Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Two Rivers Bank & Trust of Burlington, IA reported 395 mortgage applications totaling $66.6 million, down 9% from 2018. The average application was for $168,518, and applicants reported an average income of $86,377. 71% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Des Moines-West Des Moines, IA (37), Iowa City, IA (16) and Davenport-Moline-Rock Island, IA-IL (12) (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 | 395 |
| Total Mortgage Loan Application Amount | $66,565,000 |
| Average Mortgage Loan Application Amount | $168,518 |
| Highest Mortgage Loan Application Amount | $6,485,000 |
| Average Applicant Income | $86,377 |
| Highest Applicant Income | $1,918,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 189 | $ 16,665,000 | $ 88,174 | $ 76,000 |
| Henry, Iowa | 61 | $ 6,415,000 | $ 105,163 | $ 80,000 |
| Lee, Iowa | 36 | $ 2,650,000 | $ 73,611 | $ 60,000 |
| Polk, Iowa | 29 | $ 5,545,000 | $ 191,206 | $ 157,000 |
| Johnson, Iowa | 14 | $ 3,000,000 | $ 214,285 | $ 132,000 |
| Hancock, Illinois | 12 | $ 830,000 | $ 69,166 | $ 74,000 |
| Louisa, Iowa | 11 | $ 1,195,000 | $ 108,636 | $ 75,000 |
| Scott, Iowa | 9 | $ 15,975,000 | $ 1,775,000 | $ 196,000 |
| Linn, Iowa | 6 | $ 5,120,000 | $ 853,333 | $ 162,000 |
| Henderson, Illinois | 5 | $ 415,000 | $ 83,000 | $ 68,000 |
| Rock Island, Illinois | 3 | $ 6,665,000 | $ 2,221,666 | $ 0 |
| Warren, Iowa | 3 | $ 285,000 | $ 95,000 | $ 215,000 |
| McDonough, Illinois | 2 | $ 30,000 | $ 15,000 | $ 22,000 |
| Dallas, Iowa | 2 | $ 210,000 | $ 105,000 | $ 78,000 |
| Guthrie, Iowa | 2 | $ 640,000 | $ 320,000 | $ 313,000 |
| Jefferson, Iowa | 2 | $ 70,000 | $ 35,000 | $ 70,000 |
| Marion, Iowa | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Washington, Iowa | 2 | $ 100,000 | $ 50,000 | $ 68,000 |
| Lee, Florida | 1 | $ 185,000 | $ 185,000 | $ 200,000 |
| Appanoose, Iowa | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Clinton, Iowa | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jasper, Iowa | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Clark, Missouri | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2019
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 | 176 | $43,770,000 | $248,000 | $6,485,000 | $88,000 | $723,000 |
| Refinancing | 106 | $18,570,000 | $175,000 | $2,415,000 | $94,000 | $1,918,000 |
| Home Improvement | 65 | $2,275,000 | $35,000 | $215,000 | $75,000 | $248,000 |
| Other Purpose | 48 | $1,950,000 | $40,000 | $355,000 | $79,000 | $210,000 |
| 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 | 344 | $34,430,000 | $100,000 | $905,000 | $87,000 | $1,918,000 |
| Not applicable | 29 | $29,465,000 | $1,016,000 | $6,485,000 | $0 | $0 |
| Hispanic | 8 | $860,000 | $107,000 | $315,000 | $70,000 | $275,000 |
| Black or African American | 6 | $370,000 | $61,000 | $125,000 | $39,000 | $54,000 |
| Not Provided | 4 | $820,000 | $205,000 | $345,000 | $120,000 | $248,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $155,000 | $36,000 | $64,000 |
| Asian | 2 | $440,000 | $220,000 | $305,000 | $87,000 | $145,000 |
| 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) | 393 | $66,425,000 | $169,000 | $6,485,000 | $87,000 | $1,918,000 |
| FHA-insured (Federal Housing Administration) | 2 | $140,000 | $70,000 | $85,000 | $36,000 | $48,000 |
| 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 | 281 | $56,055,000 | $199,000 | $6,485,000 | $98,000 | $1,918,000 |
| Application Denied By Financial Institution | 52 | $3,940,000 | $75,000 | $385,000 | $49,000 | $140,000 |
| Application Withdrawn By Applicant | 33 | $3,985,000 | $120,000 | $305,000 | $77,000 | $334,000 |
| Application Approved But Not Accepted | 28 | $2,580,000 | $92,000 | $325,000 | $65,000 | $152,000 |
| File Closed For Incompleteness | 1 | $5,000 | $5,000 | $5,000 | $25,000 | $25,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 395 | $66,565,000 | $168,000 | $6,485,000 | $86,000 | $1,918,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Two Rivers Bank & Trust's 2019 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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with aggregated HMDA statistics today.
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