Applications / Mortgage Analytics / Lenders / Iowa / Hiawatha Bank and Trust Company
Hiawatha, IA · State non-member bank · FDIC · $148 million assets · 41 loans in 2025
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41
loans originated, 2025
45
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hiawatha Bank and Trust Company, an Iowa state bank, holds a steady place in the Cedar Rapids market, where it ranks 39 of 210 lenders.
Its share of the Cedar Rapids market stayed at 0.4% in 2025, in a market led by GreenState Credit Union and Hills Bank and Trust Company. It merged with Center Point Bank and Trust Company in 2020 and Walker State Bank in 2022; their filings count in the competition figures, and those mergers may account for some of its standing.
Its loans rose 5% to 41, against 2% at the typical similar lender (state non-member banks making between half and twice as many loans). It filed no HMDA report for 2020 to 2022, so those years are a gap in the record. Its typical loan was $145,000, against $165,000 at peers, and its loans totaled $7.0 million.
Some 29.3% of its loans went to low- and moderate-income neighborhoods, against 19.0% at similar banks, higher than about three-quarters of them. On 41 loans, a few loans either way move the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Hiawatha Bank and Trust Company took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.0% · Refinance 36.6% · Other 2.4%
Conventional 100.0% · of 41 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 | 40 | 97.6% |
| Florida | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cedar Rapids | 35 |
| Iowa City | 3 |
| Davenport-Moline-Rock Island | 1 |
| Des Moines-West Des Moines | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R3EV7MGYLQ4776 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2536633 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334488 | 2008–2017 |
Established 15 September 1997. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Hiawatha Bank and Trust Company's data.
Hiawatha Bank and Trust Company's data
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Hiawatha 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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