Applications / Mortgage Analytics / Lenders / Iowa / Earlham Savings Bank
West Des Moines, IA · State non-member bank · FDIC · $378 million assets · 63 loans in 2025
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63
loans originated, 2025
82
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Earlham Savings Bank, a Des Moines-area refinance lender, made 63 loans in 2025, 19% fewer than in 2024, while similar lenders grew 9%.
Its loans fell from 78 to 63. The fall put it below about nine in ten similar lenders (state non-member banks making between half and twice as many loans). Its lending fell to $15.3 million from $21.8 million. One possible reason is that it made no jumbo loans (larger than the conforming limit) in 2025, after 6.8% in 2024. At under 100 loans a year, a few loans more or fewer make a large difference.
Refinances made up 52.4% of its loans and home purchases 34.9%, all conventional. Its typical loan was $155,000, close to the $165,000 at similar lenders.
It made 35.5% of its loans to low- and moderate-income (LMI) borrowers, against 26.9% at similar lenders, more than about seven in ten of them. Its shares in LMI areas (14.3%) and majority-minority areas (2.0%) were lower than peers'. The neighborhoods of the Des Moines area and the rural Iowa counties it serves may explain that.
It has lent in Des Moines-West Des Moines, IA since at least 1990. There it ranked 79 of 396 lenders, and its share fell from 0.4% to 0.2%; GreenState Credit Union leads. In Ames its share went from 0.2% to 0.1%. Both falls may simply follow its smaller total of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Earlham Savings Bank took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.4% · Purchase 34.9% · Other 7.9% · Home improvement 4.8%
Conventional 100.0% · of 63 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 | 49 | 77.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 45 |
| Ames | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006D5TDDSA5NA741 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 645540 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35796 | 1990–2017 |
Established 1 January 1931. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Earlham Savings Bank's data.
Earlham Savings Bank's data
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Earlham 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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