Applications / Mortgage Analytics / Lenders / Idaho / Twin River Bank
Lewiston, ID · State non-member bank · FDIC · $168 million assets · 25 loans in 2025
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25
loans originated, 2025
36
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Twin River Bank, a Lewiston, Idaho, bank that last filed a public mortgage report before 2018, reappeared in 2025 with 25 loans ranking 13th of 129 lenders in its home market.
The bank filed no public mortgage report from 2018 to 2024. Those years are gaps in the record, not years without lending. It first reported in 2004, as Twin River National Bank, and took its present name in 2017 when it gave up its national charter and moved its head office to Idaho.
In the Lewiston area, which spans Idaho and Washington, it ranked 13 of 129 lenders, with 1.8% of lending. Potlatch No. 1 Financial Credit Union led that market. Elsewhere, in rural Idaho and rural Washington, it was one of hundreds of small lenders.
Its typical loan was $255,000, against $175,000 at similar lenders, state non-member banks making between half and twice as many loans. Its 25 loans came to $8.0 million, close to the $9.1 million of a typical peer. All were conventional, and a little over half financed home purchases.
With 25 loans, its shares of lending to particular borrowers, neighborhoods or loan types rest on a few borrowers each. One year of figures after a seven-year gap is too thin a base for firm comparisons with its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Twin River Bank took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 36.0% · Home improvement 4.0% · Other 4.0%
Conventional 100.0% · of 25 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 15 | 60.0% |
| Washington | 9 | 36.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lewiston | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900O1J92J7KPVMG08 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 427960 | 2004–2017 |
| Respondent ID (the HMDA filer code before 2018) | 116814 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 322993 | 2017–2017 |
Established 15 November 1979. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Twin River Bank's data.
Twin River Bank's data
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