Two Rivers Bank & Trust in Iowa vs the state
12.7%Denial rate-0.14 pts vs state
15.1%Decision denial rate-0.22 pts vs state
67.8%Origination rate-0.71 pts vs state
6.99%Median rate+0.49 pts vs state
0.54Rate spread (pts)+0.35 pts vs state
$79kMedian applicant income
229Loans originated
43Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 322 | 253 | 7.1% | 6.88% | #57 |
| 2024 | 337 | 240 | 14.5% | 7.50% | #63 |
| 2025 | 338 | 229 | 12.7% | 6.99% | #66 |
What Two Rivers Bank & Trust lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Two Rivers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Des Moines County | 124 | 87 | 12 | 9.7% |
| Lee County | 90 | 56 | 17 | 18.9% |
| Henry County | 36 | 24 | 3 | 8.3% |
| Johnson County | 29 | 25 | 2 | 6.9% |
| Polk County | 15 | 7 | 3 | 20.0% |
| Louisa County | 10 | 8 | 0 | 0.0% |
| Washington County | 6 | 5 | 1 | 16.7% |
| Dallas County | 5 | 3 | 1 | 20.0% |
| Linn County | 4 | 2 | 0 | 0.0% |
| Muscatine County | 3 | 3 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 338 applications in 2025, of which 229 were originated and 43 denied.
12.7% of all applications, or 15.1% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Two Rivers Bank & Trust originated in Iowa in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Two Rivers Bank & Trust's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology