Two Rivers Bank & Trust in Illinois vs the state
26.3%Denial rate+9.20 pts vs state
27.8%Decision denial rate+6.10 pts vs state
68.4%Origination rate+9.68 pts vs state
6.88%Median rate+0.13 pts vs state
0.19Rate spread (pts)-0.19 pts vs state
$72kMedian applicant income
13Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 15 | 11.1% | 6.88% | #597 |
| 2024 | 15 | 13 | 6.7% | 7.50% | #622 |
| 2025 | 19 | 13 | 26.3% | 6.88% | #603 |
What Two Rivers Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Two Rivers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hancock County | 13 | 9 | 3 | 23.1% |
| Henderson County | 4 | 2 | 2 | 50.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| McDonough County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 19 applications in 2025, of which 13 were originated and 5 denied.
26.3% of all applications, or 27.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Two Rivers Bank & Trust originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Two Rivers Bank & Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology