Applications / Mortgage Analytics / Lenders / Iowa / Community State Bank
Ankeny, IA · State member bank · FRS · $1.7 billion assets · 100 loans in 2025
Community State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
100
loans originated, 2025
117
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community State Bank, an Iowa bank, lends to poorer borrowers about twice as often as similar lenders, and unlike most of them it also buys loans.
Low- and moderate-income (LMI) borrowers took 54.2% of its loans, against 27.1% at similar lenders (state member banks making between half and twice as many loans), among the highest of them. LMI areas took 29.0%, against 17.9%, higher than about four in five.
It bought 18 loans, where similar lenders typically bought none, more than nearly all of them. It bought 25 the year before.
Originations rose 8% to 100, the same as similar lenders. Its dollar total jumped from $63.0 million to $107.2 million, higher than about nine in ten peers, though its typical loan was $215,000. A few much larger loans could account for the gap.
It ranked 17 of 396 lenders in Des Moines-West Des Moines, where its share rose 0.4 points to 1.6%, and 8 of 189 in Ames. These shares are by dollars, so any such large loans would weigh heavily in them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community State Bank took 117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Refinance 38.0% · Home improvement 4.0% · Other 4.0%
Conventional 100.0% · of 100 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 | 99 | 99.0% |
| Missouri | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 92 |
| Ames | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JVXDPLF4P32H95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 790543 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318272 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 124403 | 2003–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2790543 | 2017–2017 |
Established 15 July 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community State Bank's data.
Community State Bank's data
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Community 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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