Applications / Mortgage Analytics / Lenders / Iowa / Lincoln Savings Bank
Reinbeck, IA · State non-member bank · FDIC · $1.8 billion assets · 58 loans in 2025
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58
loans originated, 2025
70
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lincoln Savings Bank, an Iowa bank that made 2,322 home loans in 2020, made just 58 in 2025.
Its loans fell 84% in 2025, from 352, while similar lenders (state non-member banks making between half and twice as many loans) grew 8%. No peer shrank more. The decline has run every year since the 2020 peak, through 1,162 in 2022 and 755 in 2023. Whether it has stepped back from home lending by choice, the filings do not say.
Its share of lending in Waterloo-Cedar Falls fell from 2.7% to 0.3%, and in Des Moines-West Des Moines from 1.4% to 0.5%. In Des Moines it now ranks 42 of 396, behind GreenState Credit Union and Veridian Credit Union. These falls may follow from its much smaller volume rather than from any one rival's gain.
Borrowers with low or moderate incomes took 59.5% of its 2025 loans, against 26.9% at similar lenders, higher than nearly all of them. Five years before the share was 34.9%. Purchases made up 69.0% of what is left of its lending. With so few loans, the shift may reflect which business it kept rather than a new aim.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lincoln Savings Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.0% · Refinance 22.4% · Home improvement 6.9% · Other 1.7%
Conventional 94.8% · FHA 3.4% · USDA (RHS or FSA) 1.7% · of 58 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 | 57 | 98.3% |
| Missouri | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 19 |
| Waterloo-Cedar Falls | 19 |
| Cedar Rapids | 4 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XY02VS45I5ZZ90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 589943 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314207 | 2002–2017 |
Established 1 January 1902. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Lincoln Savings Bank's data.
Lincoln Savings Bank's data
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