Two Rivers Bank & Trust: 2025 mortgage rates, costs & approvals
How Two Rivers Bank & Trust priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Two Rivers Bank & Trust · LEI 549300TN34NXD7N44O04
In 2025, Two Rivers Bank & Trust originated 107 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1786th by volume among the 2,017 lenders profiled here.
It denied 2.9% of completed home-purchase applications (all lenders: 8.5%).
How Two Rivers Bank & Trust priced home-purchase loans
| Purchase loans, 2025 | Two Rivers Bank & Trust | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.15 pts | +0.13 pts |
| Total loan costs · conventional | $1,500 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $300 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 3.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Two Rivers Bank & Trust lends
Counties where Two Rivers Bank & Trust is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Des Moines County, IA | 2 | 42 | 12.1% |
| Lee County, IA | 4 | 17 | 8.6% |
| Clark County, MO | 4 | 2 | 7.7% |
| Henry County, IA | 4 | 12 | 6.6% |
| Louisa County, IA | 5 | 4 | 5.3% |
| Hancock County, IL | 5 | 6 | 4.6% |
| Van Buren County, IA | 11 | 1 | 3.5% |
| Henderson County, IL | 23 | 1 | 2.2% |
| Washington County, IA | 11 | 4 | 1.2% |
| Iowa County, IA | 22 | 2 | 0.8% |
Check Two Rivers Bank & Trust yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300TN34NXD7N44O04.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Two Rivers Bank & Trust with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology