Dubuque Bank and Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Dubuque Bank and Trust Company of Dubuque, IA reported 4,289 mortgage applications totaling $857.2 million, down 37% from 2016. The average application was for $199,862, and applicants reported an average income of $89,534. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Dubuque, IA (390), Madison, WI (350) and Phoenix-Mesa-Scottsdale, AZ (270) (applications in parentheses).
| Mortgage Company & Address | Dubuque Bank and Trust Company 1398 Central Avenue Dubuque, IA 52001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,289 |
| Total Mortgage Loan Application Amount | $857,211,000 |
| Average Mortgage Loan Application Amount | $199,862 |
| Highest Mortgage Loan Application Amount | $2,060,000 |
| Average Applicant Income | $89,534 |
| Highest Applicant Income | $2,605,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dubuque Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 390 | $ 62,441,000 | $ 160,105 | $ 74,000 |
| Madison, WI | 350 | $ 72,946,000 | $ 208,417 | $ 91,000 |
| Phoenix-Mesa-Scottsdale, AZ | 270 | $ 62,048,000 | $ 229,807 | $ 98,000 |
| Albuquerque, NM | 262 | $ 50,481,000 | $ 192,675 | $ 87,000 |
| Billings, MT | 195 | $ 42,628,000 | $ 218,605 | $ 89,000 |
| Denver-Aurora-Lakewood, CO | 182 | $ 52,659,000 | $ 289,335 | $ 123,000 |
| Rockford, IL | 161 | $ 21,377,000 | $ 132,776 | $ 88,000 |
| Great Falls, MT | 120 | $ 21,213,000 | $ 176,775 | $ 72,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 101 | $ 22,225,000 | $ 220,049 | $ 103,940 |
| Santa Fe, NM | 100 | $ 28,143,000 | $ 281,430 | $ 130,000 |
| Sheboygan, WI | 97 | $ 12,957,000 | $ 133,577 | $ 71,000 |
| Kansas City, MO-KS | 74 | $ 13,190,000 | $ 178,243 | $ 93,081 |
| Missoula, MT | 73 | $ 17,867,000 | $ 244,753 | $ 88,000 |
| Reno, NV | 73 | $ 24,466,000 | $ 335,150 | $ 150,000 |
| Appleton, WI | 40 | $ 5,483,000 | $ 137,075 | $ 97,000 |
| Davenport-Moline-Rock Island, IA-IL | 39 | $ 6,086,000 | $ 156,051 | $ 82,564 |
| Milwaukee-Waukesha-West Allis, WI | 38 | $ 6,664,000 | $ 175,368 | $ 94,000 |
| Boulder, CO | 34 | $ 11,067,000 | $ 325,500 | $ 134,000 |
| Greeley, CO | 31 | $ 7,719,000 | $ 249,000 | $ 87,000 |
| Chicago-Naperville-Arlington Heights, IL | 25 | $ 5,074,000 | $ 202,960 | $ 167,000 |
| Janesville-Beloit, WI | 21 | $ 3,187,000 | $ 151,761 | $ 80,000 |
| Topeka, KS | 13 | $ 1,153,000 | $ 88,692 | $ 46,000 |
| Cedar Rapids, IA | 9 | $ 943,000 | $ 104,777 | $ 60,000 |
| Boise City, ID | 8 | $ 1,494,000 | $ 186,750 | $ 59,000 |
| Fresno, CA | 8 | $ 1,938,000 | $ 242,250 | $ 125,000 |
| Green Bay, WI | 8 | $ 2,345,000 | $ 293,125 | $ 224,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 1,497,000 | $ 187,125 | $ 63,000 |
| San Diego-Carlsbad, CA | 8 | $ 3,772,000 | $ 471,500 | $ 310,000 |
| Fort Collins, CO | 7 | $ 1,607,000 | $ 229,571 | $ 146,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 301,000 | $ 60,200 | $ 150,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,156,000 | $ 231,200 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,818,000 | $ 363,600 | $ 103,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,628,000 | $ 325,600 | $ 144,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 2,719,000 | $ 543,800 | $ 185,000 |
| Coeur D'Alene, ID | 4 | $ 849,000 | $ 212,250 | $ 106,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,234,000 | $ 558,500 | $ 95,000 |
| Des Moines-West Des Moines, IA | 4 | $ 858,000 | $ 214,500 | $ 96,000 |
| Elgin, IL | 4 | $ 699,000 | $ 174,750 | $ 212,000 |
| Madera, CA | 4 | $ 722,000 | $ 180,500 | $ 90,000 |
| Spokane-Spokane Valley, WA | 4 | $ 798,000 | $ 199,500 | $ 107,000 |
