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 score and performance metrics.

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 an overall pricing score of 19.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Two Rivers Bank & Trust?

Two Rivers Bank & Trust is a Bank headquartered in Burlington, IA.

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Two Rivers Bank & Trust

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Two Rivers Bank & Trust has 80 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Regional

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Two Rivers Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+43.6 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	80	100.0%	+0.436%Above	$283Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume80

Mix100.0%

Spread

+0.436%Above

Fees

$283Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	61	76.3%	+0.419%Above	$301Fees
Refinance	Acceptable	Acceptable	—	Sound	19	23.8%	+0.482%Above	$234Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume61

Mix76.3%

Spread

+0.419%Above

Fees

$301Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume19

Mix23.8%

Spread

+0.482%Above

Fees

$234Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

123

Volume

$12 million

Pricing & Closing

Avg Rate Spread

+0.436%

vs. market APOR

Avg Net Fees

$283

Origination − Credits

Pullthrough Rate

65.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$153,750

Avg Borrower Income

$98,288

Avg Property Value

$228,375

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

Midwest2

IAIL

Top States by Place Specialization Score

IowaState

Volume 79Mix 98.75% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.