Applications / Mortgage Analytics / Lenders / Iowa / Availa Bank
Carroll, IA · State non-member bank · FDIC · $1.7 billion assets · 331 loans in 2025
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331
loans originated, 2025
387
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Availa Bank made 41% more loans in 2025 than a year earlier, faster growth than at about nine in ten similar banks, but its loans are small and its dollar total fell.
Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. The bank's count jumped to 331 from 235. Yet its dollar total fell, to $63.2 million from $73.2 million. Its typical loan was $105,000, against $175,000 at peers, among the lowest tenth of them.
Refinances made up 52.3% of its loans and purchases 42.0%. Every loan was conventional, with no government backing. Its yearly count has swung between 235 and 373 since 2018.
Low- and moderate-income (LMI) borrowers took 34.5% of its loans, up from 24.1% and above the 28.0% at similar lenders. About three in four peers had a lower share. Its share in LMI neighborhoods slipped to 26.0% from 32.8%, but stayed above peers' 16.7%.
Its share in Sioux City rose to 1.8% from 0.7%, ranking it 16 of 167 lenders. In Ames it fell to 0.9% from 2.2%. With fewer dollars lent in all, the bank may have shifted its lending toward other markets such as Sioux City. Its biggest market is non-metro Iowa, where it ranked 35 of 465.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Availa Bank took 387 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.3% · Purchase 42.0% · Home improvement 3.3% · Other 2.4%
Conventional 100.0% · of 331 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 | 291 | 87.9% |
| Nebraska | 24 | 7.3% |
| South Dakota | 12 | 3.6% |
| Florida | 1 | 0.3% |
| Missouri | 1 | 0.3% |
| North Carolina | 1 | 0.3% |
| Oregon | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 78 |
| Sioux City | 65 |
| Des Moines-West Des Moines | 32 |
| Ames | 21 |
| Corvallis | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Rapid City | 1 |
| Sioux Falls | 1 |
| Waterloo-Cedar Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MP1N04YL1TZP61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 859141 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311771 | 2005–2017 |
Established 1 January 1870. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Availa Bank's data.
Availa Bank's data
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