Applications / Mortgage Analytics / Lenders / Nebraska / American National Bank
Omaha, NE · National bank · OCC · $5.2 billion assets · 542 loans in 2025
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542
loans originated, 2025
688
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American National Bank is an Omaha purchase lender whose 542 loans in 2025 were 20% more than in 2024, faster than most similar banks, with more lending to LMI (low- and moderate-income) borrowers than nine in ten of them.
LMI borrowers took 40.6% of its loans, against 26.0% at similar lenders (national banks making between half and twice as many loans), and LMI areas 24.9%, against 15.4%. Both shares rose from 2024. FHA loans (insured by the Federal Housing Administration) were 6.6% and VA loans (guaranteed by the Department of Veterans Affairs) 2.2%, where peers' typical share was 0.0%.
Originations rose 20%, from 451 to 542, against 5% at similar lenders and 10% for the whole market. Purchases made up 56.8% of its loans, refinances 19.6% and home improvement 14.8%. Its typical loan, $175,000, was lower than peers' $205,000.
It first lent in Auburn-Opelika, AL in 2025 and ranked 22 of 305 lenders there with 1.3% of the market. It lent in 12 states, with smaller shares in Minneapolis-St. Paul-Bloomington and Santa Fe.
In Omaha, IA-NE, where it has lent since before 1990, it ranked 28 of 417 lenders with 1.0% of the market, down 0.4 points from 1.4%. Possible reasons are more of its lending going to new markets, or faster growth by other lenders there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American National Bank took 688 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.8% · Refinance 19.6% · Home improvement 14.8% · Other 8.9%
Conventional 91.0% · FHA 6.6% · VA 2.2% · USDA (RHS or FSA) 0.2% · of 542 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 | 327 | 60.3% |
| Iowa | 132 | 24.4% |
| Minnesota | 71 | 13.1% |
| Arizona | 2 | 0.4% |
| Florida | 2 | 0.4% |
| Wisconsin | 2 | 0.4% |
| Alabama | 1 | 0.2% |
| Georgia | 1 | 0.2% |
| Missouri | 1 | 0.2% |
| New Mexico | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 389 |
| Minneapolis-St. Paul-Bloomington | 67 |
| Lincoln | 19 |
| Des Moines-West Des Moines | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Auburn-Opelika | 1 |
| Cape Coral-Fort Myers | 1 |
| Fargo | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | VEQ70DCTAI4TBBHPYI39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 660655 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115435 | 1990–2017 |
Established 2 December 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American National Bank's data.
American National Bank's data
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