First National Bank, Ames, Iowa
First National Bank, Ames, Iowa received 201 applications in 2025 and made 141 mortgages, in 23 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 168 decisions, 24 were denials — 14.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300OIJZOV6CPR1Y57 |
|---|---|
| Applications received | 201 |
| Mortgages made | 141 |
| Denied | 24 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank, Ames, Iowa, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 75 | Not published | $305,000 | 12.5% |
| Refinancing | 40 | Not published | $140,000 | 18.4% |
| Other purposes | 26 | Not published | $40,000 | 12.9% |
Where First National Bank, Ames, Iowa 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 |
|---|---|---|---|
| Story County, IA | 58 | Not published | 11.6% |
| Polk County, IA | 33 | Not published | 8.3% |
| Clarke County, IA | 26 | Not published | 7.1% |
| Boone County, IA | 7 | Under 10 loans | 0.0% |
| Decatur County, IA | 5 | Under 10 loans | 0.0% |
| Dallas County, IA | 3 | Under 10 loans | 0.0% |
| Warren County, IA | 3 | Under 10 loans | 0.0% |
| Union County, IA | 2 | Under 10 loans | 0.0% |
| Cerro Gordo County, IA | 1 | Under 10 loans | 0.0% |
| Hamilton County, IA | 1 | Under 10 loans | 50.0% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Taylor County, IA | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Adams County, IA | 0 | Under 10 loans | 100.0% |
| Hardin County, IA | 0 | Under 10 loans | 100.0% |
| Linn County, IA | 0 | Under 10 loans | Not published |
| Poweshiek County, IA | 0 | Under 10 loans | 100.0% |
| Oxford County, ME | 0 | Under 10 loans | 100.0% |
| Plymouth County, MA | 0 | Under 10 loans | 100.0% |
| St. Louis County, MN | 0 | Under 10 loans | 100.0% |
| Lincoln County, MO | 0 | Under 10 loans | 100.0% |
| Jasper County, SC | 0 | Under 10 loans | 100.0% |
| Galveston County, TX | 0 | Under 10 loans | 100.0% |
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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.