Applications / Mortgage Analytics / Lenders / Iowa / Pioneer Bank
Sergeant Bluff, IA · State non-member bank · FDIC · $286 million assets · 48 loans in 2025
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48
loans originated, 2025
55
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pioneer Bank, of Sergeant Bluff, Iowa, is a two-county Sioux City lender, there since at least 1990, whose lending fell back in 2025 after a busier 2024.
It ranked 15 of 167 lenders in Sioux City, with 1.9% of the market, down from 2.9%. Central Bank and Primebank led there. Its own loans fell 19%, from 59 to 48, while those of similar lenders (state non-member banks making between half and twice as many loans) rose 4% and the whole market rose 10%. Its count swings: it made 37 loans in 2023. At this size a few borrowers can move the share a full point.
Its typical loan was $235,000, up from $165,000 a year earlier and larger than at about three in four of its peers. Every loan was conventional. Purchases were 52.1% of its lending and refinances 41.7%.
Majority-minority areas took 11.1% of its loans, about double the 5.7% at the middle of its peers. Low- and moderate-income (LMI) borrowers took 13.3%, lower than at about four in five peers, whose middle was 27.7%. Its larger loans may mean buyers of costlier homes, and its lending is confined to two counties; either could be a reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Pioneer Bank took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.1% · Refinance 41.7% · Other 4.2% · Home improvement 2.1%
Conventional 100.0% · of 48 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 | 34 | 70.8% |
| South Dakota | 2 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux City | 36 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900A0ZXGBI45YZX94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 300942 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319540 | 1990–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pioneer Bank's data.
Pioneer Bank's data
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