Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Two Rivers Bank & Trust of Burlington, IA reported 470 mortgage applications totaling $72.3 million, up 9% from 2013. The average application was for $153,865, and applicants reported an average income of $87,393. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Des Moines-West Des Moines, IA (50), Iowa City, IA (34) and Davenport-Moline-Rock Island, IA-IL (8) (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 | 470 |
| Total Mortgage Loan Application Amount | $72,317,000 |
| Average Mortgage Loan Application Amount | $153,865 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $87,393 |
| Highest Applicant Income | $1,349,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 240 | $ 26,031,000 | $ 108,462 | $ 72,000 |
| Henry, Iowa | 64 | $ 5,274,000 | $ 82,406 | $ 64,000 |
| Polk, Iowa | 39 | $ 7,969,000 | $ 204,333 | $ 100,000 |
| Johnson, Iowa | 33 | $ 17,377,000 | $ 526,575 | $ 174,000 |
| Louisa, Iowa | 22 | $ 1,699,000 | $ 77,227 | $ 79,000 |
| Lee, Iowa | 14 | $ 5,316,000 | $ 379,714 | $ 70,000 |
| Dallas, Iowa | 9 | $ 2,047,000 | $ 227,444 | $ 225,000 |
| Scott, Iowa | 8 | $ 664,000 | $ 83,000 | $ 127,000 |
| Linn, Iowa | 5 | $ 712,000 | $ 142,400 | $ 39,000 |
| Henderson, Illinois | 4 | $ 386,000 | $ 96,500 | $ 110,000 |
| Van Buren, Iowa | 4 | $ 599,000 | $ 149,750 | $ 69,000 |
| Hancock, Illinois | 3 | $ 170,000 | $ 56,666 | $ 67,000 |
| Cook, Illinois | 2 | $ 919,000 | $ 459,500 | $ 0 |
| Iowa, Iowa | 2 | $ 171,000 | $ 85,500 | $ 79,000 |
| Muscatine, Iowa | 2 | $ 91,000 | $ 45,500 | $ 142,000 |
| Collier, Florida | 1 | $ 590,000 | $ 590,000 | $ 190,000 |
| Lee, Florida | 1 | $ 90,000 | $ 90,000 | $ 95,000 |
| Kendall, Illinois | 1 | $ 123,000 | $ 123,000 | $ 11,000 |
| Knox, Illinois | 1 | $ 124,000 | $ 124,000 | $ 320,000 |
| Peoria, Illinois | 1 | $ 217,000 | $ 217,000 | $ 320,000 |
| Black Hawk, Iowa | 1 | $ 54,000 | $ 54,000 | $ 157,000 |
| Boone, Iowa | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Cedar, Iowa | 1 | $ 174,000 | $ 174,000 | $ 83,000 |
| Jasper, Iowa | 1 | $ 53,000 | $ 53,000 | $ 22,000 |
| Jefferson, Iowa | 1 | $ 38,000 | $ 38,000 | $ 81,000 |
| Madison, Iowa | 1 | $ 509,000 | $ 509,000 | $ 553,000 |
| Marion, Iowa | 1 | $ 63,000 | $ 63,000 | $ 83,000 |
| Marshall, Iowa | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Story, Iowa | 1 | $ 47,000 | $ 47,000 | $ 154,000 |
| Wapello, Iowa | 1 | $ 90,000 | $ 90,000 | $ 67,000 |
| Warren, Iowa | 1 | $ 240,000 | $ 240,000 | $ 122,000 |
| Washington, Iowa | 1 | $ 170,000 | $ 170,000 | $ 49,000 |
| Wayne, Iowa | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Webster, Iowa | 1 | $ 68,000 | $ 68,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2014
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 | 215 | $34,735,000 | $161,000 | $3,773,000 | $88,000 | $553,000 |
| Refinancing | 135 | $27,741,000 | $205,000 | $8,000,000 | $85,000 | $1,349,000 |
| Home Improvement | 120 | $9,841,000 | $82,000 | $1,192,000 | $89,000 | $984,000 |
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 | 396 | $44,720,000 | $112,000 | $1,192,000 | $95,000 | $1,349,000 |
| Not applicable | 47 | $24,350,000 | $518,000 | $8,000,000 | $0 | $0 |
| Hispanic | 8 | $1,374,000 | $171,000 | $432,000 | $167,000 | $350,000 |
| Not Provided | 6 | $411,000 | $68,000 | $123,000 | $54,000 | $173,000 |
| Black or African American | 5 | $313,000 | $62,000 | $90,000 | $83,000 | $120,000 |
| Asian | 4 | $598,000 | $149,000 | $220,000 | $83,000 | $140,000 |
| American Indian or Alaskan Native | 3 | $386,000 | $128,000 | $217,000 | $243,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $250,000 | $250,000 |
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) | 468 | $72,180,000 | $154,000 | $8,000,000 | $88,000 | $1,349,000 |
| FHA-insured (Federal Housing Administration) | 1 | $37,000 | $37,000 | $37,000 | $32,000 | $32,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $100,000 | $100,000 | $100,000 | $12,000 | $12,000 |
| 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 | 395 | $55,743,000 | $141,000 | $5,700,000 | $89,000 | $1,349,000 |
| Application Denied By Financial Institution | 42 | $11,522,000 | $274,000 | $8,000,000 | $52,000 | $320,000 |
| Application Withdrawn By Applicant | 22 | $3,667,000 | $166,000 | $1,192,000 | $110,000 | $984,000 |
| Application Approved But Not Accepted | 11 | $1,385,000 | $125,000 | $289,000 | $117,000 | $320,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $1,217,000 | $60,000 | $250,000 | $43,000 | $91,000 |
| Debt-To-Income Ratio | 14 | $1,613,000 | $115,000 | $417,000 | $47,000 | $129,000 |
| Collateral | 2 | $137,000 | $68,000 | $70,000 | $82,000 | $111,000 |
| Other | 2 | $8,170,000 | $4,085,000 | $8,000,000 | $24,000 | $49,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $32,000 | $32,000 |
| 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 2014 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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