Two Rivers Bank & Trust
Two Rivers Bank & Trust received 364 applications in 2025 and made 247 mortgages, in 28 counties across 5 states. The median rate its borrowers got was 6.975% on a median loan of $75,000. Of 308 decisions, 48 were denials — 15.6%, most often for credit history.
| Legal Entity Identifier | 549300TN34NXD7N44O04 |
|---|---|
| Applications received | 364 |
| Mortgages made | 247 |
| Denied | 48 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 56 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4075 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 113 | 6.725% | $135,000 | 3.3% |
| Refinancing | 71 | 6.875% | $85,000 | 14.9% |
| Other purposes | 63 | 7.490% | $25,000 | 31.6% |
Where Two Rivers Bank & Trust lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Des Moines County, IA | 87 | 6.990% | 11.4% |
| Lee County, IA | 56 | 7.125% | 21.8% |
| Johnson County, IA | 25 | 6.350% | 7.1% |
| Henry County, IA | 24 | 7.000% | 11.1% |
| Hancock County, IL | 9 | Under 10 loans | 25.0% |
| Louisa County, IA | 8 | Under 10 loans | 0.0% |
| Polk County, IA | 7 | Under 10 loans | 30.0% |
| Washington County, IA | 5 | Under 10 loans | 16.7% |
| Dallas County, IA | 3 | Under 10 loans | 25.0% |
| Muscatine County, IA | 3 | Under 10 loans | 0.0% |
| Henderson County, IL | 2 | Under 10 loans | 50.0% |
| Iowa County, IA | 2 | Under 10 loans | 0.0% |
| Linn County, IA | 2 | Under 10 loans | 0.0% |
| Clark County, MO | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| McDonough County, IL | 1 | Under 10 loans | 0.0% |
| Mercer County, IL | 1 | Under 10 loans | 0.0% |
| Jefferson County, IA | 1 | Under 10 loans | 66.7% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Ringgold County, IA | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 50.0% |
| Tama County, IA | 1 | Under 10 loans | 0.0% |
| Van Buren County, IA | 1 | Under 10 loans | 50.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Madison County, IA | 0 | Under 10 loans | Not published |
| Sioux County, IA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.