Applications / Mortgage Analytics / Lenders / Iowa / Westside State Bank
Westside, IA · State non-member bank · FDIC · $255 million assets · 129 loans in 2025
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129
loans originated, 2025
131
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westside State Bank, which first reported under HMDA in 2023, made 129 loans in 2025, a 13% rise that put its growth close to the middle of similar banks and a little above the whole market's 10%.
The bank reported 72 loans in 2023, 114 in 2024 and 129 in 2025. It filed no report from 2018 to 2022, which leaves a gap in the record rather than years without lending. Similar lenders here are state non-member banks making between half and twice as many loans; their growth was 9%.
Its typical loan was $125,000, lower than about four in five similar banks, and 33.6% of its borrowers were LMI (low- and moderate-income), higher than about seven in ten. Purchase loans were 53.5% of its lending and refinance 34.1%, so it may mainly finance modest homes in small Iowa towns.
Only 7.0% of its loans were in LMI tracts, lower than about nine in ten similar banks. That may reflect where it lends: its 18 counties could contain few tracts classed as lower-income, so its LMI borrowers may live in middle-income areas.
It ranks 63 of 465 lenders in non-metro Iowa, its largest market, and entered Omaha in 2023 and non-metro Colorado and Indianapolis in 2025, where its shares are still too small to read much into.
Questions the data can answer next
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Westside State Bank took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.5% · Refinance 34.1% · Other 9.3% · Home improvement 3.1%
Conventional 100.0% · of 129 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 | 97 | 75.2% |
| Nebraska | 30 | 23.3% |
| Colorado | 1 | 0.8% |
| Indiana | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 35 |
| Des Moines-West Des Moines | 5 |
| Ames | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XQNDJJMBTOTK04 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 972143 | 2023–2023 |
Established 1 June 1907. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Westside State Bank's data.
Westside State Bank's data
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Westside 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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