Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Two Rivers Bank & Trust of Burlington, IA reported 435 mortgage applications totaling $50.2 million, up 2% from 2017. The average application was for $115,505, and applicants reported an average income of $94,165. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Des Moines-West Des Moines, IA (55), Iowa City, IA (30) and Davenport-Moline-Rock Island, IA-IL (11) (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 | 435 |
| Total Mortgage Loan Application Amount | $50,245,000 |
| Average Mortgage Loan Application Amount | $115,505 |
| Highest Mortgage Loan Application Amount | $2,105,000 |
| Average Applicant Income | $94,165 |
| Highest Applicant Income | $888,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 217 | $ 19,315,000 | $ 89,009 | $ 85,000 |
| Henry, Iowa | 57 | $ 5,705,000 | $ 100,087 | $ 71,000 |
| Polk, Iowa | 49 | $ 7,165,000 | $ 146,224 | $ 115,000 |
| Johnson, Iowa | 24 | $ 4,560,000 | $ 190,000 | $ 146,000 |
| Louisa, Iowa | 17 | $ 1,125,000 | $ 66,176 | $ 77,000 |
| Lee, Iowa | 14 | $ 1,580,000 | $ 112,857 | $ 89,000 |
| Henderson, Illinois | 12 | $ 800,000 | $ 66,666 | $ 96,000 |
| Scott, Iowa | 7 | $ 1,775,000 | $ 253,571 | $ 118,000 |
| Washington, Iowa | 6 | $ 630,000 | $ 105,000 | $ 133,000 |
| Rock Island, Illinois | 4 | $ 250,000 | $ 62,500 | $ 0 |
| Linn, Iowa | 4 | $ 570,000 | $ 142,500 | $ 57,000 |
| Dallas, Iowa | 3 | $ 945,000 | $ 315,000 | $ 527,000 |
| Clinton, Iowa | 2 | $ 2,170,000 | $ 1,085,000 | $ 0 |
| Iowa, Iowa | 2 | $ 330,000 | $ 165,000 | $ 69,000 |
| Madison, Iowa | 2 | $ 670,000 | $ 335,000 | $ 144,000 |
| Hancock, Illinois | 1 | $ 45,000 | $ 45,000 | $ 221,000 |
| Kendall, Illinois | 1 | $ 125,000 | $ 125,000 | $ 376,000 |
| Black Hawk, Iowa | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Cedar, Iowa | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Decatur, Iowa | 1 | $ 45,000 | $ 45,000 | $ 162,000 |
| Jefferson, Iowa | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Jones, Iowa | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Mahaska, Iowa | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Marion, Iowa | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Marshall, Iowa | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Wapello, Iowa | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Warren, Iowa | 1 | $ 105,000 | $ 105,000 | $ 213,000 |
| Johnson, Kansas | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Miller, Missouri | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Manitowoc, Wisconsin | 1 | $ 825,000 | $ 825,000 | $ 0 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2018
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 | 213 | $33,065,000 | $155,000 | $2,105,000 | $95,000 | $807,000 |
| Refinancing | 100 | $11,920,000 | $119,000 | $645,000 | $103,000 | $620,000 |
| Home Improvement | 75 | $2,695,000 | $35,000 | $215,000 | $82,000 | $212,000 |
| Other Purpose | 47 | $2,565,000 | $54,000 | $505,000 | $91,000 | $888,000 |
| 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 | 369 | $36,925,000 | $100,000 | $655,000 | $87,000 | $888,000 |
| Not applicable | 36 | $9,460,000 | $262,000 | $2,105,000 | $0 | $0 |
| Not Provided | 8 | $1,070,000 | $133,000 | $205,000 | $200,000 | $600,000 |
| Black or African American | 8 | $1,130,000 | $141,000 | $425,000 | $182,000 | $620,000 |
| Asian | 7 | $1,205,000 | $172,000 | $315,000 | $357,000 | $516,000 |
| Hispanic | 6 | $390,000 | $65,000 | $145,000 | $90,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 434 | $50,190,000 | $115,000 | $2,105,000 | $94,000 | $888,000 |
| FHA-insured (Federal Housing Administration) | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| 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 | 334 | $39,320,000 | $117,000 | $2,105,000 | $98,000 | $888,000 |
| Application Denied By Financial Institution | 38 | $3,310,000 | $87,000 | $455,000 | $61,000 | $485,000 |
| Application Withdrawn By Applicant | 33 | $4,395,000 | $133,000 | $285,000 | $104,000 | $516,000 |
| Application Approved But Not Accepted | 29 | $3,165,000 | $109,000 | $825,000 | $87,000 | $600,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $22,000 | $22,000 |
| 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 | 397 | $46,935,000 | $118,000 | $2,105,000 | $98,000 | $888,000 |
| Credit History | 16 | $1,260,000 | $78,000 | $255,000 | $63,000 | $212,000 |
| Debt-To-Income Ratio | 16 | $1,380,000 | $86,000 | $305,000 | $40,000 | $102,000 |
| Collateral | 3 | $505,000 | $168,000 | $455,000 | $196,000 | $485,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $43,000 | $43,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Two Rivers Bank & Trust's 2018 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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