Applications / Mortgage Analytics / Lenders / Nebraska / Arbor Bank
Nebraska City, NE · State non-member bank · FDIC · $659 million assets · 457 loans in 2025
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457
loans originated, 2025
537
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arbor Bank, a Nebraska bank, makes bigger loans than most similar banks, and far more of them carry a government guarantee.
Purchases made up 74.6% of its 457 loans. Its typical loan was $255,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at about three in four of them. A year earlier its typical loan was $195,000.
VA loans (guaranteed by the Department of Veterans Affairs) made up 6.8% of its lending and FHA loans (insured by the Federal Housing Administration) 6.1%; the typical peer made neither. Its VA share was higher than at more than nine in ten peers. Low- and moderate-income (LMI) borrowers took 33.9% of its loans, against 27.8% at similar lenders, up from 21.2% five years earlier.
Its loan count barely moved, from 455 to 457, while similar lenders grew 9%. Larger loans lifted the dollars it lent from $106.8 million to $137.6 million. In 2020 it made 1,136 loans, more than twice as many as now.
In Omaha, IA-NE, its largest market and one it has served since at least 1990, it ranks 25 of 417 lenders. Its share fell from 1.4% to 1.2%. Flat volume while the whole market grew 10% is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arbor Bank took 537 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.6% · Refinance 21.9% · Other 2.2% · Home improvement 1.3%
Conventional 87.1% · VA 6.8% · FHA 6.1% · of 457 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 | 353 | 77.2% |
| Iowa | 60 | 13.1% |
| Minnesota | 15 | 3.3% |
| Missouri | 7 | 1.5% |
| Colorado | 6 | 1.3% |
| Florida | 3 | 0.7% |
| Kansas | 2 | 0.4% |
| South Dakota | 2 | 0.4% |
| Texas | 2 | 0.4% |
| Georgia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 327 |
| Lincoln | 14 |
| Minneapolis-St. Paul-Bloomington | 14 |
| Denver-Aurora-Centennial | 4 |
| Kansas City | 3 |
| Austin-Round Rock-San Marcos | 2 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
| Des Moines-West Des Moines | 2 |
| Rapid City | 2 |
| Baltimore-Columbia-Towson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930099BVD0E448JX38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1872941 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333450 | 2008–2017 |
Established 1 July 1991. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Arbor Bank's data.
Arbor Bank's data
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Arbor 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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