Applications / Mortgage Analytics / Lenders / Iowa / Peoples Bank
Clive, IA · State member bank · FRS · $494 million assets · 149 loans in 2025
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149
loans originated, 2025
208
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank, a Clive, Iowa bank, made 59% more loans in 2025, a faster rise than at more than nine in ten similar banks.
Originations rose from 94 to 149, while similar lenders (state member banks making between half and twice as many loans) grew 8%. The count is still below the 277 loans of 2019. Home purchases made up 63.1% of its loans, all of them conventional.
Low- and moderate-income (LMI) borrowers took 43.9% of its loans, against 27.4% at similar lenders, more than at almost all of them. A year earlier the figure was 23.2%. With 149 loans, a few dozen loans to one group can move this share a long way.
In Ames its share rose from 0.4% to 0.9%, ranking it 25 of 189. In Des Moines-West Des Moines it ranks 44 of 396, with 0.5% of the market, down from 0.6%. A few loans more or less could account for that. GreenState Credit Union leads there.
Its typical loan was $215,000, against $175,000 at its peers and at the bank itself in 2024. In 2020 it was $65,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Bank took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.1% · Refinance 30.2% · Home improvement 6.7%
Conventional 100.0% · of 149 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 | 138 | 92.6% |
| Florida | 3 | 2.0% |
| Colorado | 2 | 1.3% |
| Alabama | 1 | 0.7% |
| Arizona | 1 | 0.7% |
| California | 1 | 0.7% |
| Kansas | 1 | 0.7% |
| Minnesota | 1 | 0.7% |
| Ohio | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 92 |
| Ames | 19 |
| Denver-Aurora-Centennial | 2 |
| Tampa | 2 |
| Birmingham | 1 |
| Columbus | 1 |
| Davenport-Moline-Rock Island | 1 |
| Kansas City | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QIPUZ7PAK59X63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 968249 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314692 | 2002–2017 |
Established 17 March 1917. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Peoples Bank's data.
Peoples Bank's data
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Peoples 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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