Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Two Rivers Bank & Trust of Burlington, IA reported 344 mortgage applications totaling $35.2 million, up 27% from 2010. The average application was for $102,223, and applicants reported an average income of $83,209. 80% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Des Moines-West Des Moines, IA (30), Iowa City, IA (25) and Davenport-Moline-Rock Island, IA-IL (5) (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 | 344 |
| Total Mortgage Loan Application Amount | $35,165,000 |
| Average Mortgage Loan Application Amount | $102,223 |
| Highest Mortgage Loan Application Amount | $3,450,000 |
| Average Applicant Income | $83,209 |
| Highest Applicant Income | $2,771,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 183 | $ 12,307,000 | $ 67,251 | $ 69,000 |
| Henry, Iowa | 57 | $ 4,464,000 | $ 78,315 | $ 57,000 |
| Polk, Iowa | 27 | $ 5,392,000 | $ 199,703 | $ 180,000 |
| Johnson, Iowa | 24 | $ 5,167,000 | $ 215,291 | $ 124,000 |
| Louisa, Iowa | 13 | $ 654,000 | $ 50,307 | $ 57,000 |
| Lee, Iowa | 10 | $ 702,000 | $ 70,200 | $ 55,000 |
| Scott, Iowa | 4 | $ 3,613,000 | $ 903,250 | $ 58,000 |
| Henderson, Illinois | 3 | $ 69,000 | $ 23,000 | $ 34,000 |
| Dallas, Iowa | 3 | $ 1,114,000 | $ 371,333 | $ 0 |
| Van Buren, Iowa | 3 | $ 118,000 | $ 39,333 | $ 50,000 |
| Broward, Florida | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Cedar, Iowa | 2 | $ 43,000 | $ 21,500 | $ 101,000 |
| Jefferson, Iowa | 2 | $ 122,000 | $ 61,000 | $ 26,000 |
| Linn, Iowa | 2 | $ 34,000 | $ 17,000 | $ 140,000 |
| Jefferson, Colorado | 1 | $ 228,000 | $ 228,000 | $ 101,000 |
| Lee, Florida | 1 | $ 150,000 | $ 150,000 | $ 267,000 |
| Fulton, Georgia | 1 | $ 158,000 | $ 158,000 | $ 595,000 |
| Cook, Illinois | 1 | $ 200,000 | $ 200,000 | $ 910,000 |
| Hancock, Illinois | 1 | $ 27,000 | $ 27,000 | $ 87,000 |
| Rock Island, Illinois | 1 | $ 99,000 | $ 99,000 | $ 141,000 |
| Washington, Iowa | 1 | $ 79,000 | $ 79,000 | $ 64,000 |
| Camden, Missouri | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| Waukesha, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 141 | $19,024,000 | $134,000 | $3,450,000 | $80,000 | $910,000 |
| Home Purchase | 121 | $13,229,000 | $109,000 | $950,000 | $102,000 | $2,771,000 |
| Home Improvement | 82 | $2,912,000 | $35,000 | $410,000 | $61,000 | $150,000 |
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 | 313 | $27,370,000 | $87,000 | $950,000 | $83,000 | $2,771,000 |
| Not applicable | 21 | $6,641,000 | $316,000 | $3,450,000 | $6,000 | $141,000 |
| Not Provided | 6 | $397,000 | $66,000 | $200,000 | $183,000 | $910,000 |
| Black or African American | 3 | $607,000 | $202,000 | $400,000 | $418,000 | $595,000 |
| Hispanic | 1 | $150,000 | $150,000 | $150,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 342 | $35,039,000 | $102,000 | $3,450,000 | $83,000 | $2,771,000 |
| FHA-insured (Federal Housing Administration) | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $51,000 | $51,000 | $51,000 | $33,000 | $33,000 |
| 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 | 275 | $28,390,000 | $103,000 | $3,450,000 | $89,000 | $2,771,000 |
| Application Denied By Financial Institution | 45 | $3,881,000 | $86,000 | $525,000 | $51,000 | $304,000 |
| Application Approved But Not Accepted | 16 | $2,256,000 | $141,000 | $408,000 | $76,000 | $240,000 |
| Application Withdrawn By Applicant | 8 | $638,000 | $79,000 | $181,000 | $63,000 | $149,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 17 | $1,855,000 | $109,000 | $525,000 | $60,000 | $304,000 |
| Credit History | 11 | $638,000 | $58,000 | $107,000 | $49,000 | $89,000 |
| Collateral | 4 | $611,000 | $152,000 | $417,000 | $60,000 | $141,000 |
| Other | 4 | $327,000 | $81,000 | $103,000 | $51,000 | $66,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $18,000 | $18,000 |
| 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 Two Rivers Bank & Trust's 2011 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About