Atkins Savings Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Atkins Savings Bank & Trust of Atkins, IA reported 51 mortgage applications totaling $7.8 million. The average application was for $153,235, and applicants reported an average income of $110,000. 88% of its applications resulted in an originated loan and 6% were denied. Its largest market was Cedar Rapids, IA (35).
| Mortgage Company & Address | Atkins Savings Bank & Trust 97 Main Ave Atkins, IA 52206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 51 |
| Total Mortgage Loan Application Amount | $7,815,000 |
| Average Mortgage Loan Application Amount | $153,235 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $343,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Atkins Savings Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Benton, Iowa | 20 | $ 3,550,000 | $ 177,500 | $ 104,000 |
| Linn, Iowa | 15 | $ 1,635,000 | $ 109,000 | $ 110,000 |
| Iowa, Iowa | 8 | $ 810,000 | $ 101,250 | $ 89,000 |
| Poweshiek, Iowa | 3 | $ 485,000 | $ 161,666 | $ 102,000 |
| Buchanan, Iowa | 2 | $ 540,000 | $ 270,000 | $ 132,000 |
| Tama, Iowa | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Clayton, Iowa | 1 | $ 675,000 | $ 675,000 | $ 343,000 |
Mortgage Loan Application Detail Totals for Atkins Savings Bank & Trust in 2023
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 | 35 | $6,005,000 | $171,000 | $675,000 | $115,000 | $343,000 |
| Cash-out Refinancing | 7 | $1,085,000 | $155,000 | $255,000 | $103,000 | $243,000 |
| Home Improvement | 4 | $420,000 | $105,000 | $245,000 | $92,000 | $162,000 |
| Other Purpose | 3 | $115,000 | $38,000 | $55,000 | $110,000 | $115,000 |
| Refinancing | 2 | $190,000 | $95,000 | $135,000 | $83,000 | $100,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 42 | $6,700,000 | $159,000 | $675,000 | $109,000 | $343,000 |
| Not applicable | 8 | $1,100,000 | $137,000 | $285,000 | $0 | $0 |
| Black or African American | 1 | $15,000 | $15,000 | $15,000 | $115,000 | $115,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 51 | $7,815,000 | $153,000 | $675,000 | $109,000 | $343,000 |
| 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 | 45 | $7,005,000 | $155,000 | $675,000 | $107,000 | $343,000 |
| Application Denied By Financial Institution | 3 | $515,000 | $171,000 | $275,000 | $80,000 | $84,000 |
| Application Withdrawn By Applicant | 2 | $200,000 | $100,000 | $125,000 | $127,000 | $163,000 |
| File Closed For Incompleteness | 1 | $95,000 | $95,000 | $95,000 | $243,000 | $243,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 51 | $7,815,000 | $153,000 | $675,000 | $109,000 | $343,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atkins Savings Bank & Trust's 2023 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 Atkins Savings Bank & Trust'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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