Lincoln Savings Bank Mortgage Lending & HMDA Data, 2019
In 2019, Lincoln Savings Bank of Reinbeck, IA reported 1,852 mortgage applications totaling $382.2 million, up 24% from 2018. The average application was for $206,376, and applicants reported an average income of $94,528. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Des Moines-West Des Moines, IA (1,264), Waterloo-Cedar Falls, IA (215) and Ames, IA (63) (applications in parentheses).
| Mortgage Company & Address | Lincoln Savings Bank 301 Washington St Reinbeck, IA 50669 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 1,852 |
| Total Mortgage Loan Application Amount | $382,210,000 |
| Average Mortgage Loan Application Amount | $206,376 |
| Highest Mortgage Loan Application Amount | $8,935,000 |
| Average Applicant Income | $94,528 |
| Highest Applicant Income | $1,485,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lincoln Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Des Moines-West Des Moines, IA | 1,264 | $ 267,870,000 | $ 211,922 | $ 94,000 |
| Outside any metro area | 234 | $ 45,780,000 | $ 195,641 | $ 75,675 |
| Waterloo-Cedar Falls, IA | 215 | $ 38,055,000 | $ 177,000 | $ 87,000 |
| Ames, IA | 63 | $ 13,485,000 | $ 214,047 | $ 89,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 4,010,000 | $ 250,625 | $ 302,000 |
| Cedar Rapids, IA | 15 | $ 2,805,000 | $ 187,000 | $ 127,000 |
| Kansas City, MO-KS | 7 | $ 1,525,000 | $ 217,857 | $ 82,428 |
| Iowa City, IA | 5 | $ 655,000 | $ 131,000 | $ 386,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 730,000 | $ 182,500 | $ 116,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 445,000 | $ 148,333 | $ 67,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 715,000 | $ 238,333 | $ 111,000 |
| Sioux City, IA-NE-SD | 3 | $ 395,000 | $ 131,666 | $ 59,000 |
| Springfield, MO | 2 | $ 560,000 | $ 280,000 | $ 85,000 |
| Boulder, CO | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Chicago-Naperville, IL | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Columbia, MO | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,205,000 | $ 1,205,000 | $ 202,000 |
| Decatur, IL | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Dubuque, IA | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 295,000 | $ 295,000 | $ 323,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 325,000 | $ 325,000 | $ 181,000 |
| Rapid City, SD | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Rochester, MN | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Sioux Falls, SD | 1 | $ 95,000 | $ 95,000 | $ 448,000 |
| St. Louis, MO-IL | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Topeka, KS | 1 | $ 335,000 | $ 335,000 | $ 0 |
Mortgage Loan Application Detail Totals for Lincoln Savings Bank in 2019
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 | 1,263 | $240,845,000 | $190,000 | $8,935,000 | $84,000 | $1,485,000 |
| Refinancing | 386 | $100,780,000 | $261,000 | $6,885,000 | $112,000 | $511,000 |
| Cash-out Refinancing | 195 | $34,815,000 | $178,000 | $935,000 | $126,000 | $881,000 |
| Home Improvement | 6 | $5,710,000 | $951,000 | $4,575,000 | $174,000 | $383,000 |
| Other Purpose | 2 | $60,000 | $30,000 | $45,000 | $64,000 | $98,000 |
| 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 | 1,508 | $294,820,000 | $195,000 | $2,005,000 | $97,000 | $881,000 |
| Not Provided | 119 | $22,695,000 | $190,000 | $825,000 | $98,000 | $1,485,000 |
| Hispanic | 82 | $10,760,000 | $131,000 | $355,000 | $55,000 | $178,000 |
| Asian | 61 | $10,385,000 | $170,000 | $455,000 | $70,000 | $307,000 |
| Not applicable | 58 | $39,020,000 | $672,000 | $8,935,000 | $0 | $0 |
| Black or African American | 19 | $3,575,000 | $188,000 | $335,000 | $93,000 | $234,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $460,000 | $230,000 | $375,000 | $68,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $60,000 | $60,000 |
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) | 1,388 | $300,240,000 | $216,000 | $8,935,000 | $105,000 | $1,485,000 |
| FHA-insured (Federal Housing Administration) | 265 | $41,245,000 | $155,000 | $455,000 | $58,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 139 | $31,925,000 | $229,000 | $555,000 | $73,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $8,800,000 | $146,000 | $325,000 | $56,000 | $121,000 |
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 | 1,452 | $285,240,000 | $196,000 | $3,925,000 | $95,000 | $1,485,000 |
| Application Approved But Not Accepted | 166 | $35,120,000 | $211,000 | $6,885,000 | $85,000 | $448,000 |
| Application Withdrawn By Applicant | 136 | $44,190,000 | $324,000 | $8,935,000 | $107,000 | $840,000 |
| Application Denied By Financial Institution | 65 | $9,755,000 | $150,000 | $355,000 | $58,000 | $168,000 |
| File Closed For Incompleteness | 32 | $7,830,000 | $244,000 | $1,205,000 | $112,000 | $471,000 |
| Loan Purchased By The Institution | 1 | $75,000 | $75,000 | $75,000 | $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 | 1,787 | $372,455,000 | $208,000 | $8,935,000 | $95,000 | $1,485,000 |
| Credit History | 29 | $4,465,000 | $153,000 | $335,000 | $70,000 | $168,000 |
| Debt-To-Income Ratio | 20 | $3,100,000 | $155,000 | $355,000 | $49,000 | $120,000 |
| Collateral | 10 | $1,280,000 | $128,000 | $225,000 | $53,000 | $105,000 |
| Other | 3 | $585,000 | $195,000 | $295,000 | $48,000 | $83,000 |
| Employment History | 3 | $325,000 | $108,000 | $125,000 | $18,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2019 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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