Quad City 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 A 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%
75th4.6% deniedProcesswithdrawn + incomplete share, weight 15%
72nd6.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 180 | 161 | 1.7% | 1.8% | — | $50M |
| 2024 | 342 | 292 | 7.9% | 8.4% | — | $81M |
| 2025 | 117 | 103 | 4.3% | 4.6% | — | $44M |
What Quad City 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, 26 investment properties.
Who gets approved at Quad City Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 20 | 17 | 10.5% |
| $150k – $250k | 21 | 18 | 5.0% |
| Over $250k | 30 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 20 | 9.1% |
| 35–44 | 20 | 17 | 5.6% |
| 55–64 | 23 | 20 | 0.0% |
Where Quad City Bank and Trust lends
14 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Quad City Bank and Trust denied 4.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 75th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 21% for refinancing (including cash-out), and 9% 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.