Applications / Mortgage Analytics / Lenders / Nebraska / Access Bank
Omaha, NE · State non-member bank · FDIC · $954 million assets · 566 loans in 2025
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566
loans originated, 2025
651
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Access Bank is an Omaha home-purchase lender whose loans rose 19% in 2025, about twice as fast as similar banks, with far more government-backed lending than its peers.
Purchases made up 87.3% of its loans. FHA loans (insured by the Federal Housing Administration) were 16.4% and VA loans (guaranteed by the Department of Veterans Affairs) 8.1%; at similar lenders (state non-member banks making between half and twice as many loans) the typical share of each was 0.0%. Its typical loan, $255,000, was larger than peers' $185,000.
LMI (low- and moderate-income) borrowers took 41.5% of its loans, against 27.2% at peers, and LMI areas 23.3%, against 15.7%. Both shares are higher than five years before, when they were 25.8% and 14.2%.
Originations rose 19%, from 477 to 566, against 9% at similar lenders and 10% for the whole market. Its purchase denial rate, 1.0%, was among the lowest of its peers, against 5.2%. It lent in 18 states and in 2025 first lent in Santa Fe, Pittsburgh and Hagerstown-Martinsburg.
In Omaha, IA-NE, where its lending, counting the merged Bank of Nebraska, goes back to before 1990, it ranked 13 of 417 lenders with 1.8% of the market, down 0.3 points from 2.1%. Possible reasons are more of its lending going to other states, or faster growth by other lenders in Omaha.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Access Bank took 651 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.3% · Refinance 11.0% · Other 1.2% · Home improvement 0.5%
Conventional 75.4% · FHA 16.4% · VA 8.1% · of 566 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 | 492 | 86.9% |
| Iowa | 45 | 8.0% |
| Arizona | 4 | 0.7% |
| Colorado | 3 | 0.5% |
| Florida | 3 | 0.5% |
| Missouri | 3 | 0.5% |
| Texas | 3 | 0.5% |
| Minnesota | 2 | 0.4% |
| Virginia | 2 | 0.4% |
| California | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 506 |
| Lincoln | 11 |
| Phoenix-Mesa-Chandler | 4 |
| Des Moines-West Des Moines | 3 |
| Denver-Aurora-Centennial | 2 |
| St. Joseph | 2 |
| San Antonio-New Braunfels | 2 |
| Baton Rouge | 1 |
| Charleston-North Charleston | 1 |
| Chicago-Naperville-Schaumburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009PLGT79KQ6HO15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3614837 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358727 | 2009–2017 |
Established 10 December 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Access Bank's data.
Access Bank's data
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