Applications / Mortgage Analytics / Lenders / Iowa / Central Bank / Competition
Central Bank
Storm Lake, IA · State member bank · FRS · $2.3 billion assets · 1,301 loans in 2025
Central Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,301
loans originated, 2025
1,621
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Who Central 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 — DES MOINES-WEST DES MOINES, IA, 2025
Central Bank ranks 12th of 396 lenders in Des Moines-West Des Moines, IA, with $111.9M lent: 2.0% 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 Central 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 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO IOWA, 2025
Central Bank ranks 6th of 465 lenders in non-metro Iowa, with $93.3M lent: 2.8% 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 Central 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. 3 — SIOUX FALLS, MN-SD, 2025
Central Bank ranks 7th of 204 lenders in Sioux Falls, MN-SD, with $80.3M lent: 3.7% of a $2.14B market.
Sioux Falls, MN-SD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central 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 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SIOUX CITY, IA-NE-SD, 2025
Central Bank ranks 1st of 167 lenders in Sioux City, IA-NE-SD, with $57.4M lent: 9.4% of a $612.0M market.
Sioux City, IA-NE-SD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central 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 53% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO SOUTH DAKOTA, 2025
Central Bank ranks 36th of 239 lenders in non-metro South Dakota, with $9.1M lent: 0.6% of a $1.47B market.
non-metro South Dakota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central 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 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CLEVELAND, OH, 2025
Central Bank ranks 415th of 577 lenders in Cleveland, OH, with $425K lent: 0.0% of a $11.41B market.
Cleveland, OH is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central 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 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ENID, OK, 2025
Central Bank ranks 76th of 114 lenders in Enid, OK, with $235K lent: 0.1% of a $172.4M market.
Enid, OK is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central 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 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — MANHATTAN, KS, 2025
Central Bank ranks 173rd of 209 lenders in Manhattan, KS, with $185K lent: 0.0% of a $677.4M market.
Manhattan, KS is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central 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 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Central Bank's data
$215
Central 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.
Buy Central Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]