Name of the lender

Twin River BankMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Lewiston, ID
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Twin River Bank reported 36 mortgage applications in the HMDA data of 2025.

It originated 25 loans in 2025, for $8.0 million in total.

This page shows no median interest rate for 2025: under 20 loans with a rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 24.2% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Twin River Bank, 2025
Figure	This lender	United States
Applications	36Under 0.1% of the US total	11,766,671
Loans originated	25$8.0 million	6,827,891
Median interest rate	n/aWhy there is no median	6.375%
Median total loan costs	n/a	$6,413
Denial rate	24.2%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Not shown

A median needs 20 loans with a reported interest rate. No loan of the lender is in the loans that the medians use.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

Action takenHMDA codes and labels

Records of Twin River Bank by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	25	69.4%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	8	22.2%	15.6%
4Application withdrawn by applicant	3	8.3%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Twin River Bank by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	36	25	24.2%US 23.4%

Applications of Twin River Bank by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	22	14	56.0%
Home improvement	1	1	4.0%
Refinancing	12	9	36.0%
Cash-out refinancing	0	0	0.0%
Other purpose	1	1	4.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends0 states with 25 applications or more

No state has 25 applications of this lender or more.

Figures by yearHMDA 2022 to 2025

Twin River Bank by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	36	25	n/a	n/a	24.2%	36
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Twin River Bank and the United States

Twin River BankUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of TWIN RIVER BANK, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	0	0	0	0
July 2026	0	0	0	0
June 2026	0	0	0	0
May 2026	0	0	0	0
April 2026	0	0	0	0
March 2026	0	0	0	0
February 2026	0	0	0	0
January 2026	0	0	0	0
December 2025	0	0	0	0
November 2025	0	0	0	0
October 2025	0	0	0	0
September 2025	0	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "TWIN RIVER BANK". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Advantage Plus FCUPocatello, ID
Agwest Farm Credit, FLCASpokane, WA
Beehive Federal Credit UnionRexburg, ID
Bluebird Home Loans LLCBoise, ID
Cache Valley BankLogan, UT
Capital Educators Fed CUMeridian, ID
Connections Credit UnionPocatello, ID
Frontier Credit UnionIdaho Falls, ID
Pioneer Federal Credit UnionMountain Home, ID
Servbank, N.A.Oswego, IL
The Bank of CommerceAmmon, ID
Washington FederalSeattle, WA

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Twin River Bank mortgage rates, costs and denial rate, 2025", https://lenderregister.com/lender/254900o1j92j7kpvmg08-twin-river-bank/
Lender: Twin River Bank, LEI 254900O1J92J7KPVMG08
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Twin River Bank buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which loan types did Twin River Bank originate in 2025?: All its loans were of one type: 25 Conventional.
How many records did Twin River Bank file for 2025?: Its transmittal sheet counts 36 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.
How many loans did VA guarantee for Twin River Bank in August 2026?: VA lists 0 loans for the lender in that month: 0 purchase, 0 cash-out refinance and 0 IRRRL.