Applications / Mortgage Analytics / Lenders / Iowa / Twin Cedars Bank
Bussey, IA · State non-member bank · FDIC · 27 loans in 2025
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27
loans originated, 2025
30
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Twin Cedars Bank, of Bussey, Iowa, filed its first public mortgage report in 2025, with 27 loans spread from Des Moines to Naples, Florida.
The bank appears in the public mortgage data for the first time in 2025, so it has no earlier year to measure against. Its 27 loans were fewer than at most similar lenders, state non-member banks making between half and twice as many loans, whose middle figure was 38. Its $9.2 million in lending was close to theirs.
Its typical loan was $255,000, against $167,500 at similar lenders, larger than at about seven in ten of them. That is why fewer loans added up to roughly the same dollar total. Every loan was conventional, with no government-insured lending.
Home purchases were the largest single purpose, at 37.0% of loans, followed by refinancings, home improvement and other purposes. With 27 loans, a handful of borrowers moves each of these shares, so they say little yet about a lasting pattern.
Its largest market was Des Moines-West Des Moines, where it ranked 108 of 396 lenders with 0.1% of lending; GreenState Credit Union led. It also lent in rural Iowa, Ames and Sioux City, and in Naples-Marco Island, Florida, nine counties in two states in all.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Twin Cedars Bank took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.0% · Refinance 25.9% · Home improvement 18.5% · Other 18.5%
Conventional 100.0% · of 27 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 | 26 | 96.3% |
| Florida | 1 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 14 |
| Ames | 1 |
| Naples-Marco Island | 1 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008VBYJ5IEXJDR42 | 2025–2025 |
Established 27 March 1931. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Twin Cedars Bank's data.
Twin Cedars Bank's data
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