Applications / Mortgage Analytics / Lenders / Iowa / Home State Bank / Competition
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
Who Home State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DES MOINES-WEST DES MOINES, IA, 2025
Home State Bank ranks 65th of 396 lenders in Des Moines-West Des Moines, IA, with $15.0M lent: 0.3% of a $5.55B market.
Des Moines-West Des Moines, IA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Home State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — AMES, IA, 2025
Home State Bank ranks 28th of 189 lenders in Ames, IA, with $4.5M lent: 0.8% of a $553.5M market.
Ames, IA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Home State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO IOWA, 2025
Home State Bank ranks 135th of 465 lenders in non-metro Iowa, with $4.3M lent: 0.1% of a $3.38B market.
non-metro Iowa is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Home State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
Home State Bank ranks 648th of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $945K lent: 0.0% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Home State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — WATERLOO-CEDAR FALLS, IA, 2025
Home State Bank ranks 58th of 168 lenders in Waterloo-Cedar Falls, IA, with $845K lent: 0.1% of a $771.9M market.
Waterloo-Cedar Falls, IA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Home State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 74% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — KENOSHA, WI, 2025
Home State Bank ranks 186th of 257 lenders in Kenosha, WI, with $325K lent: 0.0% of a $933.9M market.
Kenosha, WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Home State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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