Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Two Rivers Bank & Trust of Burlington, IA reported 453 mortgage applications totaling $69.8 million, down 4% from 2014. The average application was for $153,982, and applicants reported an average income of $74,975. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Des Moines-West Des Moines, IA (71), Iowa City, IA (31) and Davenport-Moline-Rock Island, IA-IL (15) (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 | 453 |
| Total Mortgage Loan Application Amount | $69,754,000 |
| Average Mortgage Loan Application Amount | $153,982 |
| Highest Mortgage Loan Application Amount | $5,581,000 |
| Average Applicant Income | $74,975 |
| Highest Applicant Income | $2,006,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 27,154,000 | $ 131,178 | $ 64,000 |
| Polk, Iowa | 57 | $ 10,363,000 | $ 181,807 | $ 84,000 |
| Henry, Iowa | 51 | $ 4,940,000 | $ 96,862 | $ 63,000 |
| Johnson, Iowa | 28 | $ 8,106,000 | $ 289,500 | $ 92,000 |
| Louisa, Iowa | 27 | $ 1,819,000 | $ 67,370 | $ 59,000 |
| Scott, Iowa | 14 | $ 4,442,000 | $ 317,285 | $ 14,000 |
| Dallas, Iowa | 9 | $ 3,036,000 | $ 337,333 | $ 114,000 |
| Henderson, Illinois | 8 | $ 413,000 | $ 51,625 | $ 85,000 |
| Lee, Iowa | 8 | $ 634,000 | $ 79,250 | $ 68,000 |
| Story, Iowa | 4 | $ 591,000 | $ 147,750 | $ 182,000 |
| Cedar, Iowa | 3 | $ 370,000 | $ 123,333 | $ 106,000 |
| Warren, Iowa | 3 | $ 486,000 | $ 162,000 | $ 125,000 |
| Washington, Iowa | 3 | $ 345,000 | $ 115,000 | $ 56,000 |
| Camden, Missouri | 3 | $ 523,000 | $ 174,333 | $ 0 |
| Lee, Florida | 2 | $ 2,470,000 | $ 1,235,000 | $ 1,078,000 |
| Cook, Illinois | 2 | $ 205,000 | $ 102,500 | $ 489,000 |
| Linn, Iowa | 2 | $ 178,000 | $ 89,000 | $ 54,000 |
| Marion, Iowa | 2 | $ 561,000 | $ 280,500 | $ 143,000 |
| Marshall, Iowa | 2 | $ 305,000 | $ 152,500 | $ 78,000 |
| Muscatine, Iowa | 2 | $ 380,000 | $ 190,000 | $ 87,000 |
| Van Buren, Iowa | 2 | $ 218,000 | $ 109,000 | $ 50,000 |
| Hancock, Illinois | 1 | $ 15,000 | $ 15,000 | $ 113,000 |
| Kendall, Illinois | 1 | $ 140,000 | $ 140,000 | $ 17,000 |
| Rock Island, Illinois | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Whiteside, Illinois | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Clinton, Iowa | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Guthrie, Iowa | 1 | $ 23,000 | $ 23,000 | $ 119,000 |
| Iowa, Iowa | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Jefferson, Iowa | 1 | $ 7,000 | $ 7,000 | $ 10,000 |
| Lucas, Iowa | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Madison, Iowa | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Mahaska, Iowa | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Webster, Iowa | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Beaufort, South Carolina | 1 | $ 1,218,000 | $ 1,218,000 | $ 162,000 |
| Washburn, Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 0 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2015
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 | 190 | $30,725,000 | $161,000 | $2,325,000 | $79,000 | $2,006,000 |
| Home Improvement | 143 | $11,788,000 | $82,000 | $1,218,000 | $78,000 | $420,000 |
| Refinancing | 120 | $27,241,000 | $227,000 | $5,581,000 | $65,000 | $391,000 |
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 | 366 | $44,024,000 | $120,000 | $2,325,000 | $85,000 | $2,006,000 |
| Not applicable | 63 | $23,514,000 | $373,000 | $5,581,000 | $0 | $62,000 |
| Not Provided | 11 | $1,129,000 | $102,000 | $176,000 | $168,000 | $979,000 |
| Asian | 4 | $391,000 | $97,000 | $161,000 | $138,000 | $169,000 |
| Black or African American | 4 | $187,000 | $46,000 | $71,000 | $92,000 | $213,000 |
| Hispanic | 4 | $385,000 | $96,000 | $121,000 | $55,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $124,000 | $124,000 | $124,000 | $51,000 | $51,000 |
| 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) | 452 | $69,675,000 | $154,000 | $5,581,000 | $75,000 | $2,006,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $45,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 371 | $61,183,000 | $164,000 | $5,581,000 | $78,000 | $2,006,000 |
| Application Denied By Financial Institution | 47 | $4,247,000 | $90,000 | $271,000 | $48,000 | $150,000 |
| Application Approved But Not Accepted | 26 | $3,393,000 | $130,000 | $499,000 | $81,000 | $285,000 |
| Application Withdrawn By Applicant | 8 | $821,000 | $102,000 | $252,000 | $93,000 | $360,000 |
| File Closed For Incompleteness | 1 | $110,000 | $110,000 | $110,000 | $108,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 23 | $1,973,000 | $85,000 | $217,000 | $53,000 | $150,000 |
| Debt-To-Income Ratio | 19 | $1,928,000 | $101,000 | $271,000 | $40,000 | $98,000 |
| Collateral | 2 | $188,000 | $94,000 | $124,000 | $45,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $66,000 | $66,000 | $66,000 | $42,000 | $42,000 |
| Other | 1 | $12,000 | $12,000 | $12,000 | $86,000 | $86,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Two Rivers Bank & Trust's 2015 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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