Lenders › Two Rivers Bank & Trust › Iowa
Two Rivers Bank & Trust in Iowa
HMDA record for properties in Iowa, calendar year 2024. National record · Iowa overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
Two Rivers Bank & Trust's 2024 HMDA record for Iowa covers 337 applications, 240 of them originated, worth $37m.
Its denial rate in the state was 15.8%, close to the Iowa rate of 15.9% across all lenders and compared with the lender's national rate of 15.2%.
The median rate spread on its Iowa originations was 0.6 percentage points (state median 0.2).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Iowa | Iowa, all lenders | Two Rivers Bank & Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.8% | 15.9% | 15.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.2 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.2% | 15.6% | 15.3% | 15.6% |
| Average originated loan | $153k | $187k | $149k | $329k |
| Home purchase share | 44.2% | 57.7% | 43.3% | 57.0% |
| FHA-insured share | 0.0% | 8.2% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.2% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIowa, all lenders
Loan purpose and loan type in Iowa
By purpose
Home purchase 44% (106)Home improvement 27% (65)Refinancing 13% (32)Other purpose 15% (37)
By type
Conventional 100% (240)
Denial reasons as coded
Share of 49 denials in Iowa by first denial reason coded (outlined bar: all lenders in the state).
Counties in Iowa
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Des Moines County | 133 | 90 | $6.8m | 16.5% |
| Lee County | 98 | 66 | $5.3m | 20.7% |
| Louisa County | 27 | 23 | $1.6m | 4.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Two Rivers Bank & Trust originate in Iowa in 2024?
240 loans totalling $37m, from 337 applications reported for properties in Iowa.
What is Two Rivers Bank & Trust's denial rate in Iowa?
15.8% of decided applications in Iowa were denied, against 15.9% for all lenders in the state and 15.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Iowa counties does Two Rivers Bank & Trust lend in most?
By originations: Des Moines County (90), Lee County (66), Louisa County (23).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Iowa. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.