Applications / Mortgage Analytics / Lenders / Iowa / First National Bank, Ames, Iowa
Ames, IA · National bank · OCC · $1.1 billion assets · 141 loans in 2025
First National Bank, Ames, Iowa's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
141
loans originated, 2025
201
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank, Ames, Iowa made only 4% more loans in 2025, but its dollar lending nearly doubled and it gained ground in its home market.
Lending rose to $59.5 million from $32.3 million, while the number of loans rose 4%, slower than the 6% at similar lenders (national banks making between half and twice as many loans). The typical loan rose to $175,000 from $150,000, yet none was jumbo, or larger than the conforming limit. A few bigger loans within the limit may account for most of the extra dollars.
In Ames, IA it ranked 7 of 189 lenders with 4.0% of the market, up 0.6 points; Iowa Bankers Mortgage led. In Des Moines-West Des Moines, IA its share doubled to 0.6% from 0.3%.
Low- and moderate-income (LMI) borrowers took 35.2% of its loans, against 24.5% at peers, more than at about four in five similar lenders. Only 1.4% went to majority-minority areas, against 7.4% at peers. It lends in one state and 12 counties, where such areas may be few.
Its 141 loans were about half the 285 it made in 2020. Home improvement made up 11.3% of its loans and refinances 28.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank, Ames, Iowa took 201 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.2% · Refinance 28.4% · Home improvement 11.3% · Other 7.1%
Conventional 100.0% · of 141 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 | 141 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ames | 65 |
| Des Moines-West Des Moines | 39 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OIJZOV6CPR1Y57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 820048 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110408 | 2004–2017 |
Established 22 May 1903. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First National Bank, Ames, Iowa's data.
First National Bank, Ames, Iowa's data
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First National Bank, Ames, Iowa 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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