Applications / Mortgage Analytics / Lenders / Iowa / Atkins Savings Bank & Trust
Atkins, IA · State non-member bank · FDIC · $172 million assets · 33 loans in 2025
Atkins Savings Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
33
loans originated, 2025
37
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Atkins Savings Bank & Trust, an Iowa bank with $172 million in assets, is a small mortgage lender whose largest market is Cedar Rapids: it made 33 loans in 2025.
The bank made 33 loans worth $5.2 million in 2025, up from 29 a year earlier. Similar lenders (state non-member banks making between half and twice as many loans) typically made 44. It filed no report for 2018 to 2022; those years are gaps in the record, not years without lending.
Purchases were 39.4% of its loans and refinances 30.3%. The rest, about three in ten, went to home improvement and other purposes. Every loan was conventional, with no government guarantee.
Its typical loan was $105,000, smaller than at nearly nine in ten similar lenders, where it was $167,500. With only 33 loans, a handful of large or small ones can move that figure a long way.
Its largest market is Cedar Rapids, where it ranked 44 of 210 lenders with 0.2% of lending, unchanged from 2024. GreenState Credit Union and Hills Bank and Trust Company lead there. The bank has lent in Cedar Rapids since 2007, the year it first reported.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Atkins Savings Bank & Trust took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.4% · Refinance 30.3% · Other 18.2% · Home improvement 12.1%
Conventional 100.0% · of 33 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 | 31 | 93.9% |
| Florida | 1 | 3.0% |
| South Dakota | 1 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cedar Rapids | 23 |
| Iowa City | 3 |
| Davenport-Moline-Rock Island | 1 |
| Sioux Falls | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500HRLC4E0APLYS82 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 739346 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39096 | 2007–2016 |
Established 15 April 1915. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Atkins Savings Bank & Trust's data.
Atkins Savings Bank & Trust's data
$215
Atkins Savings 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 Atkins Savings 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]