Applications / Mortgage Analytics / Lenders / Iowa / Premier Bank
Rock Valley, IA · State non-member bank · FDIC · $764 million assets · 90 loans in 2025
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90
loans originated, 2025
117
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premier Bank is a rural Iowa bank whose loans go unusually often to low- and moderate-income borrowers, though it makes about half as many loans as it did in 2020.
Low- and moderate-income (LMI) borrowers took 38.5% of its loans in 2025, against 27.4% at similar lenders (state non-member banks making between half and twice as many loans). That is more than at about four in five of them, and up from 27.9% in 2020. Every loan was conventional, and its typical loan of $155,000 was a little below the peers' $175,000.
Only 3.3% of its loans were in LMI neighborhoods, against 18.3% at peers, among the lowest twentieth. None went to majority-minority neighborhoods. Its lending is spread over 9 counties, mostly in rural Iowa, where such neighborhoods may be scarce.
The bank made 90 loans, down from 175 in 2020 and 94 in 2024. Its 4% fall last year came while similar lenders grew 9% and the whole market 10%. In Sioux City its share slipped from 0.3% to 0.2%. At 90 loans a year, a few loans either way are enough to move its market shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premier Bank took 117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.9% · Refinance 25.6% · Other 8.9% · Home improvement 6.7%
Conventional 100.0% · of 90 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 | 65 | 72.2% |
| South Dakota | 23 | 25.6% |
| Colorado | 1 | 1.1% |
| Minnesota | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux Falls | 13 |
| Sioux City | 9 |
| Colorado Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490031SXYH24299E86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2539960 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334384 | 2005–2017 |
Established 25 February 1997. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Premier Bank's data.
Premier Bank's data
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Premier 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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