Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Two Rivers Bank & Trust of Burlington, IA reported 433 mortgage applications totaling $57.3 million, up 51% from 2012. The average application was for $132,300, and applicants reported an average income of $70,039. 75% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Des Moines-West Des Moines, IA (45), Iowa City, IA (42) and Davenport-Moline-Rock Island, IA-IL (6) (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 | 433 |
| Total Mortgage Loan Application Amount | $57,286,000 |
| Average Mortgage Loan Application Amount | $132,300 |
| Highest Mortgage Loan Application Amount | $3,336,000 |
| Average Applicant Income | $70,039 |
| Highest Applicant Income | $958,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 207 | $ 18,988,000 | $ 91,729 | $ 61,000 |
| Henry, Iowa | 75 | $ 6,876,000 | $ 91,680 | $ 58,000 |
| Johnson, Iowa | 38 | $ 7,926,000 | $ 208,578 | $ 148,000 |
| Polk, Iowa | 36 | $ 13,287,000 | $ 369,083 | $ 52,000 |
| Lee, Iowa | 19 | $ 1,690,000 | $ 88,947 | $ 50,000 |
| Louisa, Iowa | 10 | $ 1,030,000 | $ 103,000 | $ 62,000 |
| Dallas, Iowa | 8 | $ 2,433,000 | $ 304,125 | $ 128,000 |
| Henderson, Illinois | 4 | $ 197,000 | $ 49,250 | $ 26,000 |
| Scott, Iowa | 4 | $ 582,000 | $ 145,500 | $ 7,000 |
| Washington, Iowa | 4 | $ 392,000 | $ 98,000 | $ 48,000 |
| Pima, Arizona | 2 | $ 117,000 | $ 58,500 | $ 24,000 |
| Hancock, Illinois | 2 | $ 75,000 | $ 37,500 | $ 35,000 |
| Cerro Gordo, Iowa | 2 | $ 223,000 | $ 111,500 | $ 252,000 |
| Marshall, Iowa | 2 | $ 319,000 | $ 159,500 | $ 80,000 |
| Van Buren, Iowa | 2 | $ 314,000 | $ 157,000 | $ 57,000 |
| Ottawa, Michigan | 2 | $ 447,000 | $ 223,500 | $ 155,000 |
| Maricopa, Arizona | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| District of Columbia, District Of Columbia | 1 | $ 500,000 | $ 500,000 | $ 153,000 |
| Henry, Illinois | 1 | $ 177,000 | $ 177,000 | $ 73,000 |
| Rock Island, Illinois | 1 | $ 41,000 | $ 41,000 | $ 9,000 |
| Warren, Illinois | 1 | $ 15,000 | $ 15,000 | $ 140,000 |
| Clayton, Iowa | 1 | $ 72,000 | $ 72,000 | $ 125,000 |
| Jefferson, Iowa | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Jones, Iowa | 1 | $ 410,000 | $ 410,000 | $ 179,000 |
| Linn, Iowa | 1 | $ 21,000 | $ 21,000 | $ 63,000 |
| Marion, Iowa | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Muscatine, Iowa | 1 | $ 349,000 | $ 349,000 | $ 72,000 |
| Wapello, Iowa | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Warren, Iowa | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
| Anoka, Minnesota | 1 | $ 110,000 | $ 110,000 | $ 149,000 |
| Washington, Minnesota | 1 | $ 23,000 | $ 23,000 | $ 168,000 |
| Sarpy, Nebraska | 1 | $ 92,000 | $ 92,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2013
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 | 192 | $26,344,000 | $137,000 | $674,000 | $66,000 | $623,000 |
| Refinancing | 179 | $29,269,000 | $163,000 | $3,336,000 | $73,000 | $958,000 |
| Home Improvement | 62 | $1,673,000 | $26,000 | $174,000 | $74,000 | $312,000 |
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 | 361 | $39,628,000 | $109,000 | $635,000 | $77,000 | $623,000 |
| Not applicable | 49 | $15,649,000 | $319,000 | $3,336,000 | $0 | $0 |
| Hispanic | 8 | $700,000 | $87,000 | $140,000 | $192,000 | $958,000 |
| Not Provided | 7 | $626,000 | $89,000 | $160,000 | $67,000 | $130,000 |
| Black or African American | 4 | $286,000 | $71,000 | $171,000 | $44,000 | $97,000 |
| Asian | 3 | $275,000 | $91,000 | $175,000 | $55,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $122,000 | $122,000 | $122,000 | $58,000 | $58,000 |
| American Indian or Alaskan Native | 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) | 427 | $56,370,000 | $132,000 | $3,336,000 | $69,000 | $958,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $313,000 | $78,000 | $122,000 | $63,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 1 | $50,000 | $50,000 | $50,000 | $31,000 | $31,000 |
| FHA-insured (Federal Housing Administration) | 1 | $553,000 | $553,000 | $553,000 | $565,000 | $565,000 |
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 | 324 | $44,933,000 | $138,000 | $3,336,000 | $73,000 | $958,000 |
| Application Denied By Financial Institution | 68 | $7,574,000 | $111,000 | $410,000 | $59,000 | $250,000 |
| Application Withdrawn By Applicant | 27 | $2,880,000 | $106,000 | $360,000 | $51,000 | $156,000 |
| Application Approved But Not Accepted | 14 | $1,899,000 | $135,000 | $325,000 | $100,000 | $204,000 |
| 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 | 24 | $2,451,000 | $102,000 | $410,000 | $47,000 | $179,000 |
| Credit History | 23 | $1,463,000 | $63,000 | $167,000 | $42,000 | $67,000 |
| Collateral | 10 | $1,796,000 | $179,000 | $396,000 | $105,000 | $250,000 |
| Employment History | 3 | $468,000 | $156,000 | $198,000 | $75,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $380,000 | $126,000 | $170,000 | $68,000 | $100,000 |
| Mortgage Insurance Denied | 2 | $406,000 | $203,000 | $275,000 | $109,000 | $155,000 |
| Other | 2 | $482,000 | $241,000 | $360,000 | $92,000 | $150,000 |
| Unverifiable Information | 1 | $128,000 | $128,000 | $128,000 | $44,000 | $44,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Two Rivers Bank & Trust's 2013 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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