ 408,000 | $ 81,000 | $ 68,000 |
| Johnson County Indiana | 4 | $ 222,000 | $ 55,000 | $ 23,000 |
| Wayne County Indiana | 4 | $ 40,000 | $ 10,000 | $ 0 |
| Branch County Michigan | 4 | $ 61,000 | $ 15,000 | $ 0 |
| Adams County Indiana | 3 | $ 38,000 | $ 12,000 | $ 0 |
| Marion County Indiana | 3 | $ 263,000 | $ 87,000 | $ 47,000 |
| Scott County Iowa | 3 | $ 37,000 | $ 12,000 | $ 0 |
| Hillsdale County Michigan | 3 | $ 39,000 | $ 13,000 | $ 0 |
| Mercer County Ohio | 3 | $ 46,000 | $ 15,000 | $ 0 |
| Livingston County Illinois | 2 | $ 44,000 | $ 22,000 | $ 0 |
| Boone County Indiana | 2 | $ 138,000 | $ 69,000 | $ 58,000 |
| Fulton County Indiana | 2 | $ 311,000 | $ 155,000 | $ 88,000 |
| Hancock County Indiana | 2 | $ 151,000 | $ 75,000 | $ 93,000 |
| Marshall County Indiana | 2 | $ 1,750,000 | $ 875,000 | $ 180,000 |
| Monroe County Indiana | 2 | $ 26,000 | $ 13,000 | $ 0 |
| Owen County Indiana | 2 | $ 43,000 | $ 21,000 | $ 0 |
| Wabash County Indiana | 2 | $ 156,000 | $ 78,000 | $ 32,000 |
| Daviess County Kentucky | 2 | $ 32,000 | $ 16,000 | $ 0 |
| Allen County Ohio | 2 | $ 33,000 | $ 16,000 | $ 0 |
| Lorain County Ohio | 2 | $ 42,000 | $ 21,000 | $ 0 |
| Douglas County Illinois | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Henry County Illinois | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Jefferson County Illinois | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Jo Daviess County Illinois | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Piatt County Illinois | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Delaware County Indiana | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Henry County Indiana | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Jay County Indiana | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Randolph County Indiana | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Steuben County Indiana | 1 | $ 300,000 | $ 300,000 | $ 363,000 |
| Clinton County Iowa | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Dubuque County Iowa | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Jefferson County Iowa | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Lee County Iowa | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Van Buren County Iowa | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Calloway County Kentucky | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Fleming County Kentucky | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Franklin County Kentucky | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Hopkins County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Mercer County Kentucky | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Montgomery County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Oldham County Kentucky | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Taylor County Kentucky | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Champaign County Ohio | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Defiance County Ohio | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Erie County Ohio | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Greene County Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Hardin County Ohio | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Huron County Ohio | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Seneca County Ohio | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Van Wert County Ohio | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Warren County Ohio | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Williams County Ohio | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Racine County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 0 |
Mortgage Loan Application Detail Totals for Americantrust Federal Savings in 2004
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 | 225 | $12,060,000 | $34,000 | $264,000 | $10,125 | $137,000 |
| Refinancing | 152 | $14,349,000 | $94,000 | $900,000 | $71,000 | $961,000 |
| Home Improvement | 12 | $267,000 | $22,000 | $64,000 | $53,000 | $101,000 |
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 | 253 | $22,811,000 | $92,500 | $900,000 | $55,000 | $961,000 |
| Not applicable | 109 | $2,324,000 | $19,571 | $160,000 | $1,428 | $69,000 |
| Black or African American | 8 | $280,000 | $40,500 | $80,000 | $22,500 | $125,000 |
| Hispanic | 8 | $641,000 | $80,000 | $212,000 | $54,000 | $130,000 |
| Asian | 6 | $298,000 | $49,000 | $106,000 | $54,000 | $64,000 |
| Not Provided | 3 | $275,000 | $91,666 | $225,000 | $24,000 | $72,000 |
| American Indian or Alaskan Native | 2 | $47,000 | $23,000 | $32,000 | $42,000 | $61,000 |
| 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) | 389 | $26,676,000 | $35,500 | $900,000 | $11,875 | $961,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 201 | $16,893,000 | $84,000 | $900,000 | $64,000 | $961,000 |
| Loan Purchased By The Institution | 101 | $1,662,000 | $16,857 | $35,000 | $0 | $0 |
| Application Withdrawn By Applicant | 43 | $4,731,000 | $123,500 | $850,000 | $65,500 | $267,000 |
| Application Denied By Financial Institution | 29 | $2,035,000 | $68,000 | $160,000 | $36,500 | $126,000 |
| Preapproval Approved but not Accepted | 9 | $964,000 | $107,000 | $247,000 | $63,000 | $117,000 |
| Preapproval Denied by Financial Institution | 5 | $274,000 | $54,000 | $77,000 | $44,000 | $58,000 |
| Application Approved But Not Accepted | 1 | $117,000 | $117,000 | $117,000 | $72,000 | $72,000 |
| File Closed For Incompleteness | 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 | 18 | $1,131,000 | $59,500 | $160,000 | $37,000 | $100,000 |
| Debt-To-Income Ratio | 4 | $297,000 | $89,500 | $120,000 | $58,000 | $126,000 |
| Collateral | 4 | $296,000 | $70,500 | $94,000 | $56,500 | $60,000 |
| Other | 3 | $218,000 | $72,000 | $136,000 | $55,000 | $88,000 |
| Unverifiable Information | 2 | $96,000 | $48,000 | $48,000 | $7,000 | $10,000 |
| Mortgage Insurance Denied | 2 | $231,000 | $115,500 | $154,000 | $49,500 | $63,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $13,000 | $13,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americantrust Federal Savings's 2004 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 Americantrust Federal Savings'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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.