Applications / Mortgage Analytics / Lenders / Iowa / Quad City Bank and Trust Company
Bettendorf, IA · State member bank · FRS · $2.7 billion assets · 103 loans in 2025
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103
loans originated, 2025
117
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Quad City Bank and Trust Company, a Bettendorf bank, lost most of its 2024 surge in 2025, and its share of its home market fell by more than half.
Loans fell 65% to 103, while similar banks (state member banks making between half and twice as many loans) grew 8%. None of them fell further. But 2024 was the exception: it made 292 loans that year, against 161 in 2023 and between 131 and 270 in the years before.
In Davenport-Moline-Rock Island its share fell from 4.2% to 1.9%, and it ranked 16 of 288 lenders. GreenState Credit Union leads there. The fall in share may simply reflect its return from an unusual 2024.
Its typical loan was $245,000, against $175,000 at similar banks. Jumbo loans (larger than the conforming limit) made up 15.8% of its lending, against 1.4%, higher than at nineteen in twenty of them; the share was 17.1% in 2020, so large loans are nothing new for it. It lent in 13 states, and in 2025 reached Santa Rosa-Petaluma and non-metro New Mexico for the first time.
Low- and moderate-income (LMI) borrowers took 33.3% of its loans, up from 19.4% and higher than at seven in ten similar banks. LMI neighborhoods took 24.5%, against 17.7%. On a loan count this much smaller, part of that rise may reflect which loans remained rather than a new emphasis.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Quad City Bank and Trust Company took 117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.8% · Refinance 19.4% · Home improvement 5.8% · Other 1.0%
Conventional 100.0% · of 103 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 | 68 | 66.0% |
| Illinois | 16 | 15.5% |
| Florida | 4 | 3.9% |
| Missouri | 4 | 3.9% |
| Colorado | 2 | 1.9% |
| Wisconsin | 2 | 1.9% |
| Arizona | 1 | 1.0% |
| California | 1 | 1.0% |
| Georgia | 1 | 1.0% |
| New Mexico | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 82 |
| Cape Coral-Fort Myers | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Greeley | 1 |
| Milwaukee-Waukesha | 1 |
| Phoenix-Mesa-Chandler | 1 |
| Salt Lake City-Murray | 1 |
| Santa Rosa-Petaluma | 1 |
| Savannah | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DWS85AHLUZHB50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2142155 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22142155 | 1995–2017 |
Established 7 January 1994. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Quad City Bank and Trust Company's data.
Quad City Bank and Trust Company's data
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