Lincoln Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Lincoln Savings Bank 2020 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 | Lincoln Savings Bank 301 Washington St Reinbeck, IA 50613 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 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 | 3,135 |
| Total Mortgage Loan Application Amount | $738,545,000 |
| Average Mortgage Loan Application Amount | $260,500 |
| Highest Mortgage Loan Application Amount | $33,005,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $2,191,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Lincoln Savings Bank. 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 Lincoln Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Lincoln Savings Bank'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 Lincoln Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Lincoln Savings Bank, 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 Lincoln Savings Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Polk County Iowa | 1,463 | $ 334,875,000 | $ 228,000 | $ 101,000 |
| Dallas County Iowa | 427 | $ 109,995,000 | $ 257,000 | $ 123,000 |
| Black Hawk County Iowa | 270 | $ 57,420,000 | $ 212,000 | $ 91,000 |
| Warren County Iowa | 144 | $ 33,450,000 | $ 232,000 | $ 111,000 |
| Grundy County Iowa | 94 | $ 15,210,000 | $ 161,000 | $ 85,000 |
| Story County Iowa | 81 | $ 18,385,000 | $ 226,000 | $ 93,000 |
| Butler County Iowa | 63 | $ 9,705,000 | $ 154,000 | $ 74,000 |
| Tama County Iowa | 48 | $ 5,730,000 | $ 119,000 | $ 69,000 |
| Jasper County Iowa | 46 | $ 7,670,000 | $ 166,000 | $ 77,000 |
| Madison County Iowa | 37 | $ 7,725,000 | $ 208,000 | $ 87,000 |
| Boone County Iowa | 34 | $ 7,540,000 | $ 221,000 | $ 77,000 |
| Bremer County Iowa | 33 | $ 7,165,000 | $ 217,000 | $ 94,000 |
| Marion County Iowa | 30 | $ 5,460,000 | $ 182,000 | $ 70,000 |
| Poweshiek County Iowa | 28 | $ 5,190,000 | $ 185,000 | $ 94,000 |
| Guthrie County Iowa | 17 | $ 3,925,000 | $ 230,000 | $ 109,000 |
| Maricopa County Arizona | 12 | $ 3,520,000 | $ 293,000 | $ 154,000 |
| Marshall County Iowa | 12 | $ 2,510,000 | $ 209,000 | $ 79,000 |
| Floyd County Iowa | 11 | $ 1,685,000 | $ 153,000 | $ 60,000 |
| Appanoose County Iowa | 10 | $ 1,510,000 | $ 151,000 | $ 86,000 |
| Cerro Gordo County Iowa | 10 | $ 3,670,000 | $ 367,000 | $ 182,000 |
| Clarke County Iowa | 10 | $ 1,790,000 | $ 179,000 | $ 68,000 |
| Linn County Iowa | 10 | $ 3,360,000 | $ 336,000 | $ 183,000 |
| Johnson County Kansas | 10 | $ 3,920,000 | $ 392,000 | $ 273,000 |
| Linn County Missouri | 10 | $ 1,830,000 | $ 183,000 | $ 113,000 |
| Chickasaw County Iowa | 8 | $ 950,000 | $ 118,000 | $ 47,000 |
| Hardin County Iowa | 8 | $ 1,700,000 | $ 212,000 | $ 100,000 |
| Cass County Iowa | 7 | $ 965,000 | $ 137,000 | $ 56,000 |
| Webster County Iowa | 7 | $ 1,695,000 | $ 242,000 | $ 114,000 |
| Clay County Missouri | 7 | $ 1,675,000 | $ 239,000 | $ 118,000 |
| Sullivan County Missouri | 7 | $ 1,975,000 | $ 282,000 | $ 111,000 |
| Pitkin County Colorado | 5 | $ 4,115,000 | $ 823,000 | $ 403,000 |
| Brevard County Florida | 5 | $ 1,115,000 | $ 223,000 | $ 150,000 |
| Buchanan County Iowa | 5 | $ 625,000 | $ 125,000 | $ 96,000 |
| Sac County Iowa | 5 | $ 1,065,000 | $ 213,000 | $ 126,000 |
| Scott County Iowa | 5 | $ 1,165,000 | $ 233,000 | $ 97,000 |
| Stone County Missouri | 5 | $ 1,385,000 | $ 277,000 | $ 121,000 |
| Dickinson County Iowa | 4 | $ 1,320,000 | $ 330,000 | $ 189,000 |
| Fayette County Iowa | 4 | $ 320,000 | $ 80,000 | $ 65,000 |
| Lucas County Iowa | 4 | $ 530,000 | $ 132,000 | $ 58,000 |
| Page County Iowa | 4 | $ 490,000 | $ 122,000 | $ 91,000 |
| Jackson County Missouri | 4 | $ 1,260,000 | $ 315,000 | $ 223,000 |
| Platte County Missouri | 4 | $ 1,110,000 | $ 277,000 | $ 270,000 |
| St. Charles County Missouri | 4 | $ 880,000 | $ 220,000 | $ 98,000 |
| Iowa County Iowa | 3 | $ 465,000 | $ 155,000 | $ 41,000 |
| Johnson County Iowa | 3 | $ 505,000 | $ 168,000 | $ 303,000 |
| Mahaska County Iowa | 3 | $ 635,000 | $ 211,000 | $ 63,000 |
| Ringgold County Iowa | 3 | $ 885,000 | $ 295,000 | $ 392,000 |
