Applications / Mortgage Analytics / Lenders / Iowa / FNB Bank
Fontanelle, IA · State member bank · FRS · $274 million assets · 33 loans in 2025
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33
loans originated, 2025
49
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNB Bank is a small rural Iowa lender whose 33 loans in 2025 were small ones, and more than half went to borrowers with low or moderate incomes.
Its typical loan was $85,000, against $195,000 at similar lenders, which are state member banks making between half and twice as many loans. That puts it among the lowest tenth. Its mix may be part of the reason: home-improvement loans were 15.2% of the total, beside 51.5% purchases and 30.3% refinances. All its loans were conventional and none was jumbo, larger than the conforming limit.
56.2% of its loans went to low- and moderate-income (LMI) borrowers, against 23.3% at similar lenders, higher than almost all of them. Only 3.0% were in LMI neighborhoods and none in majority-minority areas. It lends in 11 counties, mostly outside metro areas in Iowa; if few neighborhoods there carry those labels, its share will be low whatever it does. With 33 loans, a handful either way moves these figures.
It filed no report for 2020, 2021 or 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so these are gaps, not years without lending. It made 53 loans in 2018 and 37 in 2024. Its loans fell 11% in 2025, against a 2% fall at similar lenders and 10% growth in the market. It ranks 172 of 465 lenders in non-metro Iowa and entered non-metro Nebraska in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. FNB Bank took 49 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.5% · Refinance 30.3% · Home improvement 15.2% · Other 3.0%
Conventional 100.0% · of 33 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 | 32 | 97.0% |
| Nebraska | 1 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 3 |
| Sioux City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XW0LQQA1I2P960 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 617743 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115799 | 2005–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2617743 | 2016–2017 |
Established 23 August 1905. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: FNB Bank's data.
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