Applications / Mortgage Analytics / Lenders / Iowa / Guthrie County State Bank
Panora, IA · State non-member bank · FDIC · $279 million assets · 50 loans in 2025
Guthrie County State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
50
loans originated, 2025
52
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guthrie County State Bank, a small Iowa lender, sends more of its loans to low- and moderate-income borrowers than most similar banks, and its lending rose 11% in 2025.
The bank filed no reports for 2020, 2021 and 2022, so those years are gaps, not years without lending. Since then its count has climbed from 34 in 2023 to 45 in 2024 and 50 in 2025. That 11% rise compares with 4% for similar lenders, which here means state non-member banks making between half and twice as many loans.
Some 37.5% of its loans went to low- and moderate-income borrowers, against 27.5% for similar banks, higher than about three in four of them. Its typical loan was $115,000, against $165,000 at peers. Purchases were 46.0% of its loans, other loans 30.0% and refinances 24.0%.
Its largest market is Des Moines-West Des Moines, where it has lent since 2004 and holds a steady 0.2% share, ranking 90 of 396 lenders. GreenState Credit Union leads that market, followed by Veridian Credit Union. It also lends in rural Iowa and, since 2025, in Dubuque.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Guthrie County State Bank took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.0% · Other 30.0% · Refinance 24.0%
Conventional 100.0% · of 50 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 | 50 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 43 |
| Ames | 1 |
| Dubuque | 1 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VI416LTAV9J614 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 969844 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3226 | 2004–2017 |
Established 17 October 1931. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Guthrie County State Bank's data.
Guthrie County State Bank's data
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Guthrie County 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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