Applications / Mortgage Analytics / Lenders / Iowa / Iowa Trust & Savings Bank
Emmetsburg, IA · State non-member bank · FDIC · $523 million assets · 13 loans in 2025
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13
loans originated, 2025
15
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Iowa Trust & Savings Bank, a state-chartered bank in Emmetsburg, Iowa, makes so few mortgages that its figures say little: it reported 13 loans in 2025.
Its 13 loans were down from 27 in 2024 and 26 in 2023. Similar lenders, state non-member banks making between half and twice as many loans, made 21. It first reported in 2023. The years before are gaps in the record, not years without lending: since 2020 a bank making fewer than 100 loans a year need not report.
Purchases made up 61.5% of its loans and refinances 23.1%; the rest were for home improvement and other purposes. Every loan was conventional. With so few loans, the shares going to poorer borrowers or neighborhoods are too small to read much into.
It has lent around Des Moines since 2004 and in rural Iowa since 2005. Its market figures include the filings of Panora State Bank, with which it merged in 2019, so they are not its own loans alone. With 13 loans, one or two large loans can move its share and rank, so they say little about its standing.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Iowa Trust & Savings Bank took 15 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.5% · Refinance 23.1% · Home improvement 7.7% · Other 7.7%
Conventional 100.0% · of 13 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 | 13 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MRLM780BDGSW97 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 649342 | 2023–2023 |
Established 1 July 1929. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Iowa Trust & Savings Bank's data.
Iowa Trust & Savings Bank's data
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Iowa Trust & Savings 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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