Applications / Mortgage Analytics / Lenders / Iowa / Community Savings Bank
Edgewood, IA · State non-member bank · FDIC · $618 million assets · 180 loans in 2025
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180
loans originated, 2025
248
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Savings Bank, an Iowa lender, makes more of its loans to borrowers of modest means than more than eight in ten similar lenders. Its loans rose 12% to 180 in 2025.
It made 180 loans, up from 160, close to the 10% growth of similar lenders (state non-member banks making between half and twice as many loans) and of the whole market. The value of its loans rose to $31.0 million from $22.1 million. It is still far below the 726 loans of 2020, a fall that may reflect fewer refinances, now 25.6% of its loans.
Borrowers with low or moderate incomes (LMI) took 37.0% of its loans, against 27.7% at its peers. Only 5.0% of its loans were in LMI neighborhoods, against 17.6%, among the lowest tenth. Its largest market is non-metro Iowa, and the areas it serves may have few such neighborhoods.
Purchases were 50.0% of its loans, refinances 25.6%, and home improvement and other purposes 12.2% each. Its typical loan, $125,000, was smaller than at about four in five peers, which may reflect its share of home-improvement and other loans.
In Dubuque, IA its share rose to 0.8% from 0.5%, ranking it 19 of 114 lenders. In Cedar Rapids, IA, where it has lent since at least 1990, it ranks 31 of 210 with an unchanged 0.5%. GreenState Credit Union leads both Cedar Rapids and non-metro Iowa.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Savings Bank took 248 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 25.6% · Home improvement 12.2% · Other 12.2%
Conventional 97.2% · USDA (RHS or FSA) 2.8% · of 180 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 | 176 | 97.8% |
| Illinois | 2 | 1.1% |
| Wisconsin | 2 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cedar Rapids | 45 |
| Dubuque | 23 |
| Des Moines-West Des Moines | 8 |
| Iowa City | 4 |
| Ames | 2 |
| Waterloo-Cedar Falls | 2 |
| Davenport-Moline-Rock Island | 1 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SPZRGOBHSHRP90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 646743 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314633 | 2005–2017 |
Established 10 January 1910. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Community Savings Bank's data.
Community Savings Bank's data
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Community 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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