City State Bank
City State Bank received 127 applications in 2025 and made 103 mortgages, in 23 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 122 decisions, 11 were denials — 9.0%.
| Legal Entity Identifier | 5493003Y4D5054GY3J13 |
|---|---|
| Applications received | 127 |
| Mortgages made | 103 |
| Denied | 11 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: City State Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | Not published | $260,000 | 11.8% |
| Refinancing | 34 | Not published | $125,000 | 5.4% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 15 | Not published | $45,000 | 0.0% |
Where City State Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Polk County, IA | 29 | Not published | 5.6% |
| Warren County, IA | 22 | Not published | 14.8% |
| Ringgold County, IA | 12 | Not published | 0.0% |
| Boone County, IA | 9 | Under 10 loans | 0.0% |
| Dallas County, IA | 7 | Under 10 loans | 11.1% |
| Madison County, IA | 4 | Under 10 loans | 0.0% |
| Story County, IA | 4 | Under 10 loans | 20.0% |
| Guthrie County, IA | 2 | Under 10 loans | 33.3% |
| Union County, IA | 2 | Under 10 loans | 33.3% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Clarke County, IA | 1 | Under 10 loans | 0.0% |
| Decatur County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Humboldt County, IA | 1 | Under 10 loans | 0.0% |
| Linn County, IA | 1 | Under 10 loans | 0.0% |
| Taylor County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Jasper County, IA | 0 | Under 10 loans | 100.0% |
| Collin County, TX | 0 | Under 10 loans | Not published |
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When City State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.