| Wapello County Iowa | 3 | $ 275,000 | $ 91,000 | $ 31,000 |
| Adair County Missouri | 3 | $ 455,000 | $ 151,000 | $ 102,000 |
| Taney County Missouri | 3 | $ 325,000 | $ 108,000 | $ 58,000 |
| Clear Creek County Colorado | 2 | $ 870,000 | $ 435,000 | $ 168,000 |
| El Paso County Colorado | 2 | $ 590,000 | $ 295,000 | $ 148,000 |
| Hillsborough County Florida | 2 | $ 1,030,000 | $ 515,000 | $ 158,000 |
| Lee County Florida | 2 | $ 640,000 | $ 320,000 | $ 132,000 |
| Hancock County Illinois | 2 | $ 380,000 | $ 190,000 | $ 154,000 |
| Adair County Iowa | 2 | $ 300,000 | $ 150,000 | $ 35,000 |
| Audubon County Iowa | 2 | $ 250,000 | $ 125,000 | $ 47,000 |
| Benton County Iowa | 2 | $ 320,000 | $ 160,000 | $ 93,000 |
| Carroll County Iowa | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Clinton County Iowa | 2 | $ 560,000 | $ 280,000 | $ 103,000 |
| Decatur County Iowa | 2 | $ 330,000 | $ 165,000 | $ 34,000 |
| Franklin County Iowa | 2 | $ 290,000 | $ 145,000 | $ 79,000 |
| Hamilton County Iowa | 2 | $ 500,000 | $ 250,000 | $ 78,000 |
| Muscatine County Iowa | 2 | $ 300,000 | $ 150,000 | $ 132,000 |
| Union County Iowa | 2 | $ 630,000 | $ 315,000 | $ 224,000 |
| Wayne County Iowa | 2 | $ 200,000 | $ 100,000 | $ 67,000 |
| Winnebago County Iowa | 2 | $ 260,000 | $ 130,000 | $ 73,000 |
| Franklin County Kansas | 2 | $ 250,000 | $ 125,000 | $ 53,000 |
| Cass County Minnesota | 2 | $ 730,000 | $ 365,000 | $ 162,000 |
| Dakota County Minnesota | 2 | $ 710,000 | $ 355,000 | $ 108,000 |
| Hennepin County Minnesota | 2 | $ 33,520,000 | $ 16,760,000 | $ 162,000 |
| Koochiching County Minnesota | 2 | $ 750,000 | $ 375,000 | $ 213,000 |
| Olmsted County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 99,000 |
| Washington County Minnesota | 2 | $ 640,000 | $ 320,000 | $ 108,000 |
| Daviess County Missouri | 2 | $ 350,000 | $ 175,000 | $ 76,000 |
| Greene County Missouri | 2 | $ 250,000 | $ 125,000 | $ 243,000 |
| Crawford County Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 81,000 |
| Sauk County Wisconsin | 2 | $ 620,000 | $ 310,000 | $ 104,000 |
| Pinal County Arizona | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| El Dorado County California | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| San Diego County California | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Solano County California | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Arapahoe County Colorado | 1 | $ 245,000 | $ 245,000 | $ 241,000 |
| Douglas County Colorado | 1 | $ 435,000 | $ 435,000 | $ 170,000 |
| Jefferson County Colorado | 1 | $ 385,000 | $ 385,000 | $ 165,000 |
| Larimer County Colorado | 1 | $ 345,000 | $ 345,000 | $ 63,000 |
| Manatee County Florida | 1 | $ 515,000 | $ 515,000 | $ 212,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Sarasota County Florida | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Seminole County Florida | 1 | $ 385,000 | $ 385,000 | $ 100,000 |
| Cook County Illinois | 1 | $ 235,000 | $ 235,000 | $ 600,000 |
| Dubuque County Iowa | 1 | $ 365,000 | $ 365,000 | $ 91,000 |
| Greene County Iowa | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Hancock County Iowa | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Keokuk County Iowa | 1 | $ 245,000 | $ 245,000 | $ 152,000 |
| Louisa County Iowa | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Palo Alto County Iowa | 1 | $ 205,000 | $ 205,000 | $ 213,000 |
| Pottawattamie County Iowa | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Van Buren County Iowa | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Leavenworth County Kansas | 1 | $ 425,000 | $ 425,000 | $ 96,000 |
| Aitkin County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
| Brown County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 915,000 |
| Itasca County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Le Sueur County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Sherburne County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| St. Louis County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Winona County Minnesota | 1 | $ 475,000 | $ 475,000 | $ 132,000 |
