Applications / Mortgage Analytics / Lenders / Iowa / Liberty Trust & Savings Bank
Durant, IA · State non-member bank · FDIC · $181 million assets · 21 loans in 2025
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21
loans originated, 2025
23
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Trust & Savings Bank is a one-county lender in the Davenport market that has reported since 1990 and made 21 home loans in 2025.
Home improvement accounted for 23.8% of its loans, beside a third each for purchases and refinances. Its typical loan was $65,000, against $180,000 at similar lenders (state non-member banks making between half and twice as many loans). The home-improvement work may explain much of that difference, though on 21 loans the typical size can move a long way in a year.
The bank made 21 loans in 2025, down from 26, a fall of 19%; similar lenders' loans fell 12%. On numbers this small, its shares of borrower groups and neighborhoods can swing widely from year to year, so they say little about its business.
It filed no report for 2020, 2021 or 2022, years when a bank making fewer than 100 closed-end loans need not report. Those are gaps in the record, not years without lending. It made 38 loans in 2018 and 24 in 2023.
All its lending is in one Iowa county in the Davenport-Moline-Rock Island market, where it has reported since 1990. Its share there was 0.0% against 0.1% a year earlier, ranking it 231 of 288 lenders, in a market led by GreenState Credit Union. With so few loans, a handful either way could explain the change.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Liberty Trust & Savings Bank took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Refinance 33.3% · Home improvement 23.8% · Other 9.5%
Conventional 100.0% · of 21 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 | 3 | 14.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490098IO3YI0XADR55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 644646 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310121 | 1990–2017 |
Established 1 January 1905. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Liberty Trust & Savings Bank's data.
Liberty Trust & Savings Bank's data
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Liberty Trust & Savings Bank 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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