Applications / Mortgage Analytics / Lenders / Iowa / American State Bank / Competition
American State Bank
Osceola, IA · State member bank · FRS · $348 million assets · 94 loans in 2025
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94
loans originated, 2025
102
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who American State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO IOWA, 2025
American State Bank ranks 95th of 465 lenders in non-metro Iowa, with $6.8M lent: 0.2% of a $3.38B market.
non-metro Iowa is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and American State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — DES MOINES-WEST DES MOINES, IA, 2025
American State Bank ranks 119th of 396 lenders in Des Moines-West Des Moines, IA, with $5.0M lent: 0.1% of a $5.55B market.
Des Moines-West Des Moines, IA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and American State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — AMES, IA, 2025
American State Bank ranks 138th of 189 lenders in Ames, IA, with $235K lent: 0.0% of a $553.5M market.
Ames, IA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and American State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO MISSOURI, 2025
American State Bank ranks 574th of 640 lenders in non-metro Missouri, with $180K lent: 0.0% of a $6.01B market.
non-metro Missouri is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and American State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
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American 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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