Applications / Mortgage Analytics / Lenders / Iowa / Houghton State Bank / Competition
Houghton State Bank
Red Oak, IA · State non-member bank · FDIC · $210 million assets · 45 loans in 2025
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45
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who Houghton State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO IOWA, 2025
Houghton State Bank ranks 194th of 465 lenders in non-metro Iowa, with $2.1M lent: 0.1% of a $3.38B market.
non-metro Iowa is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Houghton State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — OMAHA, IA-NE, 2025
Houghton State Bank ranks 331st of 417 lenders in Omaha, IA-NE, with $360K lent: 0.0% of a $8.07B market.
Omaha, IA-NE is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Houghton State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — DES MOINES-WEST DES MOINES, IA, 2025
Houghton State Bank ranks 379th of 396 lenders in Des Moines-West Des Moines, IA, with $115K lent: 0.0% of a $5.58B market.
Des Moines-West Des Moines, IA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Houghton State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Houghton State 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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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.
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