Two Rivers Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Two Rivers Bank & Trust of Burlington, IA reported 271 mortgage applications totaling $37.5 million. The average application was for $138,236, and applicants reported an average income of $72,280. 77% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Des Moines-West Des Moines, IA (23), Iowa City, IA (19) and Ames, IA (3) (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 | 271 |
| Total Mortgage Loan Application Amount | $37,462,000 |
| Average Mortgage Loan Application Amount | $138,236 |
| Highest Mortgage Loan Application Amount | $3,443,000 |
| Average Applicant Income | $72,280 |
| Highest Applicant Income | $660,000 |
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(HMDA) records Two Rivers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Des Moines-West Des Moines, IA | 23 | $ 16,074,000 | $ 698,869 | $ 107,000 |
| Iowa City, IA | 19 | $ 4,953,000 | $ 260,684 | $ 93,000 |
| Ames, IA | 3 | $ 775,000 | $ 258,333 | $ 142,000 |
| Cedar Rapids, IA | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 73,000 | $ 73,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Two Rivers Bank & Trust in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 118 | $23,512,000 | $199,000 | $3,443,000 | $61,000 | $625,000 |
| Home Purchase | 93 | $12,781,000 | $137,000 | $3,050,000 | $90,000 | $660,000 |
| Home Improvement | 60 | $1,169,000 | $19,000 | $70,000 | $67,000 | $190,000 |
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 | 224 | $17,329,000 | $77,000 | $477,000 | $75,000 | $450,000 |
| Not applicable | 23 | $18,704,000 | $813,000 | $3,443,000 | $32,000 | $625,000 |
| Not Provided | 13 | $570,000 | $43,000 | $135,000 | $86,000 | $660,000 |
| American Indian or Alaskan Native | 5 | $218,000 | $43,000 | $66,000 | $53,000 | $86,000 |
| Asian | 2 | $201,000 | $100,000 | $128,000 | $201,000 | $296,000 |
| Black or African American | 2 | $156,000 | $78,000 | $144,000 | $67,000 | $84,000 |
| Hispanic | 2 | $284,000 | $142,000 | $267,000 | $113,000 | $200,000 |
| 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) | 269 | $37,316,000 | $138,000 | $3,443,000 | $73,000 | $660,000 |
| FHA-insured (Federal Housing Administration) | 1 | $68,000 | $68,000 | $68,000 | $24,000 | $24,000 |
| VA-guaranteed (Veterans Administration) | 1 | $78,000 | $78,000 | $78,000 | $58,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 210 | $31,112,000 | $148,000 | $3,443,000 | $74,000 | $660,000 |
| Application Denied By Financial Institution | 41 | $3,950,000 | $96,000 | $327,000 | $59,000 | $368,000 |
| Application Withdrawn By Applicant | 18 | $2,361,000 | $131,000 | $417,000 | $89,000 | $281,000 |
| Application Approved But Not Accepted | 2 | $39,000 | $19,000 | $34,000 | $41,000 | $51,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Two Rivers Bank & Trust's 2010 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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