Applications / Mortgage Analytics / Lenders / Nebraska / Metro Credit Union
Omaha, NE · Credit union · NCUA · $617 million assets · 677 loans in 2025
Metro Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
677
loans originated, 2025
1,164
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Metro Credit Union is an Omaha home-improvement lender: about four in five of its 677 loans in 2025 were for home improvement or other purposes, and its lending grew 15%, faster than most similar lenders.
Home improvement made up 50.8% of its loans and other purposes 28.5%; refinances were 12.7% and home purchases 8.0%. Its typical loan of $75,000 is lower than nearly all credit unions making between half and twice as many loans, whose typical loan is $105,000. Almost all its loans are conventional, and it made no jumbo loans (larger than the conforming limit).
It made 677 loans in 2025, up 15% from 589, against 7% for similar lenders and 10% for the whole market. Its yearly count has risen from 218 in 2018, with a single high year in 2020 at 430 before a drop to 270 in 2021.
In Omaha, its largest market, it ranks 30 of 417 lenders with 0.9%, unchanged from 2024. JPMorgan Chase Bank, Berkeley Point Capital and Pinnacle Bank lead there. Its shares elsewhere, in Lincoln and in Minneapolis-St. Paul, are small.
Its typical rate of 5.75% is lower than about nine in ten similar lenders, whose typical rate is 7.00%. Its mix differs from theirs, so this is not a like-for-like price comparison.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Metro Credit Union took 1,164 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.8% · Other 28.5% · Refinance 12.7% · Purchase 8.0%
Conventional 99.9% · FHA 0.1% · of 677 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 | 633 | 93.5% |
| Iowa | 42 | 6.2% |
| Minnesota | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 657 |
| Lincoln | 7 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930015EUQKUCIRBQ14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 461580 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57091 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Metro Credit Union's data.
Metro Credit Union's data
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Metro Credit Union 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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