Applications / Mortgage Analytics / Lenders / Iowa / Two Rivers Bank & Trust
Burlington, IA · State non-member bank · FDIC · $1.2 billion assets · 247 loans in 2025
Two Rivers Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
247
loans originated, 2025
364
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Two Rivers Bank & Trust makes many small mortgages in Iowa, a larger share of them to low- and moderate-income borrowers than nearly nine in ten similar banks.
Its typical loan was $75,000, against $175,000 at similar lenders, which are state non-member banks making between half and twice as many loans. Only a few in the group make smaller loans. So its 247 loans, more than at about two-thirds of its peers, came to just $41.0 million. Purchases were 45.7% of its loans, with the rest split among refinancing, home improvement and other purposes.
Borrowers with low or moderate incomes (LMI) took 39.4% of its loans, against 28.1% at similar lenders, a higher share than at nearly nine in ten of them. That has held for years: the figure was 39.2% in 2020. It also lent more than its peers in poorer neighborhoods, 22.3% against 17.6%.
Its loans fell 3% in 2025, to 247, while similar lenders grew 9% and the whole market 10%. It made 381 loans in 2022 and fewer in each year since.
Its strongest showing was in Iowa City, where it ranked 13 of 171 lenders with 0.9% of lending, up from 0.8%. GreenState Credit Union led there, followed by Hills Bank and Trust Company. In rural Iowa, its largest market, it ranked 34 of 465. It lends in 26 counties across five states.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Two Rivers Bank & Trust took 364 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.7% · Refinance 28.7% · Home improvement 14.2% · Other 11.3%
Conventional 100.0% · of 247 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 |
|---|---|---|
| Iowa | 229 | 92.7% |
| Illinois | 13 | 5.3% |
| Missouri | 3 | 1.2% |
| Arizona | 1 | 0.4% |
| Wisconsin | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Iowa City | 30 |
| Des Moines-West Des Moines | 11 |
| Cedar Rapids | 2 |
| Davenport-Moline-Rock Island | 2 |
| Madison | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TN34NXD7N44O04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3320781 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358013 | 2006–2017 |
Established 2 May 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Two Rivers Bank & Trust's data.
Two Rivers Bank & Trust's data
$215
Two Rivers Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Two Rivers Bank & Trust's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]