A 43% jump
It made 289 loans in 2025, up 43% from 202. Similar lenders (state non-member banks making between half and twice as many loans) typically grew 8%, and the whole market 10%. Purchase loans were 68.5% of its lending and refinances 25.3%.
Applications / Mortgage Analytics / Lenders / Iowa / Ohnward Bank & Trust
Ohnward Bank & Trust
Cascade, IA · State non-member bank · FDIC · $482 million assets · 289 loans in 2025
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289
loans originated, 2025
325
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ohnward Bank & Trust grew faster in 2025 than more than nine in ten similar banks, on the back of purchase lending, and gained ground in Cedar Rapids.
Gaining in Cedar Rapids
Its share in Cedar Rapids rose 0.6 points to 2.7%, for a rank of 9 of 210. GreenState Credit Union and Hills Bank and Trust Company lead there. In Iowa City its share slipped 0.1 points to 0.7%. In 2025 it entered several metros outside Iowa, including Charleston-North Charleston and Denver-Aurora-Centennial, and it now lends in 13 states.
Few purchase denials
It turned down 3.0% of home-purchase applications, against 4.8% at similar lenders. That was lower than at about seven in ten of the 148 with a rate.
Lending to poorer borrowers
Low- and moderate-income (LMI) borrowers took 30.8% of its loans, against 28.1% at peers, higher than at about three in five similar lenders. LMI areas took 17.3%, near the middle. None of its loans were in majority-minority areas, against 6.7% at peers, which may reflect the Iowa counties it mainly serves.
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
289 loans in 2025, against a peak of 514 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Ohnward Bank & Trust took 325 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
68.5% of its 2025 loans were purchase loans; 98.6% were conventional loans.
Purchase 68.5% · Refinance 25.3% · Home improvement 3.5% · Other 2.8%
Conventional 98.6% · FHA 0.7% · VA 0.7% · of 289 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
13 states, 17 metros, 37 counties
| State | Loans | Share |
|---|---|---|
| Iowa | 273 | 94.5% |
| Florida | 2 | 0.7% |
| Kansas | 2 | 0.7% |
| Minnesota | 2 | 0.7% |
| Missouri | 2 | 0.7% |
| Colorado | 1 | 0.3% |
| Illinois | 1 | 0.3% |
| Indiana | 1 | 0.3% |
| North Carolina | 1 | 0.3% |
| Ohio | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Cedar Rapids | 198 |
| Iowa City | 23 |
| Des Moines-West Des Moines | 11 |
| Dubuque | 3 |
| Kansas City | 3 |
| Waterloo-Cedar Falls | 3 |
| Davenport-Moline-Rock Island | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XMCDBXHD84QD46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 761543 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310111 | 1995–2017 |
Established 28 February 1903. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Ohnward Bank & Trust's data.
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