Applications / Mortgage Analytics / Lenders / Iowa / Blue Grass Savings Bank
Blue Grass, IA · State non-member bank · FDIC · $221 million assets · 116 loans in 2025
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116
loans originated, 2025
117
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blue Grass Savings Bank, a small Iowa lender, makes some of the smallest home loans of any similar lender, and a third of them go to poorer neighborhoods.
Its typical loan was $85,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than about nineteen in twenty of them. Every loan was conventional. Home purchases made up 56.9% of its loans, refinances 23.3% and home improvement 19.8%.
Low- and moderate-income (LMI) neighborhoods took 33.9% of its loans, against 18.0% at similar lenders, higher than more than four in five. LMI borrowers took 21.2%, lower than at the typical peer. With only 116 loans a year in 6 counties, small changes in who applies can move that share a long way. Its home-improvement borrowers already own homes and may earn more.
Its loans rose 5%, against 9% at similar lenders and 10% for the whole market, and have stayed between 111 and 167 a year since 2018. In Davenport-Moline-Rock Island, where it has lent since at least 1990, it ranked 23 of 288 lenders with 0.9% of the market, down 0.1 points. Its dollar total barely moved, from $15.5 million to $15.9 million.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blue Grass Savings Bank took 117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.9% · Refinance 23.3% · Home improvement 19.8%
Conventional 100.0% · of 116 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 | 88 | 75.9% |
| Illinois | 27 | 23.3% |
| Florida | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 106 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HR2TLJ7IGFMV18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 794345 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313753 | 1990–2017 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Blue Grass Savings Bank's data.
Blue Grass Savings Bank's data
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Blue Grass Savings 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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