Applications / Mortgage Analytics / Lenders / Iowa / Green Belt Bank & Trust
Iowa Falls, IA · State non-member bank · FDIC · $740 million assets · 73 loans in 2025
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73
loans originated, 2025
81
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Green Belt Bank & Trust, a rural Iowa bank, lends to modest buyers: its typical loan is $105,000, against $175,000 at similar banks, and two in five of its loans go to low- and moderate-income borrowers.
Its typical loan was lower than at about nine in ten similar lenders (state non-member banks making between half and twice as many loans). Low- and moderate-income (LMI) borrowers took 39.6% of its loans, against 27.1%, more than at about four in five similar banks. Purchases made up 58.9% of its lending.
Only 2.7% of its loans went to LMI neighborhoods, against 18.5% at similar banks, and none to majority-minority neighborhoods. Its largest market is non-metro Iowa, which may hold few such neighborhoods.
It made 251 loans in 2020 and 73 in 2025, close to the 74 of a year earlier. Similar banks grew 9% in 2025 and the whole market 10%. The 2020 total may have been an unusual high rather than its normal level: it made 145 loans in 2019.
In Waterloo-Cedar Falls, where it has lent since 2011, its share fell to 0.2% from 0.6%, leaving it 35 of 168 lenders. Veridian Credit Union and GreenState Credit Union lead. At its size a few loans more or fewer swing such a share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Green Belt Bank & Trust took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.9% · Refinance 32.9% · Home improvement 6.8% · Other 1.4%
Conventional 100.0% · of 73 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 | 72 | 98.6% |
| Missouri | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waterloo-Cedar Falls | 18 |
| Ames | 3 |
| Cedar Rapids | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JGL6C3EZEB8H05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 803649 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326760 | 2011–2017 |
Established 31 July 1986. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Green Belt Bank & Trust's data.
Green Belt Bank & Trust's data
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Green Belt Bank & Trust 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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