Applications / Mortgage Analytics / Lenders / Iowa / Citizens State Bank
Monticello, IA · State non-member bank · FDIC · $596 million assets · 135 loans in 2025
Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
135
loans originated, 2025
175
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
More than half the borrowers of Citizens State Bank have low or moderate incomes, a larger share than at nearly every similar bank.
Borrowers with low or moderate incomes (LMI) took 53.8% of its loans, against 27.9% at similar lenders (state non-member banks making between half and twice as many loans). LMI neighborhoods took only 3.0%, against 17.6%, and it made no loans in majority-minority areas. That may simply reflect the 12 counties where it lends; its largest market is non-metro Iowa.
Its typical loan was $125,000, against $175,000 at similar lenders. Every loan was conventional. Purchases took 59.3% of its loans and refinancing 33.3%.
Its loans rose 15%, from 117 to 135, against 9% at similar lenders. In Cedar Rapids, IA it ranks 28 of 210, with 0.6%, up from 0.5%. In Dubuque, IA, where it has lent since at least 1990, its share fell to 0.1% from 0.4%. Its lending may have moved toward other markets, or a few loans may have made the difference in a small market. It is still well below the 431 loans it made in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens State Bank took 175 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.3% · Refinance 33.3% · Home improvement 3.7% · Other 3.7%
Conventional 100.0% · of 135 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 | 135 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cedar Rapids | 59 |
| Dubuque | 2 |
| Waterloo-Cedar Falls | 2 |
| Iowa City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900P6952HH7CVAC87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 795548 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39047 | 2004–2017 |
Established 11 March 1931. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank's data.
Citizens State Bank's data
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