Two Rivers Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th15.6% deniedPricingmedian rate spread over APOR, weight 30%
35th0.41 ptsProcesswithdrawn + incomplete share, weight 15%
34th15.4%Closing coststotal loan costs ÷ loan amount, weight 10%
76th1.24% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 343 | 271 | 7.3% | 8.2% | 6.88% | $35M |
| 2024 | 354 | 254 | 14.1% | 15.2% | 7.50% | $38M |
| 2025 | 364 | 247 | 13.2% | 15.6% | 6.98% | $41M |
What Two Rivers Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 73 investment properties.
Why Two Rivers Bank & Trust denies applications
Primary reason reported for each of the 48 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Two Rivers Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 61 | 29 | 32.6% |
| $50k – $100k | 132 | 90 | 18.1% |
| $100k – $150k | 63 | 47 | 5.6% |
| $150k – $250k | 45 | 31 | 15.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 48 | 32 | 14.6% |
| 35–44 | 66 | 34 | 30.2% |
| 45–54 | 72 | 53 | 15.6% |
| 55–64 | 49 | 29 | 24.4% |
| 65–74 | 37 | 26 | 6.7% |
| Over 74 | 26 | 19 | 9.1% |
Where Two Rivers Bank & Trust lends
5 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Two Rivers Bank & Trust denied 15.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
The most common reason Two Rivers Bank & Trust gave in 2025 was "credit history", cited on 64.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Two Rivers Bank & Trust originated in 2025 was 6.98%, and its median rate spread over the average prime offer rate was 0.41 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 41% of its applications were for home purchases, 29% for refinancing (including cash-out), and 30% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.