Applications / Mortgage Analytics / Lenders / Iowa / Home State Bank
Jefferson, IA · State non-member bank · FDIC · $460 million assets · 78 loans in 2025
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78
loans originated, 2025
88
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home State Bank, an Iowa bank in Jefferson, is mainly a home-purchase lender, and its lending held steady in 2025 after two years of decline.
It made 78 loans in 2025, against 76 in 2024, a rise of 3%. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%, and the whole market by 10%, so the bank grew more slowly than most. Its first report was for 2022, when it made 155 loans; the total fell in each of the next two years before settling. The years before 2022 are gaps in the record, not years without lending.
Home purchases were 66.7% of its loans and refinances 32.1%. Home-improvement lending was almost nil, and every loan was conventional, with none backed by a government agency. That is the profile of a bank financing house moves rather than home-equity borrowing.
Its lending reaches 16 counties in three states, centered on Iowa. The largest of its markets is Des Moines-West Des Moines, IA, where GreenState Credit Union leads. Its share rose there and in Ames, IA. Market shares are measured in dollars, and its dollar lending rose much faster than its number of loans, so the gains may reflect a few larger loans rather than more borrowers.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Home State Bank took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 32.1% · Home improvement 1.3%
Conventional 100.0% · of 78 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 | 92.3% |
| Illinois | 5 | 6.4% |
| Wisconsin | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 28 |
| Ames | 12 |
| Lake County | 5 |
| Kenosha | 1 |
| Waterloo-Cedar Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XXX5RVRVYNKY79 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 653947 | 2022–2023 |
Established 1 January 1934. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Home State Bank's data.
Home State Bank's data
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Home 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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