Applications / Mortgage Analytics / Lenders / Iowa / Central State Bank
Coralville, IA · State member bank · FRS · $441 million assets · 32 loans in 2025
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32
loans originated, 2025
39
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central State Bank, an Iowa bank, made 32 home loans in 2025, a rise of 39%, though far fewer than the 179 it made in 2020.
Its loans rose from 23 to 32, while similar banks, state member banks making between half and twice as many loans, fell 4%. The count had fallen every year from 179 in 2020 to 23 in 2024. A small bank's count can move with a single lending officer or a change in which loans it chooses to make.
Purchases were under half its loans, at 46.9%, and refinancing 28.1%. Home improvement and other purposes made up 12.5% each, so a quarter of its lending went to purposes other than buying or refinancing a home. All its loans were conventional.
Its lending centers on Iowa City, Cedar Rapids and Dubuque. In Iowa City and Cedar Rapids its filings, counting those of banks it merged with, go back to 1990. It now lends in five states, as far off as Orlando-Kissimmee-Sanford, entered in 2025, and Miami-Fort Lauderdale-West Palm Beach, though its share in each is close to nothing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central State Bank took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.9% · Refinance 28.1% · Home improvement 12.5% · Other 12.5%
Conventional 100.0% · of 32 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 | 27 | 84.4% |
| Florida | 2 | 6.2% |
| California | 1 | 3.1% |
| Missouri | 1 | 3.1% |
| Wisconsin | 1 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Iowa City | 10 |
| Cedar Rapids | 2 |
| Dubuque | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QJ1W5RNY1X4D75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 678744 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2678744 | 2011–2017 |
Established 12 November 1931. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Central State Bank's data.
Central State Bank's data
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