Applications / Mortgage Analytics / Lenders / Iowa / Midstates Bank
Council Bluffs, IA · National bank · OCC · $631 million assets · 94 loans in 2025
Midstates Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
94
loans originated, 2025
101
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Midstates Bank makes smaller loans than most banks its size and lends far more often in poorer neighborhoods.
It made 36.2% of its loans in low- and moderate-income (LMI) neighborhoods, against 16.1% at similar lenders, meaning national banks making between half and twice as many loans. That is higher than more than nine in ten of them, though down from 55.7% a year earlier.
Its typical loan was $140,000, against $180,000 at its peers. With 94 loans, a few more than the peers' 85, it lent $18.0 million, less than their $27.2 million. Home purchases made up 66.0% of its loans.
Its loans rose from 111 in 2019 to 163 in 2022. It merged with Kingsley State Bank and Farmers & Merchants State Bank in 2019, which may account for part of that rise. In 2025 it grew 7%, close to its peers' 6%.
Omaha, IA-NE is its largest market, where it ranked 107 of 417 lenders with 0.1% of the market, unchanged. JPMorgan Chase Bank leads there, with $709.3M.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Midstates Bank took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.0% · Refinance 26.6% · Home improvement 7.4%
Conventional 100.0% · of 94 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 | 80 | 85.1% |
| Nebraska | 13 | 13.8% |
| Missouri | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 54 |
| Sioux City | 19 |
| Des Moines-West Des Moines | 2 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002IXACRD1HE6A92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 728948 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110354 | 1997–2017 |
Established 1 January 1913. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Midstates Bank's data.
Midstates Bank's data
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Midstates 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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