Applications / Mortgage Analytics / Lenders / Iowa / Cedar Valley Bank & Trust
La Porte City, IA · State non-member bank · FDIC · $121 million assets · 92 loans in 2025
Cedar Valley Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
92
loans originated, 2025
98
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cedar Valley Bank & Trust, a small Iowa bank, makes more than half its loans in poorer neighborhoods, a higher share than almost any bank like it.
Low- and moderate-income (LMI) neighborhoods took 57.6% of its loans in 2025. At similar lenders (state non-member banks making between half and twice as many loans) the figure was 18.3%. LMI borrowers took 38.2%, down from 51.9% the year before but still above the 27.3% at its peers.
Its typical loan was $85,000, about half the $175,000 at similar lenders and among the lowest tenth. It made no jumbo loans. Home improvement made up 20.7% of its lending, and repair loans tend to be small, which may explain part of the gap.
It ranks 24 of 210 lenders in Cedar Rapids, with a 0.8% share that held steady last year. GreenState Credit Union and Hills Bank and Trust Company lead that market. It has lent there since 1993.
Its 92 loans were 3% more than the year before, against 9% at similar lenders. It filed no report for 2020 to 2022, but it has made more loans each year since 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Cedar Valley Bank & Trust took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.5% · Refinance 31.5% · Home improvement 20.7% · Other 4.3%
Conventional 100.0% · of 92 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 | 91 | 98.9% |
| Minnesota | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cedar Rapids | 80 |
| Waterloo-Cedar Falls | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UMP0GPLDSH4L61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1014246 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314694 | 1992–2017 |
Established 6 July 1906. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Cedar Valley Bank & Trust's data.
Cedar Valley Bank & Trust's data
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