| St. Joseph, MO-KS | 4 | $ 484,000 | $ 121,000 | $ 47,750 |
| Austin-Round Rock, TX | 3 | $ 557,000 | $ 185,666 | $ 283,000 |
| Carson City, NV | 3 | $ 946,000 | $ 315,333 | $ 69,000 |
| Colorado Springs, CO | 3 | $ 505,000 | $ 168,333 | $ 101,000 |
| Fond Du Lac, WI | 3 | $ 341,000 | $ 113,666 | $ 71,000 |
| Fort Worth-Arlington, TX | 3 | $ 376,000 | $ 125,333 | $ 67,000 |
| Pittsburgh, PA | 3 | $ 324,000 | $ 108,000 | $ 66,000 |
| Prescott, AZ | 3 | $ 599,000 | $ 199,666 | $ 219,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 777,000 | $ 259,000 | $ 73,000 |
| St. Louis, MO-IL | 3 | $ 466,000 | $ 155,333 | $ 125,333 |
| Tucson, AZ | 3 | $ 836,000 | $ 278,666 | $ 190,000 |
| Wichita, KS | 3 | $ 735,000 | $ 245,000 | $ 52,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,196,000 | $ 598,000 | $ 175,000 |
| Casper, WY | 2 | $ 619,000 | $ 309,500 | $ 62,000 |
| Eau Claire, WI | 2 | $ 337,000 | $ 168,500 | $ 25,000 |
| Killeen-Temple, TX | 2 | $ 172,000 | $ 86,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 245,000 | $ 122,500 | $ 124,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 650,000 | $ 325,000 | $ 262,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Salinas, CA | 2 | $ 1,726,000 | $ 863,000 | $ 183,000 |
| San Rafael, CA | 2 | $ 600,000 | $ 300,000 | $ 68,000 |
| St. Cloud, MN | 2 | $ 387,000 | $ 193,500 | $ 117,000 |
| Waco, TX | 2 | $ 198,000 | $ 99,000 | $ 44,000 |
| Amarillo, TX | 1 | $ 209,000 | $ 209,000 | $ 115,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 272,000 | $ 272,000 | $ 122,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Bakersfield, CA | 1 | $ 216,000 | $ 216,000 | $ 21,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 504,000 | $ 504,000 | $ 387,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 160,000 | $ 160,000 | $ 115,000 |
| Charleston-North Charleston, SC | 1 | $ 424,000 | $ 424,000 | $ 472,000 |
| Cincinnati, OH-KY-IN | 1 | $ 389,000 | $ 389,000 | $ 94,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 413,000 | $ 413,000 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Dover, DE | 1 | $ 133,000 | $ 133,000 | $ 41,000 |
| Fairbanks, AK | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Farmington, NM | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Fort Smith, AR-OK | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Gainesville, FL | 1 | $ 220,000 | $ 220,000 | $ 114,000 |
| Grand Junction, CO | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 165,000 | $ 165,000 | $ 240,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 351,000 | $ 351,000 | $ 200,000 |
| Huntsville, AL | 1 | $ 177,000 | $ 177,000 | $ 129,000 |
| Iowa City, IA | 1 | $ 283,000 | $ 283,000 | $ 230,000 |
| Jacksonville, FL | 1 | $ 288,000 | $ 288,000 | $ 70,000 |
| Knoxville, TN | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 102,000 | $ 102,000 | $ 126,000 |
| Lakeland-Winter Haven, FL | 1 | $ 133,000 | $ 133,000 | $ 35,000 |
| Las Cruces, NM | 1 | $ 136,000 | $ 136,000 | $ 42,000 |
| Lawrence, KS | 1 | $ 239,000 | $ 239,000 | $ 58,000 |
| Lincoln, NE | 1 | $ 286,000 | $ 286,000 | $ 89,000 |
| Manhattan, KS | 1 | $ 59,000 | $ 59,000 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 242,000 | $ 242,000 | $ 367,000 |
| Midland, TX | 1 | $ 184,000 | $ 184,000 | $ 104,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 243,000 | $ 243,000 | $ 72,000 |
| Ogden-Clearfield, UT | 1 | $ 200,000 | $ 200,000 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 144,000 | $ 144,000 | $ 84,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 119,000 | $ 119,000 | $ 62,000 |
