Applications / Mortgage Analytics / Lenders / Iowa / American Bank and Trust Company
Davenport, IA · National bank · OCC · $468 million assets · 222 loans in 2025
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222
loans originated, 2025
263
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank and Trust Company lends mostly to home buyers, and nearly half its 2025 loans went to low- and moderate-income borrowers, a larger share than at almost any similar bank.
Low- and moderate-income (LMI) borrowers took 47.0% of its loans, against 24.7% at similar lenders, national banks making between half and twice as many loans. Five years earlier the share was 28.7%. Purchases were 70.7% of its lending, and its typical loan, $145,000, was smaller than the $200,000 at its peers.
Loans insured by the Federal Housing Administration (FHA) were 9.5% of its lending, and those guaranteed by the Department of Veterans Affairs (VA) 5.0%. Similar banks typically make neither; it made more of both than about nine in ten of them.
It ranked 14th of 288 lenders in Davenport-Moline-Rock Island, where it has lent since 1990, counting the bank it merged with in 1999, with 2.0% of the market against 2.1% a year earlier. GreenState Credit Union led. So small a slip could reflect a busier year for rivals as easily as anything the bank did.
It made 222 loans, up 13%, while similar banks grew 5% and the whole market 10%. That is still far below the 919 it made in 2020. It turned down 4.4% of first-lien home-purchase applications, against 6.4% at the 54 similar banks with a rate, and only 1.0% of its loans were higher-priced (a rate well above the average for similar loans).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Bank and Trust Company took 263 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.7% · Refinance 20.7% · Other 5.0% · Home improvement 3.6%
Conventional 85.1% · FHA 9.5% · VA 5.0% · USDA (RHS or FSA) 0.5% · of 222 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 |
|---|---|---|
| Illinois | 115 | 51.8% |
| Iowa | 94 | 42.3% |
| Michigan | 3 | 1.4% |
| Wisconsin | 3 | 1.4% |
| Missouri | 2 | 0.9% |
| Arizona | 1 | 0.5% |
| Florida | 1 | 0.5% |
| New Jersey | 1 | 0.5% |
| Ohio | 1 | 0.5% |
| Texas | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 169 |
| Elgin | 8 |
| Chicago-Naperville-Schaumburg | 7 |
| Peoria | 4 |
| Niles | 3 |
| Cincinnati | 1 |
| Des Moines-West Des Moines | 1 |
| Duluth | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Lakewood-New Brunswick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AQ83ZR1PW5DB53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2733263 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334955 | 1999–2001 |
| Respondent ID (the HMDA filer code before 2018) | 124369 | 2003–2017 |
Established 5 January 1999. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: American Bank and Trust Company's data.
American Bank and Trust Company's data
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American 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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