Hiawatha Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, Hiawatha Bank & Trust Company of Hiawatha, IA reported 46 mortgage applications totaling $7.4 million. The average application was for $160,217, and applicants reported an average income of $143,413. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Cedar Rapids, IA (36), Iowa City, IA (3) and Green Bay, WI (1) (applications in parentheses).
| Mortgage Company & Address | Hiawatha Bank & Trust Company 253 Broadway Hiawatha, IA 52233 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 46 |
| Total Mortgage Loan Application Amount | $7,370,000 |
| Average Mortgage Loan Application Amount | $160,217 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $143,413 |
| Highest Applicant Income | $356,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hiawatha Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Linn, Iowa | 33 | $ 4,725,000 | $ 143,181 | $ 147,000 |
| Johnson, Iowa | 3 | $ 685,000 | $ 228,333 | $ 133,000 |
| Benton, Iowa | 2 | $ 510,000 | $ 255,000 | $ 80,000 |
| Buchanan, Iowa | 2 | $ 450,000 | $ 225,000 | $ 157,000 |
| Delaware, Iowa | 2 | $ 190,000 | $ 95,000 | $ 64,000 |
| Bay, Florida | 1 | $ 375,000 | $ 375,000 | $ 356,000 |
| Henry, Iowa | 1 | $ 135,000 | $ 135,000 | $ 124,000 |
| Jones, Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Oconto, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hiawatha Bank & Trust Company 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 | 24 | $4,830,000 | $201,000 | $985,000 | $173,000 | $356,000 |
| Refinancing | 15 | $1,735,000 | $115,000 | $205,000 | $113,000 | $251,000 |
| Other Purpose | 5 | $725,000 | $145,000 | $505,000 | $116,000 | $170,000 |
| Home Improvement | 2 | $80,000 | $40,000 | $55,000 | $85,000 | $85,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 25 | $4,225,000 | $169,000 | $985,000 | $139,000 | $356,000 |
| Not applicable | 19 | $2,985,000 | $157,000 | $505,000 | $0 | $0 |
| Not Provided | 2 | $160,000 | $80,000 | $85,000 | $231,000 | $237,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 46 | $7,370,000 | $160,000 | $985,000 | $146,000 | $356,000 |
| 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 | 46 | $7,370,000 | $160,000 | $985,000 | $146,000 | $356,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 46 | $7,370,000 | $160,000 | $985,000 | $146,000 | $356,000 |
| 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 Hiawatha Bank & Trust Company'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 Hiawatha Bank & 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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