| Providence-Warwick, RI-MA | 1 | $ 424,000 | $ 424,000 | $ 219,000 |
| Provo-Orem, UT | 1 | $ 332,000 | $ 332,000 | $ 134,000 |
| Pueblo, CO | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| Punta Gorda, FL | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Racine, WI | 1 | $ 157,000 | $ 157,000 | $ 85,000 |
| Rochester, MN | 1 | $ 234,000 | $ 234,000 | $ 129,000 |
| Salem, OR | 1 | $ 152,000 | $ 152,000 | $ 48,000 |
| San Antonio-New Braunfels, TX | 1 | $ 313,000 | $ 313,000 | $ 341,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 486,000 | $ 486,000 | $ 109,000 |
| Savannah, GA | 1 | $ 280,000 | $ 280,000 | $ 395,000 |
| Sebastian-Vero Beach, FL | 1 | $ 184,000 | $ 184,000 | $ 40,000 |
| Sioux Falls, SD | 1 | $ 237,000 | $ 237,000 | $ 123,000 |
| Stockton-Lodi, CA | 1 | $ 224,000 | $ 224,000 | $ 50,000 |
| Tacoma-Lakewood, WA | 1 | $ 203,000 | $ 203,000 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 133,000 | $ 133,000 | $ 64,000 |
| Valdosta, GA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 290,000 | $ 290,000 | $ 66,000 |
| Wichita Falls, TX | 1 | $ 182,000 | $ 182,000 | $ 60,000 |
| York-Hanover, PA | 1 | $ 100,000 | $ 100,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Dubuque Bank and Trust Company in 2017
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 | 2,909 | $589,731,000 | $202,000 | $2,060,000 | $89,000 | $2,605,000 |
| Refinancing | 1,188 | $246,237,000 | $207,000 | $2,000,000 | $94,000 | $1,447,000 |
| Home Improvement | 192 | $21,243,000 | $110,000 | $1,500,000 | $70,000 | $461,000 |
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 | 3,519 | $707,805,000 | $201,000 | $2,000,000 | $93,000 | $2,605,000 |
| Not Provided | 293 | $59,539,000 | $203,000 | $2,000,000 | $96,000 | $1,064,000 |
| Hispanic | 256 | $44,254,000 | $172,000 | $424,000 | $70,000 | $213,000 |
| Not applicable | 84 | $17,857,000 | $212,000 | $2,060,000 | $0 | $0 |
| Asian | 59 | $14,238,000 | $241,000 | $1,500,000 | $115,000 | $504,000 |
| Black or African American | 57 | $9,163,000 | $160,000 | $370,000 | $70,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,349,000 | $213,000 | $438,000 | $80,000 | $203,000 |
| American Indian or Alaskan Native | 10 | $2,006,000 | $200,000 | $409,000 | $75,000 | $127,000 |
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) | 3,297 | $674,479,000 | $204,000 | $2,060,000 | $100,000 | $2,605,000 |
| FHA-insured (Federal Housing Administration) | 527 | $86,116,000 | $163,000 | $480,000 | $56,000 | $482,000 |
| VA-guaranteed (Veterans Administration) | 326 | $74,571,000 | $228,000 | $628,000 | $59,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 139 | $22,045,000 | $158,000 | $500,000 | $58,000 | $725,000 |
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 | 3,297 | $669,123,000 | $202,000 | $2,060,000 | $92,000 | $2,605,000 |
| Application Denied By Financial Institution | 539 | $102,884,000 | $190,000 | $2,000,000 | $77,000 | $1,447,000 |
| Application Approved But Not Accepted | 317 | $61,180,000 | $192,000 | $960,000 | $104,000 | $978,000 |
| Application Withdrawn By Applicant | 63 | $13,085,000 | $207,000 | $645,000 | $99,000 | $638,000 |
| Loan Purchased By The Institution | 51 | $7,533,000 | $147,000 | $423,000 | $0 | $0 |
| File Closed For Incompleteness | 22 | $3,406,000 | $154,000 | $424,000 | $67,000 | $257,000 |
| 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 Dubuque Bank and Trust Company's 2017 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 Dubuque Bank and Trust Company'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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