# Two Rivers Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/two-rivers-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Two Rivers Bank & Trust is a bank, headquartered in Burlington, IA, serving borrowers across 2 states, with 80 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300TN34NXD7N44O04
- **Headquarters:** Burlington, IA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IA, IL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.436%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $283
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 80
- **Dollar Volume:** $12 million
- **Applications Received:** 123
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $153,750
- **Average Borrower Income:** $98,288
- **Average Property Value:** $228,375

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 80 | +0.436% | $283 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 61 loans, Score: 30/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 61 | $10M | +0.419% | Acceptable 🙂 |
| Refinance | 33/100 | 19 | $2M | +0.482% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 79 | 0.22% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 67 | 57/100 |

## Frequently Asked Questions

### What loan types does Two Rivers Bank & Trust offer?

Two Rivers Bank & Trust offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Two Rivers Bank & Trust offer mortgages?

Two Rivers Bank & Trust offers mortgages in 2 states: IA, IL.

### How competitive are Two Rivers Bank & Trust's mortgage rates?

Two Rivers Bank & Trust has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.436% above market average.

### What type of lender is Two Rivers Bank & Trust?

Two Rivers Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Burlington, IA.

### What is Two Rivers Bank & Trust's loan approval success rate?

Two Rivers Bank & Trust has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/two-rivers-bank-trust

### How to Cite

> "Two Rivers Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/two-rivers-bank-trust

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