Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Two Rivers Bank & Trust of Burlington, IA reported 364 mortgage applications totaling $56.3 million, up 9% from 2024. The average application was for $154,532, and applicants reported an average income of $119,928. 68% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Iowa City, IA (35), Des Moines-West Des Moines, IA (22) and Cedar Rapids, IA (4) (applications in parentheses).
| Mortgage Company & Address | Two Rivers Bank & Trust 222 N. Main St Burlington, IA 52601 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 2008 2007 2006 |
| Total Number of Mortgage Applications | 364 |
| Total Mortgage Loan Application Amount | $56,250,000 |
| Average Mortgage Loan Application Amount | $154,532 |
| Highest Mortgage Loan Application Amount | $2,495,000 |
| Average Applicant Income | $119,928 |
| Highest Applicant Income | $5,040,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Des Moines, Iowa | 124 | $ 13,110,000 | $ 105,725 | $ 103,000 |
| Lee, Iowa | 90 | $ 7,490,000 | $ 83,222 | $ 93,000 |
| Henry, Iowa | 36 | $ 4,140,000 | $ 115,000 | $ 94,000 |
| Johnson, Iowa | 29 | $ 10,925,000 | $ 376,724 | $ 608,000 |
| Polk, Iowa | 15 | $ 3,275,000 | $ 218,333 | $ 164,000 |
| Hancock, Illinois | 13 | $ 785,000 | $ 60,384 | $ 88,000 |
| Louisa, Iowa | 10 | $ 1,370,000 | $ 137,000 | $ 90,000 |
| Washington, Iowa | 6 | $ 1,870,000 | $ 311,666 | $ 141,000 |
| Dallas, Iowa | 5 | $ 2,375,000 | $ 475,000 | $ 335,000 |
| Henderson, Illinois | 4 | $ 230,000 | $ 57,500 | $ 122,000 |
| Linn, Iowa | 4 | $ 670,000 | $ 167,500 | $ 64,000 |
| Clark, Missouri | 4 | $ 1,200,000 | $ 300,000 | $ 77,000 |
| Jefferson, Iowa | 3 | $ 295,000 | $ 98,333 | $ 62,000 |
| Muscatine, Iowa | 3 | $ 1,575,000 | $ 525,000 | $ 73,000 |
| Van Buren, Iowa | 3 | $ 185,000 | $ 61,666 | $ 88,000 |
| Iowa, Iowa | 2 | $ 550,000 | $ 275,000 | $ 76,000 |
| Scott, Iowa | 2 | $ 1,480,000 | $ 740,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 2,495,000 | $ 2,495,000 | $ 0 |
| McDonough, Illinois | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Mercer, Illinois | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Madison, Iowa | 1 | $ 335,000 | $ 335,000 | $ 291,000 |
| Marion, Iowa | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Ringgold, Iowa | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sioux, Iowa | 1 | $ 265,000 | $ 265,000 | $ 137,000 |
| Tama, Iowa | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Warren, Iowa | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Camden, Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 715,000 | $ 715,000 | $ 642,000 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2025
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 | 149 | $32,855,000 | $220,000 | $2,495,000 | $111,000 | $715,000 |
| Refinancing | 105 | $19,415,000 | $184,000 | $1,415,000 | $113,000 | $960,000 |
| Home Improvement | 62 | $1,860,000 | $30,000 | $95,000 | $167,000 | $5,040,000 |
| Other Purpose | 48 | $2,120,000 | $44,000 | $345,000 | $102,000 | $516,000 |
| 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 | 277 | $31,315,000 | $113,000 | $805,000 | $118,000 | $5,040,000 |
| Not applicable | 47 | $17,745,000 | $377,000 | $2,495,000 | $0 | $0 |
| Not Provided | 21 | $3,595,000 | $171,000 | $755,000 | $156,000 | $960,000 |
| Hispanic | 9 | $1,455,000 | $161,000 | $525,000 | $160,000 | $516,000 |
| Asian | 4 | $1,610,000 | $402,000 | $525,000 | $121,000 | $151,000 |
| Black or African American | 4 | $340,000 | $85,000 | $145,000 | $104,000 | $181,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $165,000 | $60,000 | $69,000 |
| 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) | 364 | $56,250,000 | $154,000 | $2,495,000 | $121,000 | $5,040,000 |
| 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 | 247 | $40,965,000 | $165,000 | $2,495,000 | $108,000 | $715,000 |
| Application Withdrawn By Applicant | 49 | $8,815,000 | $179,000 | $805,000 | $115,000 | $960,000 |
| Application Denied By Financial Institution | 48 | $4,300,000 | $89,000 | $1,255,000 | $186,000 | $5,040,000 |
| Application Approved But Not Accepted | 13 | $1,355,000 | $104,000 | $495,000 | $96,000 | $151,000 |
| File Closed For Incompleteness | 7 | $815,000 | $116,000 | $345,000 | $148,000 | $516,000 |
| 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 | 316 | $51,950,000 | $164,000 | $2,495,000 | $110,000 | $960,000 |
| Credit History | 31 | $1,885,000 | $60,000 | $325,000 | $240,000 | $5,040,000 |
| Debt-To-Income Ratio | 11 | $845,000 | $76,000 | $515,000 | $61,000 | $177,000 |
| Collateral | 4 | $270,000 | $67,000 | $125,000 | $141,000 | $218,000 |
| Other | 2 | $1,300,000 | $650,000 | $1,255,000 | $52,000 | $52,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Two Rivers Bank & Trust's 2025 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 Two Rivers Bank & Trust'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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with aggregated HMDA statistics today.
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