Applications / Mortgage Analytics / Lenders / Iowa / VisionBank of Iowa
Ames, IA · State member bank · FRS · $899 million assets · 63 loans in 2025
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63
loans originated, 2025
122
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
VisionBank of Iowa, a small Ames bank, made 63 home loans in 2025, 37% fewer than a year before, while similar banks grew.
Similar lenders, state member banks making between half and twice as many loans, grew 8% and the whole market 10%. VisionBank's fall was steeper than at almost all of its 157 peers. It made 551 in 2020. Nearly three in five of its 2025 loans were refinances, so its volume may depend more on whether borrowers choose to refinance than on home sales.
Its share of lending in Ames fell from 3.0% to 0.7%, leaving it 36th of 189 lenders. It made fewer loans, and smaller ones: its typical loan fell from $250,000 to $135,000. Shares are measured in dollars, so both count against it. In Minot, North Dakota, a market it entered in 2014, it went from almost nothing to 1.5% and ranked 15th of 95.
Borrowers with low or moderate incomes (LMI) took 41.2% of its loans, against 25.0% at the typical peer, a share higher than at about nine in ten similar lenders. A year earlier the figure was 20.0%. Its typical loan, $135,000, was also smaller than peers' $175,000, which fits lending to more modest households. On so few loans, the share can swing from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. VisionBank of Iowa took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.7% · Purchase 30.2% · Other 6.3% · Home improvement 4.8%
Conventional 100.0% · of 63 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 | 61 | 96.8% |
| North Dakota | 2 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 34 |
| Ames | 22 |
| Minot | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900040LMONERSH242 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 269049 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2269049 | 2010–2017 |
Established 1 June 1884. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: VisionBank of Iowa's data.
VisionBank of Iowa's data
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VisionBank of Iowa 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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