Applications / Mortgage Analytics / Lenders / Iowa / First Central State Bank
Dewitt, IA · State non-member bank · FDIC · $775 million assets · 225 loans in 2025
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225
loans originated, 2025
269
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Central State Bank grew 23% in 2025, faster than about three in four similar banks, and makes plain, conventional loans at lower rates than most.
Originations rose 23% to 225, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. The count is still below the 470 it made in 2021. Purchases were 64.0% of its loans.
Low- and moderate-income (LMI) borrowers took 34.8% of its loans, against 27.9% at similar lenders, up from 19.1% five years before. LMI neighborhoods took 14.9%, against 17.7%. The Iowa and Davenport markets where most of its lending is are one possible reason for the lower neighborhood share.
All its loans were conventional and none were jumbo (larger than the conforming limit). None were higher-priced (at a rate well above the average for similar loans), against 2.1% at peers. Its typical rate, 6.69%, was lower than at about seven in ten similar lenders.
In Davenport-Moline-Rock Island, where it has lent since 1994, its share rose from 1.1% to 1.4% and it ranked 20 of 288 lenders. GreenState Credit Union led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Central State Bank took 269 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.0% · Refinance 28.4% · Home improvement 6.7% · Other 0.9%
Conventional 100.0% · of 225 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 | 186 | 82.7% |
| Illinois | 32 | 14.2% |
| Arkansas | 2 | 0.9% |
| Florida | 2 | 0.9% |
| Arizona | 1 | 0.4% |
| Minnesota | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 88 |
| Fayetteville-Springdale-Rogers | 2 |
| Cedar Rapids | 1 |
| Columbia | 1 |
| Dubuque | 1 |
| Flagstaff | 1 |
| Punta Gorda | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005L8AW1CTD9HZ03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 639549 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319716 | 1994–2017 |
Established 12 June 1967. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Central State Bank's data.
First Central State Bank's data
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First Central State 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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