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AMERICAN TRUST& SAVINGS BANK 895 MAIN STREET
DUBUQUE, 52001

2008 Mortgage Research	Grant	Wisconsin	US
Total Applications	47	75	699
Average Loan	$108.3k	$125.4k	$127.2k
Loan to Income Ratio	1.99	1.83	1.52
Subprime Loans	—	—	3.72%
Refinancing Loans	68.09%	64%	49.21%
Principal Dwellings	93.62%	90.67%	90.27%
Rejected Applications	6.38%	5.33%	5.29%

AMERICAN TRUST& SAVINGS BANK 895 MAIN STREETDUBUQUE, 52001