Applications / Mortgage Analytics / Lenders / Nebraska / Pinnacle Bank
Lincoln, NE · State non-member bank · FDIC · $8.9 billion assets · 3,183 loans in 2025
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3,183
loans originated, 2025
3,739
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinnacle Bank, a Nebraska bank, grew 24% in 2025, about twice as fast as similar banks, and gained share in Lincoln and Grand Island, where it ranks second and first.
Originations rose 24% to 3,183, higher than about seven in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 11%; the whole market grew 10%. The bank is still below the 4,370 loans it made in 2020.
Its share of Lincoln lending rose from 7.9% to 9.5%, second of 249 lenders, and in Grand Island from 10.2% to 12.8%, first of 112. In Omaha, its largest market, it ranks 3 of 417, but its share fell from 4.9% to 3.8%. The Omaha fall could reflect a crowded market led by national lenders, or growth put into Lincoln and Grand Island.
Low- and moderate-income (LMI) tracts took 9.8% of its loans against a typical 16.8%, among the lowest few of similar lenders, and majority-minority tracts 3.8% against 10.2%. Its share of LMI borrowers, 28.3%, is near the middle. These patterns could reflect a footprint centred on Nebraska, with non-metro Nebraska among its largest markets.
Its typical loan was $165,000 against $215,000 at similar lenders. It turned down 2.8% of first-lien home-purchase applications on owner-occupied homes, lower than more than four in five similar lenders (typical 6.8%), and 10.0% of refinance applications, against 18.4%.
Questions the data can answer next
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pinnacle Bank took 3,739 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Refinance 24.4% · Home improvement 10.0% · Other 7.3%
Conventional 92.0% · FHA 4.9% · VA 2.2% · USDA (RHS or FSA) 0.9% · of 3,183 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 |
|---|---|---|
| Nebraska | 2,875 | 90.3% |
| Missouri | 175 | 5.5% |
| Kansas | 68 | 2.1% |
| Iowa | 31 | 1.0% |
| Arizona | 11 | 0.3% |
| South Dakota | 5 | 0.2% |
| Florida | 4 | 0.1% |
| Minnesota | 3 | 0.1% |
| Arkansas | 2 | 0.1% |
| Colorado | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 649 |
| Lincoln | 634 |
| Grand Island | 160 |
| Joplin | 137 |
| Kansas City | 23 |
| Phoenix-Mesa-Chandler | 11 |
| Springfield | 7 |
| Des Moines-West Des Moines | 3 |
| Manhattan | 3 |
| Wichita | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PZ44DNQDPOV865 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 913856 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310634 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 2913856 | 1993–2003 |
Established 1 January 1880. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pinnacle Bank's data.
Pinnacle Bank's data
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Pinnacle 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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