First National Bank, Ames, Iowa in Iowa vs the state
8.8%Denial rate-4.10 pts vs state
10.6%Decision denial rate-4.75 pts vs state
72.7%Origination rate+4.22 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
141Loans originated
17Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 139 | 5.8% | — | #95 |
| 2024 | 172 | 136 | 7.0% | — | #111 |
| 2025 | 194 | 141 | 8.8% | — | #103 |
What First National Bank, Ames, Iowa lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most First National Bank, Ames, Iowa applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Story County | 89 | 58 | 8 | 9.0% |
| Polk County | 46 | 33 | 3 | 6.5% |
| Clarke County | 28 | 26 | 2 | 7.1% |
| Boone County | 8 | 7 | 0 | 0.0% |
| Decatur County | 5 | 5 | 0 | 0.0% |
| Dallas County | 4 | 3 | 0 | 0.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Hamilton County | 2 | 1 | 1 | 50.0% |
| Union County | 2 | 2 | 0 | 0.0% |
| Poweshiek County | 1 | 0 | 1 | 100.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 194 applications in 2025, of which 141 were originated and 17 denied.
8.8% of all applications, or 10.6% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First National Bank, Ames, Iowa's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology