Applications / Mortgage Analytics / Lenders / Iowa / Denver Savings Bank
Denver, IA · State non-member bank · FDIC · $256 million assets · 77 loans in 2025
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77
loans originated, 2025
79
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Denver Savings Bank grew 64% in 2025 and gained ground in Waterloo-Cedar Falls, where it ranks ninth.
Its loans rose from 47 to 77. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%; more than nine in ten peers grew more slowly. The amount it lent about doubled, from $9.4 million to $19.7 million. It made 130 loans in 2020, so 2025 recovered part of a long fall.
In Waterloo-Cedar Falls, where it has lent since at least 1990, its share rose from 1.1% to 2.0%, and it ranked 9 of 168 lenders. Veridian Credit Union and GreenState Credit Union lead there.
Low- and moderate-income (LMI) borrowers took 44.6% of its loans, against 27.3% at peers, more than at over nine in ten of them, and up from 29.0%. Its share in poorer neighborhoods fell from 29.8% to 10.4%, lower than peers' 18.8%. On 47 loans in 2024, a few loans could swing that figure.
Purchases made up 72.7% of its loans and refinances 26.0%, all conventional. Its typical loan was $145,000, against $175,000 at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Denver Savings Bank took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.7% · Refinance 26.0% · Other 1.3%
Conventional 100.0% · of 77 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 | 75 | 97.4% |
| Minnesota | 1 | 1.3% |
| Wisconsin | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waterloo-Cedar Falls | 58 |
| Davenport-Moline-Rock Island | 2 |
| Iowa City | 2 |
| Des Moines-West Des Moines | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JG0TE6ZVYQ7857 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 220844 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312857 | 1990–2017 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Denver Savings Bank's data.
Denver Savings Bank's data
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Denver Savings 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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