Applications / Mortgage Analytics / Lenders / Iowa / BankIowa
Cedar Rapids, IA · State non-member bank · FDIC · $824 million assets · 207 loans in 2025
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207
loans originated, 2025
236
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BankIowa nearly doubled its share in Waterloo-Cedar Falls in 2025, to 3.9%, and now ranks 4 of 168 lenders there.
It has lent in Waterloo-Cedar Falls since 1998, and its share there rose from 2.0% to 3.9%. Only Veridian Credit Union, GreenState Credit Union and Farmers State Bank lend more. In Cedar Rapids it holds 0.3%, ranking 41 of 210.
It made 207 loans, down 1%, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. Its dollar total, though, rose to $48.9 million from $24.1 million.
Its typical loan was $85,000, against $175,000 at similar lenders, smaller than at about nineteen in twenty of them. Purchases were 58.0% of its loans; other purposes and home improvement made up much of the rest, a mix that may bring the typical size down. All its loans were conventional.
Low- and moderate-income (LMI) neighborhoods took 30.9% of its loans, against 17.3% at similar lenders, higher than at more than four in five. In 2020 the share was 8.1%. Majority-minority areas took 20.8%, against 6.5%. LMI borrowers took 34.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BankIowa took 236 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.0% · Refinance 19.8% · Other 12.6% · Home improvement 9.7%
Conventional 100.0% · of 207 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 | 205 | 99.0% |
| Montana | 1 | 0.5% |
| Wisconsin | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waterloo-Cedar Falls | 108 |
| Cedar Rapids | 30 |
| Iowa City | 4 |
| Ames | 3 |
| Davenport-Moline-Rock Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930038YN5XV3SDVZ83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 737548 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312860 | 1998–1998 |
| Respondent ID (the HMDA filer code before 2018) | 317282 | 2000–2017 |
Established 1 January 1881. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: BankIowa's data.
BankIowa's data
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