Cedar Rapids Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
68th5.9% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 320 | 249 | 9.4% | 10.7% | — | $814M |
| 2024 | 268 | 210 | 10.1% | 11.3% | — | $638M |
| 2025 | 233 | 189 | 5.2% | 5.9% | — | $640M |
What Cedar Rapids Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 108 investment properties.
Who gets approved at Cedar Rapids Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 15 | 23.8% |
| $50k – $100k | 41 | 28 | 12.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 21 | 16.0% |
| 35–44 | 27 | 21 | 0.0% |
| 45–54 | 23 | 13 | 13.3% |
Where Cedar Rapids Bank and Trust lends
27 states and 68 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Iowa | 161 | 117 | 7.5% | — | #119 |
| North Carolina | 9 | 9 | 0.0% | — | #645 |
| Texas | 7 | 7 | 0.0% | — | #1,008 |
| Ohio | 6 | 6 | 0.0% | — | #676 |
Frequently asked questions
Cedar Rapids Bank and Trust denied 5.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
In 2025, 74% of its applications were for home purchases, 20% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.