Applications / Mortgage Analytics / Lenders / Iowa / Cedar Rapids Bank and Trust Company
Cedar Rapids, IA · State member bank · FRS · $2.9 billion assets · 189 loans in 2025
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189
loans originated, 2025
233
applications, 2025
27
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cedar Rapids Bank and Trust Company made only 189 loans in 2025, but they were worth $640.3 million, more than at nearly all similar banks, which points to a few very large loans.
The typical similar lender, a state member bank making between half and twice as many loans, lent $49.9 million. Its own typical loan, $335,000, cannot account for the gap, so a handful of very large loans may explain most of it. The public data does not say what they financed.
Its loans reached 27 states and 48 metros. In 2025 it entered Manhattan, KS, where it ranked 6 of 209 lenders with 5.3%, and Pueblo, CO, where it ranked 8 of 264 with 2.4%. With so few loans, each position may rest on one or two large ones.
In Cedar Rapids, IA it ranked 5 of 210 lenders, and its share rose to 3.8% from 2.0%. GreenState Credit Union and Hills Bank and Trust Company lead there.
Low- and moderate-income (LMI) borrowers took 43.0% of its loans, against 28.6% at similar lenders, and LMI neighborhoods 31.7%, against 16.2%. Both are higher than at about nine in ten peers. Its loan count fell 10% to 189 but remains above the 144 of five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cedar Rapids Bank and Trust Company took 233 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.7% · Refinance 19.6% · Other 4.2% · Home improvement 0.5%
Conventional 100.0% · of 189 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 | 117 | 61.9% |
| North Carolina | 9 | 4.8% |
| Texas | 7 | 3.7% |
| Ohio | 6 | 3.2% |
| Colorado | 4 | 2.1% |
| Georgia | 4 | 2.1% |
| Indiana | 4 | 2.1% |
| Arizona | 3 | 1.6% |
| Illinois | 3 | 1.6% |
| Kentucky | 3 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cedar Rapids | 94 |
| Waterloo-Cedar Falls | 9 |
| Iowa City | 7 |
| Chicago-Naperville-Schaumburg | 3 |
| Milwaukee-Waukesha | 3 |
| Minneapolis-St. Paul-Bloomington | 3 |
| Phoenix-Mesa-Chandler | 3 |
| Providence-Warwick | 3 |
| Winston-Salem | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | PS6WLKTYGZOKK05G5O59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3029589 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 23029589 | 2002–2017 |
Established 14 September 2001. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Cedar Rapids Bank and Trust Company's data.
Cedar Rapids Bank and Trust Company's data
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Cedar Rapids Bank and Trust Company 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.
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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.
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