| Caldwell County Missouri | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Camden County Missouri | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Christian County Missouri | 1 | $ 315,000 | $ 315,000 | $ 152,000 |
| Clinton County Missouri | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Hickory County Missouri | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Lincoln County Missouri | 1 | $ 275,000 | $ 275,000 | $ 109,000 |
| Miller County Missouri | 1 | $ 295,000 | $ 295,000 | $ 401,000 |
| Montgomery County Missouri | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Putnam County Missouri | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Douglas County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 168,000 |
| Sarpy County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Allegheny County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Lincoln County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Harris County Texas | 1 | $ 305,000 | $ 305,000 | $ 84,000 |
| Spokane County Washington | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Green County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 167,000 |
| St. Croix County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for Lincoln Savings Bank in 2020
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 | 1,473 | $299,165,000 | $203,000 | $4,335,000 | $86,000 | $848,000 |
| Refinancing | 1,323 | $362,665,000 | $274,000 | $33,005,000 | $120,000 | $2,191,000 |
| Cash-out Refinancing | 329 | $73,285,000 | $222,000 | $675,000 | $119,000 | $1,727,000 |
| Home Improvement | 10 | $3,430,000 | $343,000 | $945,000 | $47,000 | $73,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 2,637 | $569,695,000 | $216,000 | $3,055,000 | $107,000 | $2,191,000 |
| Not Provided | 189 | $39,165,000 | $207,000 | $545,000 | $102,000 | $450,000 |
| Hispanic | 105 | $17,615,000 | $167,000 | $455,000 | $66,000 | $273,000 |
| Asian | 71 | $13,805,000 | $194,000 | $425,000 | $78,000 | $219,000 |
| Not applicable | 70 | $85,240,000 | $1,217,000 | $33,005,000 | $0 | $0 |
| Black or African American | 54 | $11,260,000 | $208,000 | $425,000 | $79,000 | $221,000 |
| American Indian or Alaskan Native | 4 | $970,000 | $242,000 | $485,000 | $137,000 | $337,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $67,000 | $67,000 |
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) | 2,594 | $631,620,000 | $243,000 | $33,005,000 | $111,000 | $2,191,000 |
| FHA-insured (Federal Housing Administration) | 294 | $48,780,000 | $165,000 | $335,000 | $59,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 167 | $46,595,000 | $279,000 | $955,000 | $103,000 | $700,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $11,550,000 | $144,000 | $295,000 | $52,000 | $114,000 |
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 | 2,322 | $563,290,000 | $242,000 | $33,005,000 | $104,000 | $2,191,000 |
| Application Withdrawn By Applicant | 424 | $91,200,000 | $215,000 | $1,295,000 | $112,000 | $1,476,000 |
| Application Approved But Not Accepted | 165 | $36,835,000 | $223,000 | $3,055,000 | $94,000 | $440,000 |
| Application Denied By Financial Institution | 116 | $24,870,000 | $214,000 | $1,485,000 | $83,000 | $762,000 |
| File Closed For Incompleteness | 108 | $22,350,000 | $206,000 | $875,000 | $103,000 | $700,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,019 | $713,675,000 | $236,000 | $33,005,000 | $105,000 | $2,191,000 |
| Credit History | 41 | $8,665,000 | $211,000 | $1,485,000 | $66,000 | $161,000 |
| Debt-To-Income Ratio | 34 | $8,200,000 | $241,000 | $975,000 | $63,000 | $262,000 |
| Collateral | 31 | $6,425,000 | $207,000 | $675,000 | $135,000 | $762,000 |
| Other | 5 | $915,000 | $183,000 | $225,000 | $60,000 | $82,000 |
| Employment History | 4 | $520,000 | $130,000 | $235,000 | $41,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lincoln Savings Bank's 2020 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 Lincoln Savings Bank'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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